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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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Information about Mortgages


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

Find a Home Mortgage

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 Bromley

Mortgage Brokers Bromley 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

Independent Mortgage Broker

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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Bromley Mortgage Broker Insider Tips

Get together all the required official paperwork you'll need for your conveyancing..

  • For ID purposes, you'll normally require an up-to-date passport and/or driving licence with a current home address.
  • You'll need to provide proof of funds; as an employee, you'll need at least the last 3 months' payslips and a P60; if you're self-employed, you'll need your SA302 from HMRC (you need to allow for a time lapse if you have to order this) or accounts covering the last 3 years.
  • If you're selling, you need any relevant documents detailing planning consents or building regulation approval and any guarantees for works or fittings and things like boiler safety certificates..

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