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Our Mortgage Broker Guide to getting a mortgage in Chadwell Heath

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 Chadwell Heath Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get your name on a utility bill if it isn't already

Utility bills such as gas and water bills count as credit and if you make the correct payments at the right time for them, this will increase your credit score.

You may already be contributing responsibly to joint household bills, but unless your name is officially on a bill, it won't give you the chance to give a positive uplift to your score.

Interest-only Mortgage

With an interest-only mortgage, your monthly payments are purely directed towards paying off the interest on your loan. You are expected to pay off the capital yourself using another investment vehicle. The interest payment does not decline during the mortgage term, unlike for a repayment mortgage so although payments are initially cheaper than for repayment mortgages, they never reduce.

Interest-only mortgages are now purely the preserve of commercial clients including those looking to buy to let. You cannot take out this kind of mortgage if you a purely residential customer.


Chadwell Heath is a fairly affluent suburb in North East London around 12 miles north-east of the capital's centre. Landmarks include The Eva Hart pub and the Valence House Museum.

RM6 6RP

Property Price Stats for Chadwell Heath


Average property price in Chadwell Heath £285,899
% Change compared to last year 16%
Population of Chadwell Heath 10,021 (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 Chadwell Heath - Recently Completed

  • 30 Millbrook Gardens, Chadwell Heath, Dagenham, Romford, RM6 6RP
  • 11 Featherstone Court, 287 - 295 High Road, Chadwell Heath, Essex, RM6 6DJ
  • Flat 18, Rosewood Court, Chadwell Heath Lane, Chadwell Heath, RM6 4YJ
  • 18 Avenue Road, Chadwell Heath, RM6 4JF
  • 65a Chadwell Heath Lane, Chadwell Heath, RM6 4NP

Local High Street Banks in Chadwell Heath

Mortgage Broker in and around Chadwell Heath

Our Chadwell Heath mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Goodmayes, Little Heath, Becontree, Romford, Aldborough Hatch, Elm Park and Dagenham.

Which banks are local to you?


  • Natwest Bank Plc - 27 High Rd, Dagenham, Romford RM6 6QD
  • Barclays Bank Plc - 1221 High Rd, Romford RM6 4AR
  • Lloyds - 254-256 Oxlow Lane, Dagenham, Essex, RM10 7YX

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Chadwell Heath Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Chadwell Heath until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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