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Our Mortgage Broker Guide to getting a mortgage in Buckhurst Hill

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 Buckhurst Hill Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Taken out a student loan? Ensure you make timely repayments

Student loans are treated like any other loan by the 3 credit reference agencies: you should therefore ensure that make the correct repayments on time.

Your credit score will be hit, like any other loan, if you default on repayments or are late. If you think you are unlikely to be able to make a payment on time, you should contact the student loan company involved.

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.


Buckhurst Hill is an affluent suburban town in Epping Forest district in Essex, 11 miles north-east of Central London. It is considered part of the Essex 'golden triangle' of wealthy places, alongside Loughton and Chigwell. The Parish Church of St John, built in 1838, is one landmark. The Woollard Centre in Loughton Way is a community centre put to a variety of uses, including as a theatre and cinema venue.

IG9 5AZ

Property Price Stats for Buckhurst Hill


Average property price in Buckhurst Hill £491,841
% Change compared to last year 8%
Population of Buckhurst Hill 10,738


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 Buckhurst Hill - Recently Completed

  • Queens Rd, Buckhurst Hill, Essex, IG9 5BF
  • 46 Gladstone Road, Buckhurst Hill, Essex, IG9 5SW
  • 34c Fairlands Avenue, Buckhurst Hill, Essex, IG9 5TF
  • 81 Monkhams Lane, Woodford Green, IG8 0NN
  • 50 Greenstead Avenue, Woodford Green, London, IG8 7ES

Local High Street Banks in Buckhurst Hill

Mortgage Broker in and around Buckhurst Hill

Our Buckhurst Hill mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Woodford, Chigwell, Roding Valley, Chingford, Loughton, Hazlemere and Walthamstow.

Which banks are local to you?


  • Lloyds Bank Plc - 34 Station Rd, London E4 7BE
  • Barclays Bank Plc - 24 Station Rd, Chingford, London E4 7BQ
  • Nationwide Building Society - 106-108 High Rd, Loughton IG10 4HL

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Buckhurst Hill Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Buckhurst Hill, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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