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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

  • 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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Mortgage Brokers Chadwell Heath 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.

Chadwell Heath Mortgage Broker Insider Tips

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

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