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Our Mortgage Broker Guide to getting a mortgage in Dartford

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 Dartford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't use unauthorised overdraft facilities

If you've set up an authorised overdraft facility with a bank, don't exceed your limit. Fees and interest charged on unauthorised overdrafts are generally extortionate and can damage your credit rating.

You should either restrict your outgoings to keep within your limit or, if you have to, find a cheaper source of finance, such as a loan.

Family Offset Mortgage

These mortgages, which are a type of offset mortgage, typically involve family members placing their savings into an account linked the mortgagor's mortgage, and their savings interest is deducted from the mortgage interest, making the mortgage cheaper.

The lender often requires that the savings are 'locked in' for some considerable time (can be many years) until, for example, 75% of the mortgage is paid off. During this time, the family members cannot use the savings interest as income at all – it is tied in to being deducted from the mortgage.


Dartford is in Dartford Borough in Kent and is a commuter town. The Bluewater Shopping Centre is within easy reach and there are cultural options such as the Orchard Theatre in Home Gardens and the Borough Museum and open spaces all around the locale for outdoor activities with friends, family and kids such as Darenth Country Park, Darent Valley Path and Hesketh Park.

W1J 6QL

Property Price Stats for Dartford


Average property price in Dartford £248,778
% Change compared to last year 9%
Population of Dartford 85,911 (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 Dartford - Recently Completed

  • Shirley Close, Dartford, Greater London, DA1 5BB
  • 14 Hyde Grove, Dartford, Greater London, DA1 5GE
  • 26 Birdwood Avenue, Dartford, Greater London, DA1 5GB
  • 9 Shirley Close, Dartford, Greater London, DA1 5BB
  • 66 Wilmot Rd, Dartford, Greater London, DA1 3BD

Local High Street Banks in Dartford

Mortgage Broker in and around Dartford

Our Dartford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bexleyheath, Gravesend, Swanley, Erith, Bexley, Norwood Green and Belvedere.

Which banks are local to you?


  • Lloyds Bank Plc - 4-6 High St, Dartford DA1 1BY
  • Barclays Bank Plc - 24 Lowfield St, Dartford DA1 1HD
  • HSBC Bank Plc - 47 38 High St, Dartford DA1 1DG

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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.

Dartford Mortgage Broker Insider Tips

Instructing a solicitor even before your offer has been accepted can hugely speed up the conveyancing process.

By instructing a solicitor as early as possible, you have already made a headstart into working towards completion. 

By the time your offer on a Dartford property has been accepted, your solicitor can have your documents in place, have conducted all financial checks and online ID that must be carried out and the seller will see how intent you are on completing in good time.

The process will be as smooth as possible and your organisation could increase your chance quick completion.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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