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Our Mortgage Broker Guide to getting a mortgage in Buckinghamshire

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 Buckinghamshire Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Time is the greatest healer for bad credit

As long as you develop good habits where credit is concerned, even serious black marks such as bankruptcy recede over time.

You are well advised not to apply for credit until serious issues have left your file but once they have, assuming you are handling your finances correctly, you should be able to develop a good score to enable credit – the main rules are always to make your repayments on time and never to take on credit that you don't need.

Tracker Mortgage

This is another type of variable rate mortgage and with a tracker mortgage, the rate varies along with the interest rate it tracks, most often the Bank of England base rate.

A tracker mortgage is normally for a set time period, most often between 2 and 5 years, and penalties for leaving early are normally quite high.


Buckinghamshire is a county and borders the following counties: Berkshire, Oxfordshire, Northamptonshire, Bedfordshire and Hertfordshire; it also borders Greater London, making it a home county. Its attractions are many and varied; for example, it hosts Bekonscot, the world's first model village (in Beaconsfield), the wonderful Waddesdon Manor house in Waddesdon, the many museums and theatres of Milton Keynes and contains the beautiful Chiltern Hills.

HP20 1SH

Property Price Stats for Buckinghamshire


Average property price in Buckinghamshire £375,173
% Change compared to last year 8%
Population of Buckinghamshire 521,922 (2014)


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 Buckinghamshire - Recently Completed

  • Viridian Square, Aylesbury, Buckinghamshire, HP21 7FX
  • 33 Highbridge Road, Aylesbury Bucks, HP21 7RX
  • 67 Fremantle Road, Aylesbury, Buckinghamshire, HP21 8EH
  • 42 New Meadow Aylesbury, Buckinghamshire, HP21 7AW
  • 40 Albert St, Aylesbury, Buckinghamshire, HP20 1LZ

Local High Street Banks in Buckinghamshire

Mortgage Broker in and around Buckinghamshire

Our Buckinghamshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Aylesbury, Buckingham, High Wycombe, Amersham, Chesham, Barton and Marlow.

Which banks are local to you?


  • HSBC Bank Plc - 9 Penn Rd, Buckinghamshire, Beaconsfield HP9 2PT
  • Lloyds Bank Plc - 3 Burkes Rd, Beaconsfield HP9 1NR
  • Barclays Bank Plc - 7 Station Rd, Beaconsfield HP9 2PH

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

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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.

Buckinghamshire Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in Buckinghamshire, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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