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Our Mortgage Broker Guide to getting a mortgage in Dudley

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 Dudley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Use your credit card wisely but most importantly – get one!

If you don’t have a credit card you are less likely to be trusted than someone who does and it making timely repayments. Lenders will favour those who have credit cards and are using them well over someone who doesn’t have one.

Having a credit card and making regular repayments proves to a lender that you will be able to do the same with mortgage repayments and hence they are more likely to accept your application.

Lifetime Mortgage

This is a type of equity release on a secured property for a long period of time. The value of the property and the mortgagor have an effect on the amount you will be loaned by a lender.

It is unlike other mortgages in that the mortgagor doesn’t make any repayments until the end of the plan.


Dudley is a market town situated 10 miles northeast of Birmingham, 6 miles south of Wolverhampton and 7 miles northwest of Stourbridge. The Black Country was a term used to describe the Metropolitan Boroughs of Dudley, Sandwell, Walsall and Wolverhampton. The term is thought to have been used because the area is where the coal seam comes to the service, however it isn’t commonly used any longer.

Dudley was an impoverish town until the Industrial Revolution when the town started mining coal and limestone, and manufacturing many materials including iron and steel. In the 20th century many entertainment venues were opened such as theatres and cinemas. Dudley Castle, that became a ruin in 1750 was developed into a zoo in 1937.

DY1 1PY

Property Price Stats for Dudley


Average property price in Dudley £155,274
% Change compared to last year 10%
Population of Dudley 79,379 (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 Dudley - Recently Completed

  • Dando Road, Dudley, DY2 8NH
  • Ivanhoe street, Dudley, DY2 0YA
  • High St, Dudley DY1 1PY
  • Dudley St, Sedgley, Dudley DY3 1SJ
  • Buffery Rd, Dudley DY2 8EF

Local High Street Banks in Dudley

Mortgage Broker in and around Dudley

Our Dudley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Brierley Hill, Rowley Regis, Stourbridge, Halesowen, Wolverhampton, Bilston and Himley.

Which banks are local to you?


  • HSBC - 226 High St, Dudley DY1 1PQ
  • Lloyds Bank - 63 High St, Dudley DY1 1PY
  • Nationwide - 57 High St, Dudley DY1 1PR

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Dudley Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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