Mortgage Broker Effingham
Mortgage Broker Effingham
Book your Free Mortgage Consultation today
There's no need to wait days to speak to a mortgage lender direct when you can get a FREE mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.
Our Mortgage Broker Guide to getting a mortgage in Effingham
The mortgage application process has 4 stages regardless of which mortgage lender you use:
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1
Approval/Decision in Principal (AIP/DIP)
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2
Mortgage in Principal (MIP)
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3
Mortgage Valuation
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4
Mortgage Offer
Read about the full mortgage process here - What is the mortgage process?
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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 MortgageGuarantor 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 >>
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
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
Information about Mortgages
Watch our video to find out how to organise your mortgage and funding for your purchase.
Click to access our online mortgage payment/repayment calculator (UK).
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.
FREE mortgage consultations for Effingham
Mortgage Brokers Effingham offering free first consultation (terms apply).
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
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.
Effingham 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.
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.
Copyright 2014-20. All Rights Reserved.
SAM Conveyancing is a trading name of Share a Mortgage Ltd registration No. 08798475. We are an Introducer Approved Representative with the Financial Conduct Authority registration No. 618350. SAM Conveyancing complies with the Solicitors' Code of Conduct 2011 published by the Solicitors Regulation Authority (SRA). Your home may be repossessed if you do not keep up repayments on your mortgage.