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Our Mortgage Broker Guide to getting a mortgage in Chipping Norton

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

    Approval/Decision in Principal (AIP/DIP)
    Mortgage in Principal (MIP)
    Mortgage Valuation
    Mortgage Offer

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

Mortgage Broker Chipping Norton Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get rid of old credit card and store card the right way

Having a bunch of credit cards that you don’t use can be unhelpful and annoying. It is a better idea to just have one or two credit cards that you use regularly and pay off each month.

However you should consider not maxing out your credit on one card – try not to use more than 50% of the available credit on one card. It is a good idea to keep accounts open that have had a good history of regularly repayments as these will increase your credit score.

Flexible Mortgage

This type of mortgage you a flexibility when it comes to repayments. You can overpay and underpay, take payment holidays, make lump sum withdrawals and pay off your mortgage early.

There isnt a set type of mortgage to get this flexibility. Variable rate mortgages, for example, allow you to leave without having to make a hefty early repayment charg. You will be paying extra for this type of flexibilty - which is the catch - but it may be that the benefits of this style of mortgage fit you best and affect you greatly.

Chipping Norton is a market town in the Cotswold Hills. It is situated in the west of Oxfordshire, 21 miles northwest of Oxford, 62 miles northeast of Bath and 56 miles south of Birmingham. Landmarks include the ruins of Chipping Norton Castle, Bliss Tweed Mill and the St. Mary the Virgin church. The neoclassical town hall is also a notable building as it was built in 1842 so contains a depth of history within it. The railway was first opened in 1855.


Property Price Stats for Chipping Norton

Average property price in Chipping Norton £318,389
% Change compared to last year 13%
Population of Chipping Norton 6,337 (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 Chipping Norton - Recently Completed

  • William Bliss Avenue, Chipping Norton, OX7 5LT
  • Weststreet, Chipping Norton, OX7 5LH
  • High St, Chipping Norton OX7 5AB
  • Burford Rd, Chipping Norton OX7 5DZ
  • Chipping Norton OX7 5NJ

Local High Street Banks in Chipping Norton

Mortgage Broker in and around Chipping Norton

Our Chipping Norton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Over Norton, Salford, Cornwell, Heythrop, Churchill, Dean and Sarsden.

Which banks are local to you?

Barclays Bank, High Street, Chipping Norton OX7 5AE

TSB Bank, High St, Chipping Norton OX7 5DL

Lloyds Bank, The Square, Stow-on-the-Wold, Cheltenham GL54 1BJ

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Chipping Norton Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Chipping Norton until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

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