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Our Mortgage Broker Guide to getting a mortgage in Cheam

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 Cheam Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Work to keep your credit score as high as possible to make borrowing cheaper

Keeping aware of your credit score and taking action to keep it as high as possible essentially makes any credit you are granted likely to be cheaper.

If your credit score drops, you'll most likely have to pay higher APRs on future credit or you may be rejected after applying, which has a further negative impact on your credit score.

Variable Rate Mortgage

This is one of the two broad categories all mortgages fall into, the other being fixed rate.

You can never guarantee when and if the interest rate charged on a variable rate mortgage will change nor by how much making this type of mortgage more risky in terms of suddenly rising repayments. You may, however, benefit similarly from a fall in rates and the initial rate you pay is likely to be cheaper than it would be for a fixed rate mortgage.
It might therefore be argued that you should only opt for a variable rate mortgage by choice if you don't mind the risks involved and, in an emergency, can accommodate an upswing in interest rates.


Cheam is a large suburban village in Sutton Borough in London, around 11 miles south south-west of the capital's centre on Surrey's borders, divided into North Cheam and Cheam Village. These two parts are centred on shopping areas. Attractions include Lumley Chapel, Whitehall Gallery and Nonsuch Mansion. Parts of Cheam are in a conservation area.

SM2 7LW

Property Price Stats for Cheam


Average property price in Cheam £460,364
% Change compared to last year 12%
Population of Cheam 10,285 (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 Cheam - Recently Completed

  • Abinger Avenue, Cheam, Sutton, Surrey, SM2 7LW
  • 63 West Drive, Cheam, SM2 7NB
  • 30 Swift Court, Westmoreland Drive, Cheam, SM2 6AX
  • 27 Tilehurst Road, Cheam, Surrey, SM3 8PD
  • 29 Kingswood Drive, Sutton, SM2 5NB

Local High Street Banks in Cheam

Mortgage Broker in and around Cheam

Our Cheam mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Benhilton, Worcester Park, Stoneleigh, Ewell, Norbury, West Wickham and Morden Park.

Which banks are local to you?


  • Santander - 8 The Broadway, Sutton SM3 8AY
  • Barclays - 39 High St, Sutton SM1 1DR
  • Metro Bank - 83-87 High St, Sutton SM1 1JF

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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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Mortgage Brokers Cheam 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.

Cheam Mortgage Broker Insider Tips

Get all your signed documentation to your solicitor in advance, if you want to give yourself more chance of a faster conveyancing process in Cheam.

Your conveyancing solicitor can't exchange contracts with the other side until they receive your mortgage deed, transfer deed, signed contract and so on. Originals of these documents, or at least some originals may be required by your solicitor and if so, you may need to post them.

It's a good idea, if you have to use Royal Mail, to send as much correspondence as you can together and make sure to use recorded delivery. This way, the documents can be tracked and you can find out when your mail was received and who signed for it. This is never best left to chance - you might lose your documents, which will slow down your conveyancing considerably and you will have to wait for replacements, into the bargain.

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