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Our Mortgage Broker Guide to getting a mortgage in Brent

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 Brent Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't make multiple applications for credit

If you apply for lots of credit then every company you apply to will check your credit file. This could indicate that you are desperate for money and will have an impact on your credit score. Banks and building societies even check your credit score when you open a bank account.

Don’t worry, checking your credit score through Experian, Equifax or CallCredit will not affect your credit score.

95% mortgages

As a rule, 95% mortgages are those which offer a 95% loan to value ratio (LVR) i.e. a lender grants you a loan of 95% of the purchase price of the house you're looking to buy.

Because the standard deposit is 10%, 95% is clearly a larger LTV than normal and you can expect to pay higher interest rates than normal on your mortgage.

You should bear in mind also that if house prices decline just 6%, you will technically be in negative equity; this is more acceptable if you're intending to stay put for a number of years (you might 'ride out' the price fall until prices rise again) but if you're intending to move again in the shorter term, you face selling your house for a lower price than you bought it for.


>Brent is a London Borough and is 8 miles from the capital's centre. Major areas within it are Kilburn, Wembley and Harlesden. The most known landmark in Brent is Wembley Stadium, with its majestic arch. There is also the beautiful Hindu Temple in Neasden - (Shri Swaminarayan Mandir). There are many shopping areas, such as in Harlesden and many open spaces such as Roe Green Park.

NW10 8QD

Property Price Stats for Brent


Average property price in Brent £434,383
% Change compared to last year 15%
Population of Brent 255,500 (2001)


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 Brent - Recently Completed

  • Greyhound Road, Kensal Green, London, NW10 5QG
  • 75b Bathurst Gardens, Kensal Rise, London NW10 5JH
  • 32 Burrows Road, Kensal Green, London NW10 5SG
  • Greenfield Court, 63 Pound Ln, Willesden, London NW10 2HH
  • 14 Lancaster Road, Dollis Hill, London, NW10 1HA

Local High Street Banks in Brent

Mortgage Broker in and around Brent

Our Brent mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Stonebridge, Willesden, Harrow, Barnet, Ealing, Sherborne St John and Hammersmith.

Which banks are local to you?


  • Santander Bank Plc - 93 High St, London NW10 4NX
  • Barclays Bank Plc - 55 Bridge Rd, Wembley HA9 9AH
  • Natwest Bank Plc - 5 Central Circus, Hendon, London NW4 3LA

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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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Whole Market Access

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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FREE mortgage consultations for Brent

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

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Fast mortgage appointments

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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Impartial Mortgage Advice

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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Brent Mortgage Broker Insider Tips

Book your home buyers survey as soon as you have your offer accepted.

Getting a RICS home buyers survey is always recommended because you get an expert opinion on whether a property you want to buy has any defects which may give you grounds to bargain for a lower price with a vendor or even pull out.

Once you have instructed a RICS surveyor, it may take perhaps up to 10 days before they can carry out their inspection and then they may take five working days (or more) to get the report back to you. You should therefore keep delays to a minimum by booking your survey as soon as possible.

Click to get your FREE RICS Home Buyers Survey Quote
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Conveyancing Process
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