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Our Mortgage Broker Guide to getting a mortgage in Cheshire

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 Cheshire Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Try not to use all of the possible credit available to you

To credit agencies, a person who has taken up all available credit can look overextended financially.

This can negatively affect a credit rating as the person will be regarded as statistically more likely to miss payments or make them late.

Variable Rate Mortgage

Variable rate mortgages are such that repayment rates can change, up or down, because the interest rate that the repayment figure is calculated on can change.

The interest rate at the outset is likely to be cheaper than for a fixed rate mortgage, however you are well advised to have sufficient room for manoeuvre in your finances to be able to accommodate an increase in the repayment rate. You can overpay or leave the arrangement at any time without penalty.


Cheshire is a county based to the west of the Midlands area in North West England and sits below Merseyside and borders North Wales. Its largest towns include Warrington, Crewe, Ellesmere Port and Macclesfield. Its county town is Cheshire, although Warrington is its largest town by population.

It's a ceremonial county and mainly rural, with a diverse economy with significant sectors including agriculture, automotive, bio-technology, chemical, financial services, food and drink, ICT, and tourism. The county is famous for the production of Cheshire cheese, salt and silk. It's considered an affluent county although containing pockets of deprivation such as some parts of Crewe. Chester is a beautiful town with lots of ancient architecture and is well worth a visit.

CW6 9QS

Property Price Stats for Cheshire


Average property price in Cheshire £253,754
% Change compared to last year 0%
Population of Cheshire 1,054,100 (2018)


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 Cheshire - Recently Completed

  • Dig Lane, Wybunbury, Nantwich, Cheshire East CW5 7EY
  • Brooke Avenue, Northwich, Cheshire CW8 4ZS
  • Mayfield Grove, Northwich, Cheshire CW8 2LT
  • Brooke Avenue, CW8 4ZS
  • Stamford Avenue CW2 7QD

Local High Street Banks in Cheshire

Mortgage Broker in and around Cheshire

Our Cheshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Crewe, Nantwich, Warrington, Macclesfield, Chester, Congleton and Knutsford.

Which banks are local to you?


  • NatWest Bank plc - 1 – 3 Market Place, Hyde, SK14 2LX
  • Santander - 34A Albert Rd, Widnes, WA8 6JE
  • Barclays Bank plc - 38 Market St, Crewe, Cheshire, CW1 2ET

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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 Cheshire 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.

Cheshire Mortgage Broker Insider Tips

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.

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