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Our Mortgage Broker Guide to getting a mortgage in Blackheath

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 Blackheath Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a Credit Card

A credit scoring agency needs for you to have a credit in order for them to score you. Get a credit card, use it and pay it off in full. You must pay it off in full, otherwise you will worsen your credit score. Your credit report will start to show a credit where you borrow money and pay it off –this is exactly what mortgage lenders want to see.

Remember, use it and pay it off every month, otherwise this won’t work. If you have struggled getting a credit card before, go to a company that offers credit cards to people with bad credit rating. The interest rate will be through the room, but don’t worry, because you are paying off the balance every month you won’t incur any interest penalties.

Fixed Rate Mortgage

This type of mortgage loan involves repayments being fixed at a certain agreed interest rate for a set term with no adjustments. Their advantage is that a mortgagor knows exactly what has to be repaid each month for a set period and will be unaffected by for example sudden changes in the Bank of England base rate (which may or may not be to the advantage of the mortgagor).

Typically, the fixed period is 2 years, 3 years, 5 years or 10 years. When the fixed term has expired, these mortgages normally change to variable rate mortgages, where the repayments can float (go up or down) because the rate moves when an underlying index – most normally the Bank of England base rate – moves. When the fixed term ends, the mortgagor can opt renew a fixed rate contract.


Blackheath is an affluent area split between two boroughs in London, Lewisham and Greenwich, and is 6 miles from London's centre. By far its most famous landmark is All Saints' Church, which is on the heath itself, and stands out for miles around. It's where the London Marathon starts and has great independent shops and stores. Blackheath open space is a large area of common land with a habitat suited to many varieties of wildlife. Blackheath Conservatoire of Music and the Arts is just south of the railway station and Blackheath Halls is used for concerts.

SE3 0AU

Property Price Stats for Blackheath


Average property price in Blackheath £615,058
% Change compared to last year 17%
Population of Blackheath 14,039 (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 Blackheath - Recently Completed

  • Dursley Road, Blackheath, London, SE3 8PD
  • 1 Ben Pratt, 20 Blackheath Vale, Blackheath, London, SE3 0TX
  • Flat 8 Gregory House, Brook Lane, Blackheath, London, SE3 8AS
  • 134 Humber Road, Blackheath, London SE3 7LY
  • 15 Southvale Road, Blackheath, London, SE3 0TP

Local High Street Banks in Blackheath

Mortgage Broker in and around Blackheath

Our Blackheath mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Lewisham, South London, Hither Green, Greenwich, Deptford, Crofton Park and Kidbrooke.

Which banks are local to you?


  • Lloyds Bank Plc - 15 Blackheath Village, Blackheath, London SE3 9LH
  • Barclays Bank Plc - 16 Tranquil Vale, Blackheath, London SE3 0AX
  • Natwest Bank Plc - 13 Old Dover Rd, London SE3 7SY

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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.

Blackheath Mortgage Broker Insider Tips

The trick is to choose the right solicitor from the outset for your home move in Blackheath.

Yes, this may seem obvious, but it's not only the reviews that make a good solicitor. It is also the volume of work they have. If a solicitor is overworked, they will not be able to prioritise effectively, delays may be increased and your case may be overlooked. 

A good solicitor is someone who keeps your best interest in mind at all times and who values high communication levels.

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