Proud of our Customer Reviews
SAM Conveyancing Quote Reviews

calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Earley

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 Earley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your credit file after receiving any rejection for a credit application

If you don't find out why you've been rejected by checking your credit file and make further applications, each application worsens your credit score in turn.

If you discover an error, you might be able to get successive searches wiped but you'll have to negotiate with the relevant agency and lenders and success isn't guaranteed.

Tracker Mortgage

Tracker mortgages are in the wider class of variable rate mortgages and normally, the rate is a few percentage points above the prevailing Bank of England base rate. There is often a fixed term during which the arrangement operates, which is something in common with fixed rate mortgages.

The fixed term carries with it an early repayment charge if you choose to leave before it is ended. The interest charged at the outset is normally cheaper than for a fixed rate mortgage, however you are taking the risk that the rate might rise sharply, increasing the cost of your repayments in the same way. They therefore might not be attuned to buyers who have limited finances who cannot accommodate a sudden rate rise.

When a tracker mortgage has a lifetime – or length of the mortgage – term, there won't be an early repayment charge for leaving, but the risk of rates rising and making repayments very expensive remains.


Earley is a town within the Reading/Wokingham urban area within Berkshire County. Some experts have rated the area as one of the most desirable places to live in the UK. It has strong historical associations and many listed buildings.

If you take a trip to the Whiteknights Campus of Reading University, you can, for example, see a beautiful landscape garden, the North Lodge and South Lodge (all early 19th century) and Foxhill House in Whiteknights Park, now the School of Law, which is a large red brick house built in 1868. Nearby Reading and Wokingham offer large shopping areas and entertainments.

RG6 5HQ

Property Price Stats for Earley


Average property price in Earley £366,411
% Change compared to last year 14%
Population of Earley 30,000


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 Earley - Recently Completed

  • Dove Close, Lower Earley, Reading, Berkshire, RG6 4HU
  • Gabriels Square, Lower Earley, Reading, Berkshire RG6 3WN
  • Hilmanton Road, Lower Earley, Berkshire, RG6 4HN
  • Hartsbourne Road, Lower Earley, Berkshire, RG6 5PY
  • Langdale Gardens, Shinfield, Reading, Berkshire, RG6 5TX

Local High Street Banks in Earley

Mortgage Broker in and around Earley

Our Earley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Lower Earley, Wokingham, Woodley, Winnersham, Sindlesham, Tokers Green and Reading.

Which banks are local to you?


  • Halifax Bank Plc - 6, Chalfont Court, Chalfont Cl, Earley, Reading RG6 5SY
  • Barclays Bank Plc - 184 Crockhamwell Rd, Woodley, Reading RG5 3JL
  • HSBC Bank Plc - 160 Crockhamwell Rd, Woodley, Reading RG5 3JJ

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
Find a Home Mortgage

Whole Market Access

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

Best Mortgage Advisors

FREE mortgage consultations for Earley

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

Access Mortgage Providers Quickly

Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Earley Mortgage Broker Insider Tips

Selling? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.