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Our Mortgage Broker Guide to getting a mortgage in Crystal Palace

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 Crystal Palace Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep credit usage low

Lenders always look at how much credit is available to you as well as your outstanding balances.

If the amount of available credit you can access is low, lenders can take the view that you aren't looking after your finances successfully. You should always try to keep credit balances below 50% of the total credit available to you.

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages


Crystal Palace is a pleasant area of south-east London, around 6 miles south sout-east of the capital's centre in Croydon Borough. It has an excellent variety of property, from Victorian, Edwardian and Georgian period to modern housing estates.

Landmarks mainly centre around Crystal Palace Park, which hosts the UK athletics track, hosts a maze and historically was the site of the Crystal Palace, moved there from Central London (the Great Exhibition) but subsequently burnt down. The transmitters to the north of the park are visible from many miles away in most directions. Crystal Palace Football Club has its ground in nearby Selhurst Park. There are a number of excellent pubs and restaurants around Crystal Palace, such as the Sparrowhawk and Westow House.

SE19 2JA

Property Price Stats for Crystal Palace


Average property price in Crystal Palace £388,774
% Change compared to last year 9%
Population of Crystal Palace 12,255 (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 Crystal Palace - Recently Completed

  • Maberley Road, Crystal Palace, London SE19 2JA
  • 11 Westow Street, Crystal Palace, London SE19 3RW
  • 41 Westow Hill, Crystal Palace, London SE19 1TQZ
  • 3 Waldegrave Rd, London SE19 2AJ
  • 18 Patterson Rd, London SE19 2L

Local High Street Banks in Crystal Palace

Mortgage Broker in and around Crystal Palace

Our Crystal Palace mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Upper Norwood, Gipsy Hill, Penge, Anerley, Upper Sydenham, Bishop's Lydeard and Sydenham.

Which banks are local to you?


  • Natwest - 61 Sydenham Rd, London SE26 5HA
  • Barclays - 81 Sydenham Rd, Sydenham, London, SE26 5UA
  • HSBC - 76 Westow Hill, London, SE19 1SE

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Crystal Palace Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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