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

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Mortgage Brokers Esher offering free first consultation (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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How to get a mortgage - or remortgage - in Esher


Esher is an affluent suburban town with a commercial high street in Elmbridge Borough in Surrey and has a farmers market. Places of interest include Claremont Landscape Garden, Chessington theme park/zoo and Sandown Park Racecourse. The largest proportion of houses are detached.

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  

Check addresses on old accounts

Old mobile phone contracts can be linked to old addresses and if they are listed as open, this can disrupt applications due to ID checks listing different addresses for you.

You can find this information out by checking your file. It's worth doing so because the impact of wrong addresses might derail an application for a mortgage, for example.
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Fixed rate mortgage

With a fixed rate mortgage, the interest rate remains the same during the period of the fix, which could be 2, 3, 5 or even 10 years, after which it reverts to the lender's standard variable rate, which can move up and down.

Although you might be paying a higher rate initially with a fixed rate, it is predictable in terms of the required repayment and you are cushioned against the lender's costs of borrowing increasing (such as because, for example, the Bank of England has raised its base interest rate). You are locked in, however, and you cannot leave early without having to pay a large repayment charge. Once the fixed period has finished, you are free to organise a further fixed term (and fixed interest rate) with your lender or to change lenders and take up another mortgage entirely, which might, for example, be another fixed term mortgage.
KT10 9RD

Property Price Stats for Esher


Average property price in Esher £849,852
% Change compared to last year 0%
Population of Esher 6,743


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 Esher

  • High Street, Esher, Surrey KT10 9RD
  • Southwood Gardens, Esher, Surrey, KT10 0DE
  • Soprano Way, Esher, Surrey, KT10 0DG
  • Castle Avenue, East Ewell, Epsom, Surrey, KT17 2PL
  • Castle Avenue, East Ewell, Epsom, Surrey, KT17 2PL

Local High Street Banks in Esher

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Epsom, Leatherhead, Hersham, Walton on Thames, Claygate, Shinfield and Thames Ditton.


  • Barclays Bank Plc - Town Centre, 49 High St, Esher KT10 9RH
  • Natwest Bank Plc - 60 High St, Esher KT10 9TX
  • Santander Bank Plc - 43 High St, Esher KT10 9SQ

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Mortgage Broker Tips for the Conveyancing Process

If a family member or friend is providing you with any of the finance towards your home purchase in Esher, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels