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Our Mortgage Broker Guide to getting a mortgage in Braintree

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 Braintree Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Regularly moving house can affect your credit score

You will often be asked “Have you lived at this address for longer than 3 years?” because if you haven’t been registered at one address for a long period of time this can have a negative effect on your credit rating.

Lenders favour stability and consistency over constant change so if they see evidence of you regularly moving on your credit report they may be less likely to lend to you.

Offset Mortgage

Offset mortgages are those in which you have a savings account linked to your mortgage. The savings account you link it with will no longer receive interest, but the benefit is you don’t pay interest on your mortgage up to the value of your savings account.

You only pay interest on the difference between the value within your savings and the value of your mortgage. It is possible to save thousands of pounds with this type of mortgage as you aren’t paying a lot of the interest you would be paying without this offset, so you may be able to pay off your mortgage quicker.


Braintree is a quaint town in Essex situated 10 miles north of Chelmsford, 15 miles west of Colchester and 54 miles northeast of London. Bocking is an area of Braintree that is growing in size, so the town is sometimes referred to as Braintree and Bocking.

It is thought that the first houses built on the site of Braintree were established 4,000 years ago in the Bronze and Iron Ages. This location was chosen due to the closeness of the River Brain.

In the 14th century the town began processing and manufacturing woollen cloth and continued to do so until the late 19th century. This type of manufacturing was taken over by silk manufacturing which resulted in Braintree becoming a thriving town with a good economy.

Attractions in Braintree include the Braintree Museum, the Braintree Arts Theatre and the Braintree and Bocking Carnival that takes place each summer.


CM7 1ER

Property Price Stats for Braintree


Average property price in Braintree £292,224
% Change compared to last year 5%
Population of Braintree 53,477 (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 Braintree - Recently Completed

  • Jersey Way, Braintree, CM7 2FA
  • Kings Lane, Stisted, Braintree, Essex, CM77 8AG
  • Crown Meadow, Braintree, Essex, CM7 9EX
  • Clockhouse Way, Braintree,Essex CM7 3RD
  • Church Street, Braintree, CM7 5LQ

Local High Street Banks in Braintree

Mortgage Broker in and around Braintree

Our Braintree mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Rayne, Black Notley, Great Notley, Cressing, Stisted, Bradwell and Bartholomew Green.

Which banks are local to you?


  • Lloyds Bank - 2-4 Bank St, Braintree CM7 1UN
  • HSBC - Great Square, Braintree CM7 1TX
  • NatWest - 47 High St, Braintree CM7 1JT

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Braintree offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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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.

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Braintree Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Braintree from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Braintree is to book your Building Survey at the same time as you instruct your conveyancing solicitor. 

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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*RICS Surveyors – Local Knowledge – Same Week Availability
Conveyancing Process
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