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Our Mortgage Broker Guide to getting a mortgage in Effingham

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 Effingham Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Effingham - Recently Completed

  • 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

Mortgage Broker in and around Effingham

Our Effingham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bookham, Leatherhead, Dorking, Downside, Stoke d'Abernon, Ottershaw and Ockham.

Which banks are local to you?


  • 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

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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.

Effingham Mortgage Broker Insider Tips

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.

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