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Our Mortgage Broker Guide to getting a mortgage in Chesterfield

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 Chesterfield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Stay living in one place

Ever wonder why you get asked, “Have you lived at this address for longer than 3 years?” If you haven’t been registered at one address for a long period of time this will affect your credit rating because a mortgage lender wants to know where you live. If you keep moving, this shows a lack of stability and inconsistency increasing your risk profile.

Stay put and register everything you have to at this one address. Show a stable living and continuous residential address and your credit score will go up.

Current Account Mortgage

A current account mortgage is a variant of an offset mortgage and involve your current account effectively becoming pooled with your mortgage repayment account.

Your salary goes into the account and in doing so, reduces the capital you owe on your mortgage and the interest which is charged on it. The more your account is in credit, the less your mortgage payments become. You can't normally get discounted rates for this kind of mortgage.


Chesterfield is a large market town and borough in Derbyshire, England, 24 miles north of Derby and 11 miles south of Sheffield at the confluence of the rivers Rother and Hipper. 

With Whittington, Brimington and Staveley it had a population of about 103,801 in 2012, making it Derbyshire's second largest town.

S40 1PA

Property Price Stats for Chesterfield


Average property price in Chesterfield £178,672
% Change compared to last year 0%
Population of Chesterfield 103,801 (2012)


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 Chesterfield - Recently Completed

  • Old Road, S40 3QL
  • Vicarage Walk, S43 4FH
  • Hillside Drive, S43 3AA
  • Orchid Close, S44 5TW
  • Langwith Road, Chesterfield, S44 6LY

Local High Street Banks in Chesterfield

Mortgage Broker in and around Chesterfield

Our Chesterfield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Mansfield, Newark, Nottingham, Sheffield, Doncaster, Derby and Worksop.

Which banks are local to you?


  • TSB Bank Plc - 27 Market Pl, Chesterfield S40 1PN
  • HSBC Bank Plc - Market Pl, Chesterfield S40 1TN
  • Yorkshire Bank Plc - 14 Vicar Ln, Chesterfield S40 1PY

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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.

Chesterfield Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in Chesterfield.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

Click to order your Property Searches
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