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Our Mortgage Broker Guide to getting a mortgage in Chester

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 Chester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a Credit Card

A credit scoring agency needs for you to have a credit in order for them to score you. Get a credit card, use it and pay it off in full. You must pay it off in full, otherwise you will worsen your credit score. Your credit report will start to show a credit where you borrow money and pay it off –this is exactly what mortgage lenders want to see.

Remember, use it and pay it off every month, otherwise this won’t work. If you have struggled getting a credit card before, go to a company that offers credit cards to people with bad credit rating. The interest rate will be through the room, but don’t worry, because you are paying off the balance every month you won’t incur any interest penalties.

Self-employed mortgage

Getting a conventional mortgage can be a huge challenge for those self-employed because of difficulties in establishing adequate proof to a lender that their business is sound and trading well and that future prospects will bring in enough to make the necessary monthly mortgage repayments.

Self-employed mortgages are specifically aimed at this group and normally require applicants to provide at least 2 years' worth of company accounts, SA302s or tax returns and possibly evidence of future work lined up. Click to find out more about Self-Employed Mortgages


Cheshire is a highly picturesque walled city in Cheshire near Wales' border. It dates back to being a Roman fort called Deva Victrix founded c. 79CE.

It is marked out by its ancient – and Grade I listed – city walls and black-and-white architecture. Landmarks and attractions include the Grosvenor Museum; Chester Castle which dates back to the medieval period; Grosvenor Park, a major public park; Handbridge, which contains the Roman Minerva's Shrine and Chester Little Theatre.

CH1 2HT

Property Price Stats for Chester


Average property price in Chester £248,689
% Change compared to last year 5%
Population of Chester 79,645 (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 Chester - Recently Completed

  • Upper Northgate Street, Chester CH1 4EE
  • 8 Newall Close, Chester CH3 9PP
  • 12 Centenary Close, Chester CH4 0FY
  • Cambridge Avenue, Winsford, Cheshire CW7 2LL
  • Linwood, Winsford, Cheshire CW7 3FT

Local High Street Banks in Chester

Mortgage Broker in and around Chester

Our Chester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Macclesfield, Liverpool, Warrington, Stoke-on-Trent, Widnes, St Helens and Stockport.

Which banks are local to you?


  • Lloyds TSB Bank plc - 13 Hoole Road, Chester, Cheshire, CH2 3NH
  • Natwest Bank Plc - 2 Faulkner Street, Hoole, Chester, Cheshire, CH2 3BA
  • Cheshire Building Society - 23 Bridge Street, Chester, Cheshire, CH1 1NG

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Information about Mortgages


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

Find a Home Mortgage

Whole Market Access

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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FREE mortgage consultations for Chester

Mortgage Brokers Chester offering free first consultation (terms apply).

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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

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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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Chester 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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Conveyancing Process
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.