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Our Mortgage Broker Guide to getting a mortgage in Egham

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 Egham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get on the electoral roll – you're unlikely to get credit if not

Being on the electoral roll will not only improve your credit score but more importantly is normally necessary to be granted credit at all.

If you're not on the roll, a credit agency's score might indicate that your credit rating is excellent, but in practice, you won't normally be granted credit if you apply because of fraud scoring, Lenders invariably use the electoral roll to check IDs and addresses.

Repayment Mortgage

All residential mortgages are repayment mortgages as opposed to interest-only mortgages. The mortgagor, typically over a 25-year time period, makes regular monthly payments which involve a portion being made to pay off the interest on the loan and a portion used to pay off some of the capital.

The mortgagor, as time progresses, pays off an increasing amount of the capital. At the end of the term, assuming all repayments are made, the loan is fully paid off. Repayment mortgages have the advantage that you are developing a larger equity stake each month and this can make it easier to get a cheaper mortgage deal in the future.


Egham is a town in Runnymede Borough in Surrey and is 19 miles west south-west of Central London. Magna Carta was signed in nearby Runnymede and the town, within Englefield Green, contains the Royal Holloway College of the University of London. It has a pleasant town centre with independent shops as well as high street chains. Nearby attractions include Windsor Castle, Windsor Great Park and Thorpe Park.

There are some excellent open spaces nearby including Runnymede, Virginia Water lake and Windsor Great Park.

TW20 9EY

Property Price Stats for Egham


Average property price in Egham £382,838
% Change compared to last year 8%
Population of Egham 6,384


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 Egham - Recently Completed

  • Egham Hill, Egham, Surrey, TW20 0ER
  • Charta Road, Egham, Surrey, TW20 8XG
  • Tower Court, Vicarage Road, Egham, Surrey, TW20 9JN
  • Mead Court, Egham, Surrey, TW20 8XF
  • Derwent Road, Egham, Surrey TW20 8JP

Local High Street Banks in Egham

Mortgage Broker in and around Egham

Our Egham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Staines, Englefield Green, Addlestone, Chertsey, Virginia Water, Acton and Wraysbury.

Which banks are local to you?


  • Barclays Bank Plc - 46 High St, Egham TW20 9EP
  • Natwest Bank Plc - 50 High St, Egham TW20 9EU
  • Santander Bank Plc - 45 High St, Egham TW20 9DP

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Egham 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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