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Our Mortgage Broker Guide to getting a mortgage in Billericay

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Billericay Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Only started using credit? Don’t open too many credit sources too quickly

New accounts lower your average account age, which can affect your score negatively, particularly if there isn't a lot of other credit information about you readily available.

Additionally, opening a lot of credit accounts rapidly can make you look like a higher risk if you are a relatively new credit user.

Standard Variable Rate Mortgage

Standard variable rate mortgages are mortgages offered by lenders where repayments are determined according to the normal interest rate that the lenders charge home buyers. This rate can change and particularly if the Bank of England alters its base rate.

What you have to repay therefore can change arbitrarily, although you can leave the mortgage for another without penalty at any time and can make overpayments.


Billericay is a pleasant town in Basildon Borough in Essex, 28 miles from Central London. It has very ancient burial mounds, dating back to the Bronze Age. The Chequers Pub in the town's high street is a great landmark.

Barnleylands Craft Village & Farm Centre in Barleylands Road is a great place for the family to visit with its soft play areas, pedal tractors, farm animals and craft village. Alternatively there is the Skirmish Paintball Essex in Billericay Skirmish Wood - as it sounds, this is an outdoor paintballing experience spread over a large area and an 'airsoft' area as well.

CM12 0LX

Property Price Stats for Billericay


Average property price in Billericay £402,705
% Change compared to last year 11%
Population of Billericay 27,998 (2011)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Billericay - Recently Completed

  • Bellevue Road, Billericay, Essex CM12 9HD
  • 25 Chantry Way, Billericay, Essex CM11 2AT
  • 11 Margeth Road, Billericay, Essex CM12 9UT
  • 84 Lampern Crescent, Billericay, Essex, CM12 0FD
  • 26 Chantry Way, Billericay, Essex, CM11 2AT

Local High Street Banks in Billericay

Mortgage Broker in and around Billericay

Our Billericay mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Basildon, Brentwood, Little Burstead, Herongate, Wickford, Great Warley and Mountnessing.

Which banks are local to you?


  • Barclays Bank Plc - 69 High St, Billericay CM12 9AU
  • Lloyds Bank Plc - 89 High St, Billericay CM12 9AT
  • Natwest Bank Plc - 41 High St, Billericay CM12 9AZ

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Billericay Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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