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Our Mortgage Broker Guide to getting a mortgage in Chislehurst

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 Chislehurst Tip 1
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Difficulty getting a loan from a bank? Try a Credit Union instead

Credit unions are 'not for profit' and offer low-interest loans, normally to people living or working in a particular area. APRs offered are generally lower than those of banks, saving you money on interest and therefore your repayments will be cheaper.

You need to become a member of a credit union first and some require you to build up savings with them before they'll let you apply for a loan.

Family Deposit Mortgage

With family deposit mortgages, a family member places cash in a linked special savings account to help another family member secure a mortgage to buy a home and where the money in the account is held as security against the mortgage not being paid off.

The cash is held for a fixed period of time, which can be quite long (many years). The risk is that the mortgagor defaults on repayments so the helper family member's money is at risk. However, savings interest is payable on the linked account, even if at a comparatively low rate, and if the correct repayments are made, there's no other cost to the helper family member.


Chislehurst is an affluent suburban district located 10.5 miles south-east from the centre of London in Bromley borough. Landmarks include the Chislehurst Caves, thought to date back to ancient times and were more recently used to mine chalk and flint, and Scadbury Park, a local nature reserve spanning 300 acres and is home to rare flowers and ancient woodland. It is ideal for picnics, exploring and walking.

BR7 6ET

Property Price Stats for Chislehurst


Average property price in Chislehurst £546,536
% Change compared to last year 0%
Population of Chislehurst 14,831 (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 Chislehurst - Recently Completed

  • Cranmore Road, Chislehurst, BR7 6ET
  • 54 High St, Chislehurst, BR7 5AQ
  • 57 Chislehurst Road, Chislehurst, BR7 5NP
  • 27 Wanstead Close, Bromley, KENT BR1 3BN
  • Flat 8, 6 Warren Avenue, Bromley, Kent, BR1 4BS

Local High Street Banks in Chislehurst

Mortgage Broker in and around Chislehurst

Our Chislehurst mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Foots Cray, Sidcup, Petts Wood, Elmstead, Bickley, Sandhurst and New Eltham.

Which banks are local to you?


  • Barclays - 7 High St, Chislehurst BR7 5AB
  • Santander - 63 High St, Chislehurst BR7 5BE
  • Lloyds - 18 Station Square, Orpington BR5 1LU

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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.

Chislehurst Mortgage Broker Insider Tips

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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