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Our Mortgage Broker Guide to getting a mortgage in Colindale

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 Colindale Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Ask for your credit limit to be increased – but don't increase your borrowing!

One trick to increase your credit score is to get your credit limit increased but not take on any more borrowing. At a stroke, you look like a better risk because you will be using less of the credit available to you.

As a general rule, you should not be taking up more than 50% of the credit available to you on any one credit card; if your borrowings are a higher proportion of the credit available than this, you look more risky as a prospect because you look overextended: for this reason your credit score will be lowered.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Colindale is a suburban area in Barnet Borough around 8 miles north west of London's centre. Landmarks and attractions there include the Royal Air Force Museum, the Peel Centre (Hendon Police college) and the Grahame Park Estate.

NW9 6PE

Property Price Stats for Colindale


Average property price in Colindale £336,437
% Change compared to last year 7%
Population of Colindale 18,727 (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 Colindale - Recently Completed

  • Lynton Avenue, Colindale, London, NW9 6PE
  • Flat 64, Mar House, 50 The Hyde, Colindale, London NW9 5NG
  • 40 Geneve Court, Rookery Way, Colindale, NW9 6GA
  • 4 Avro House, 5 Boulevard Drive, London, NW9 5HF
  • 13 Allard House, 17 Boulevard Drive London NW9 5PQ

Local High Street Banks in Colindale

Mortgage Broker in and around Colindale

Our Colindale mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Burnt Oak, Mill Hill, Hendon, The Hyde, West Hendon, Colindale and Queensbury.

Which banks are local to you?


  • Barclays - 247 Edgware Rd, London NW9 6LS
  • TSB - 23 Watling Ave, London, Edgware HA8 0LJ
  • HSBC - 544 Kingsbury Rd, London NW9 9EE

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Colindale Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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