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Our Mortgage Broker Guide to getting a mortgage in Bracknell

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 Bracknell 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.


Bracknell is a town in Bracknell Forest Borough, Berkshire, 32 miles west of London; it is roughly equidistant (11 miles) between Reading and Windsor. It has grown to absorb areas such as Binfield, Warfield and Winkfield and is surrounded by woods to the east and south by Swinley Woods and Crowthorne Woods. South Hill Park, a mansion dating from 1760, is a prominent landmark and has an arts centre. A top rated place to go in the area is the Look Out Discovery Centre on Nine Mile RIde which is great for children to play and build dens in the forest, but also for keen cyclists to go for off-road biking. Another is the fantastic water park, Coral Reef on Nine Mile Road.

RG12 9LP

Property Price Stats for Bracknell


Average property price in Bracknell £331,181
% Change compared to last year 8%
Population of Bracknell 77,256


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 Bracknell - Recently Completed

  • Broadlands Court, Wokingham Road, Bracknell, Berkshire, RG42 1PJ
  • Manston Drive, Easthampstead, Bracknell, Berkshire, RG12 7PJ
  • Ollerton, Hanworth, Bracknell, Berkshire RG12 7RA
  • Knightswood, Bracknell, Berkshire, RG12 7ZS
  • Shearwater Drive, Bracknell, Berkshire, RG12 8EN

Local High Street Banks in Bracknell

Mortgage Broker in and around Bracknell

Our Bracknell mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Wokingham, Ascot, Sunningdale, Bagshot, Crowthorne, Sandhurst and Holyport.

Which banks are local to you?


  • Lloyds Bank Plc - 75 Castle St, Farnham GU9 7LT
  • Barclays Bank Plc - 22 The Borough, Farnham GU9 7NH
  • HSBC Bank Plc - 33 The Borough, Farnham GU9 7NJ

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Bracknell Mortgage Broker Insider Tips

Instructing a solicitor even before your offer has been accepted can hugely speed up the conveyancing process.

By instructing a solicitor as early as possible, you have already made a headstart into working towards completion. 

By the time your offer on a Bracknell property has been accepted, your solicitor can have your documents in place, have conducted all financial checks and online ID that must be carried out and the seller will see how intent you are on completing in good time.

The process will be as smooth as possible and your organisation could increase your chance quick completion.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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