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All our panel mortgage brokers are registered with and regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

See our Terms & Conditions here

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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.


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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (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.

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How to get a mortgage - or remortgage - in Effingham


Effingham is a large village in Guildford Borough in Surrey. It is semi-rural in aspect. It contains many architecturally renowned buildings, for example the Red House, built by Sir Edwin Lutyens in 1893. Attractions nearby include Norbury Park Sawmill in Mickleham, for those who like wood chopping, and Garden Wisley in Wisley Lane, which is the Royal Horticultural Society's foremost garden.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Defaults, Bankruptcy Orders and County Court Judgments (CCJs)

These do affect your credit score negatively and can stay on your file for 6 years, but when this period has elapsed they no longer affect your score.

You are well advised to wait until the time period has elapsed because if you apply for credit and are refused, this will further lower your credit score.
Top Mortgage Lenders 

Guarantor Mortgage

Guarantor mortgages involve a third party, normally a family member or close associate, agreeing to guarantee that a mortgage applicant will make the correct, timely repayments for a mortgage loan granted.

The guarantee normally has to be backed up by the third party offering their own property as collateral or, for example, giving control of a large savings account to the lender. If the mortgagor defaults on repayments, then the lender can look to make up any shortfalls by extracting these from the third party, potentially putting the third party's home, or savings, at risk.

If the mortgagor makes the correct repayments however, the guarantor will not lose anything and will not have to pay anything over.
KT24 5LH

Property Price Stats for Effingham


Average property price in Effingham £626,713
% Change compared to last year - 6%
Population of Effingham 12,558


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

RECENTLY COMPLETED MOVES IN Effingham

  • 8 Ottways Lane, Ashtead, Surrey, KT21 2NZ
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 12 Buffers Lane, Leatherhead, Surrey, KT22 7XG
  • 24a Blackthorne Road, Bookham, Surrey, KT23 4BN
  • 58 Kingston Road, Leatherhead, KT22 7BW

Local High Street Banks in Effingham

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Bookham, Leatherhead, Dorking, Downside, Stoke d'Abernon, Ottershaw and Ockham.


  • Lloyds Bank Plc - 5 Ockham Rd S, East Horsley, Leatherhead KT24 6QW
  • Natwest Bank Plc - 9 High St, Cobham KT11 3DJ
  • HSBC Bank Plc - 67 West St, Dorking RH4 1BW

Book a Free Mortgage Broker Consultation
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Appointments available today
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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Mortgage Broker Tips for the Conveyancing Process

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Effingham or not.

Click to order your Property Searches