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Our Mortgage Broker Guide to getting a mortgage in Congleton

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 Congleton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Late bill payments can reduce your credit score!

If you are lax about paying bills and often pay them late, this can affect your credit score. Paying your bills on time means a higher credit score and lenders are more likely to trust you.

Contributing to household bills without having your name on the bill itself means you won't get that credit score increase. However if the bills are payed form your account, under your name, it will affect your credit score.

Help to Buy Mortgage

With the Help to Buy scheme, the deposit you need to put down is lower than with a standard mortgage and therefore more affordable. This is because the government lends you up to 20% of the total price and the final 75% is a Help to Buy mortgage.

Help to Buy Mortgages are different to standard mortgages. You need an Authority to Proceed from the help to buy agent before you can get a mortgage in principle.

Click here to find out more about an Help to Buy Mortgage - Authority to Proceed.


Congleton is a quaint town situated 26 miles south of Manchester. It is home to Little Moreton Hall, a famously wonky building built in the 1500s. There are many gardens and parks including Astbury Mere Country Park and Biddulph Grange Gardens.


CW12 1AD

Property Price Stats for Congleton


Average property price in Congleton £222,180
% Change compared to last year 9%
Population of Congleton 26,482 (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 Congleton - Recently Completed

  • Charter House, Wagg Street, Congleton, Cheshire, CW12 4BA
  • Edinburgh Road, Congleton, CW12 3EZ
  • Mill St, Congleton CW12 1AD
  • Biddulph Rd, Congleton CW12 3LG
  • Park Lane, Congleton, Cheshire CW12 3DE

Local High Street Banks in Congleton

Mortgage Broker in and around Congleton

Our Congleton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Astbury, Havannah, Brownlow Heath, Brereton Heath, Hulme Walfield, Brookhouse Green and Timbershook.

Which banks are local to you?


  • TSB Bank - High St, Congleton CW12 1BN
  • Barclays Bank - High St, Congleton CW12 1BQ
  • HSBC - High St, Congleton CW12 1BJ

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Congleton offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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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.

Congleton Mortgage Broker Insider Tips

By getting all of your signed documentation in to your solicitor in advance, you will get a better chance at a quick conveyancing process in Congleton.

Until your solicitor has your mortgage deed, signed contract, transfer deed, ID and other relevant documentation, they will not be able to exchange. This is not helped by the fact that some documents must be posted.

If this is the case, send as much correspondence as you can in one go and always do so via recorded delivery. This way, you can track the documents, find out when they were received and who signed for them. Lost documents can slow down the process and be very frustrating for all, especially if you have to wait for replacements for originals!

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