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Our Mortgage Broker Guide to getting a mortgage in Cheshunt

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 Cheshunt Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get on the electoral roll, even if you choose not to actually vote!

This is hugely important as many lenders won't even consider lending to you if you're not on the electoral roll.

Not being on the electoral roll makes checking your ID more difficult which always impacts your credit score.

Joint Mortgage

Any time you apply with at least one other person for a mortgage, you are applying for a joint mortgage. The lender lends you money not only based on your salary but on the salaries of any other joint applicants, meaning you might jointly potentially secure a much larger mortgage sum than if you applied singly.

The down side of a joint mortgage is that you all become joint and severally liable to repay it. So you could be making your fair contribution to mortgage repayments but if your mortgage partner/s are not, the lender can pursue you as well as the others for the shortfall.


Cheshunt is a dormitory town in Broxbourne Borough in Hertfordshire lying 12 miles north of Central London. The centre of Cheshunt is the colourful Old Pond along with historic Churchgate. Part of Old Cheshunt is a conservation area including the ancient buildings of the Dewhurst Charity School built in 1640 and several houses in Churchgate.

Attractions in and around the area include Lee Valley Park, which is great for watersports, The Great Wood Country Park, which offers excellent walks through woodland with plenty of wildlife, and Waltham Abbey, which has fantastic stained glass and a superb three tier organ.

EN8 0AH

Property Price Stats for Cheshunt


Average property price in Cheshunt £307,868
% Change compared to last year 12%
Population of Cheshunt 51,998 (2001)


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 Cheshunt - Recently Completed

  • Moorhurst Avenue, Goffs Oak, Waltham Cross, EN7 5LE
  • 14 Cross Road, Waltham Cross, Herts, EN8 7HU
  • 20 Cranleigh Close, Cheshunt, Hertfordshire, EN7 6HH
  • High Street, Waltham Cross, Hertfordshire, EN8 0AH
  • 29 Endeavour Road, Cheshunt, Waltham Cross, Hertfordshire, EN8 0LL

Local High Street Banks in Cheshunt

Mortgage Broker in and around Cheshunt

Our Cheshunt mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Waltham Cross, Enfield, Waltham Abbey, Goffs Oak, Cuffley, Woldingham and Wormley West End.

Which banks are local to you?


  • Barclays Bank Plc - 78 Turners Hill, Cheshunt, Waltham Cross EN8 9BW
  • Lloyds Bank Plc - Manor Croft Parade, 8-9 College Rd, Cheshunt, Waltham Cross EN8 9LR
  • HSBC Bank Plc - 81 Turners Hill, Cheshunt, Waltham Cross EN8 9BA

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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.

Cheshunt Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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