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Our Mortgage Broker Guide to getting a mortgage in Carlton Vale

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 Carlton Vale Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your credit scores annually or before you make a major application

You should know what your credit rating is so you'll have a better idea what the likelihood is that your application will be approved and whether you'll have to pay higher interest rates/APRs.

Remember that errors can happen so it's important to check that your file doesn’t have any as they can prove detrimental to your score. Remember also that failed applications for credit will themselves lower your score.

Flexible Family Mortgage

Flexible family mortgages are mortgages designed for first time buyers where family members or associates can provide security for the loan using a variety of methods.

The first time buyer has to amass a minimum 5% deposit then the associate might put 20% or more of the value of the home into a savings account which pays interest as security for the loan. The first time buyer pays a lower interest rate on their mortgage compared to other mortgages of this type. Or the associate might opt to offer a percentage of their own property as security or they might place savings in an offset account to reduce the amount of the mortgage. The mortgage can be structured to involve either of these methods or a combination of all 3.

The risks facing the associate follow from the methods used – if they opt to use a percentage of their own property for example, they stand to lose this percentage in the event of default.


Carlton Vale is an area of Kilburn in Brent Borough, 4 miles north-west of the middle of London. It is mainly residential with shopping parades.

The area has 3 stations on the Underground network on the Bakerloo Line - Kilburn Park, Maida Vale and Queens Park. The latter station is also on the Overground network and has services going to London Euston and Willesden Junction and Watford Junction in the other direction.

W9 3ND

Property Price Stats for Carlton Vale


Average property price in Carlton Vale £521,070
% Change compared to last year 0%
Population of Carlton Vale No data


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 Carlton Vale - Recently Completed

  • Hereford House, Carlton Vale, London, NW6 5QJ
  • Flat 3, 15 Kingdom Road, West Hampstead, London, NW6 1PJ
  • Flat 31 Nexus Court, Malvern Street, Maida Vale, London, NW6 5AT
  • Flat 67, Marlborough Mansions, Cannon Hill, London NW6 1JT
  • 25b Kylemore Road, London, NW6 2PS

Local High Street Banks in Carlton Vale

Mortgage Broker in and around Carlton Vale

Our Carlton Vale mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including West Kilburn, Ladbroke Grove, Maida Vale, Brondesbury, Queens Park, Mayland and St Johns Wood.

Which banks are local to you?


  • Barclays Bank Plc - 320-322 Elgin Ave, Maida Vale, London W9 1JX
  • Natwest Bank Plc - 298 Elgin Ave, Maida Vale, London W9 1JT
  • HSBC Bank Plc - 50-52 Kilburn High Rd, North Maida Vale, London NW6 4HJ

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Mortgage Brokers Carlton Vale offering free first consultation (terms apply).

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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

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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.

Carlton Vale Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Carlton Vale from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Carlton Vale is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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