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Our Mortgage Broker Guide to getting a mortgage in Bromley

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 Bromley 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.

Discount Mortgage

Lenders have a standard variable rate (SVR) for mortgages which is normally a few percentage points above the Bank of England's (BoE) base rate. This rate will vary with changes in the BoE base rate and the lender can vary it autonomously. When you get a discount mortgage from a lender, the variable interest rate charged on your mortgage will be at a discount from its SVR.

You benefit because the discount rate is cheaper than the SVR and if the SVR itself goes down, your repayments become even less, although the discounted rate can similarly rise.

The discount rate is normally for a fixed time period, typically 2 or 3 years. There may well be expensive early repayment charges if you choose to leave.


Bromley is a town and the administrative centre of Bromley Borough in Greater London and is 9 miles south-east of the capital's centre. It is a large retail area with a shopping mall called Intu Bromley. It has a number of theatres such as the Churchill Theatre. The parish church of St Peter and Paul is a prominent landmark.

Downe House, the home of Charles Darwin, is nearby (Luxted Road, Downe) and is great for a family day out - Darwin lived with his family there for 40 years and crafted his theories of evolution and natural selection which were so scientifically significant.

BR1 1EZ

Property Price Stats for Bromley


Average property price in Bromley £430,869
% Change compared to last year 9%
Population of Bromley 299,100


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 Bromley - Recently Completed

  • Cartmel Court, 30 Shortlands Road, Bromley, BR2 0XJ
  • Flat D, 223–225 High Street, Bromley, BR1 1NZ
  • 27, Wanstead Close, Bromley, Kent, BR1 3BN
  • 126 Durham Road, Bromley, Kent, BR2 0SR
  • 2a Bushey Way, Bromley, BR3 6TB

Local High Street Banks in Bromley

Mortgage Broker in and around Bromley

Our Bromley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Beckenham, Orpington, Shortlands, Hayes, Downham, Brixton and Bickley.

Which banks are local to you?


  • Metro Bank Plc - 72-76 High St, Bromley BR1 1EG
  • Barclays Bank Plc - 167 High St, Bromley BR1 1NL
  • Natwest Bank Plc - 183b King's Rd, Chelsea, London SW3 5EB

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Bromley 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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