Mortgage Broker Cheam

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

All our panel mortgage brokers are FCA regulated. Your home may be repossessed if you do not keep up repayments on your mortgage.

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* Access to whole of the market – Available Outside of Work Hours – No need for face-to-face meeting with mortgage advisor - Terms Apply

No time for forms? Call us on 0333 344 3234 Mon-Fri 8-6 Sat 11-1 (local call charges apply)

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All our panel mortgage brokers are registered with and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.

Already have an account? Click HERE!

Whole Market Access

You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

FREE mortgage consultations &
Exclusive mortgage rates

Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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

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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How to get a mortgage - or remortgage - in Cheam

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.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

Approval in principal (AIP)
Mortgage in principal (MIP)
Mortgage valuation
Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 1

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.

Mortgage Broker Tip 2

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.

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 >>

RECENTLY COMPLETED MOVES IN Cheam

47 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

Find a mortgage lender near you:

Our mortgage broker specialises in the local area and have completed house surveys in Benhilton, Worcester Park, Stoneleigh, Ewell, Norbury, West Wickham and Morden Park.

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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Information about Mortgages

Watch our video to find out how to organise your mortgage and funding for your purchase.

Click to access our online mortgage payment/repayment calculator (UK).

Mortgage Broker Tips for the Conveyancing Process

Receiving a gifted deposit? Ensure that the donor/s have their IDs and proof of funds to hand.

When you instruct a solicitor to buy or sell a property, you need to give them proof of ID and address and proof of funds.

If you're being helped with deposit funds from family members etc., your solicitor will want to know who these people are and where their money in turn has come from and they will have to prepare a signed and witnessed gifted deposit declaration.

Ensuring that anyone gifting deposit funds to you has these items in readiness guards against unnecessary delays.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote

*Fixed Fee – No Sale No Fee – On all Major Lender Panels