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Our Mortgage Broker Guide to getting a mortgage in Cambridge

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 Cambridge Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.


Cambridge is a world-famous collegiate university city in Cambridgeshire, 50 miles north of London. The oldest college in Cambridge is Peterhouse. Attractions are many; just a few include the wonderful Cambridge University Botanic Gardens, Anglesey Abbey (Jacobean-style house and working watermill) and of course, the Backs - a strip of reclaimed land along the back of the riverside colleges which provides stunning views year-round. You can of course go punting on the River Cam as well!

CB2 1NW

Property Price Stats for Cambridge


Average property price in Cambridge £481,527
% Change compared to last year 14%
Population of Cambridge 123,900 (2011)


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 Cambridge - Recently Completed

  • Granta Leys, Cambridge, CB21 4YT
  • 29 Wheat Croft, Cambridge, CB21 4YR
  • 3 Cockburn Street, Cambridge, Cambridgeshire, CB1 3NB
  • Hills Rd, Cambridge CB2 1NW
  • 6 Sydenham Terrace, Halifax Road, Cambridge, Cambridgeshire, CB4 3PZ

Local High Street Banks in Cambridge

Mortgage Broker in and around Cambridge

Our Cambridge mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Comberton, Fen Ditton, Milton, Dry Drayton, Great Shelton, Ely and Fulbourn.

Which banks are local to you?


  • Metro Bank Plc - 1 Christ's Ln, Cambridge CB2 3BZ
  • Lloyds Bank Plc - 90A Mill Rd, Cambridge CB1 2BE
  • Barclays Bank Plc - 9-11 St Andrew's St, Cambridge CB2 3AA

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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 Cambridge

Mortgage Brokers Cambridge 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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Cambridge Mortgage Broker Insider Tips

Ensure that you triple check all the information on your mortgage application!

if you make a mistake on a mortgage application form, it can slow down or even stop the process. 

Be careful to provide truthful and accurate information including your exact income and don't make elementary errors such as providing an inaccurate National Insurance Number!

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Conveyancing Process
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