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Our Mortgage Broker Guide to getting a mortgage in Cirencester

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 Cirencester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay off debts with savings

Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.

It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.

Bridging Finance

Bridging finance is not strictly a type of mortgage but is often strongly connected to mortgaging. Strictly speaking it is short term – and relatively expensive – funding which is often used to:

  • Bridge the finance gap between selling a property and purchasing another;
  • Help buy dilapidated properties to 'do up'; and
  • Help buy auction properties.
Lenders need to be satisfied that bridging finance can be repaid and normally require lending to be secured against other residential or commercial properties held, whether a first or second charge.

It is normally relatively quick to arrange and is set up on a bespoke basis.


Cirencester is a market town in Gloucestershire, 93 miles west north-west of London and is in the beautiful Costwold District. Attractions and landmarks include the Royal Agricultural College and the Corinium Museum.

GL7 2HE

Property Price Stats for Cirencester


Average property price in Cirencester £268,751
% Change compared to last year - 3%
Population of Cirencester 19,000 (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 Cirencester - Recently Completed

  • Berry Hill Road, Cirencester, GLOUCS GL7 2HE
  • 41 Shepherds Way, Cirencester, GLOUCS GL7 2EU
  • 62 Dyer Street, Cirencester, GLOUCS GL7 2PF
  • 27 Cranhams Lane, Cirencester, GLOUCS GL7 1TZ
  • 18 Golden Farm Road, Cirencester, GLOUCS GL7 1DQ

Local High Street Banks in Cirencester

Mortgage Broker in and around Cirencester

Our Cirencester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Duntisbourne Abbots, North Cerney, Foss Cross, Ampney Crucis, Coates, Sulgrave and Latton.

Which banks are local to you?


  • Lloyds - 14 Castle St, Cirencester GL7 1QJ
  • Barclays - 28 Market Pl, Cirencester GL7 2NP
  • HSBC - 2 Market Pl, Cirencester GL7 2NS

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Cirencester Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Cirencester.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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