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Our Mortgage Broker Guide to getting a mortgage in Esher

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 Esher Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Esher - Recently Completed

  • 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

Mortgage Broker in and around Esher

Our Esher mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Epsom, Leatherhead, Hersham, Walton on Thames, Claygate, Shinfield and Thames Ditton.

Which banks are local to you?


  • 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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Esher Mortgage Broker Insider Tips

Get all your signed documentation to your solicitor in advance, if you want to give yourself more chance of a faster conveyancing process in Esher.

Your conveyancing solicitor can't exchange contracts with the other side until they receive your mortgage deed, transfer deed, signed contract and so on. Originals of these documents, or at least some originals may be required by your solicitor and if so, you may need to post them.

It's a good idea, if you have to use Royal Mail, to send as much correspondence as you can together and make sure to use recorded delivery. This way, the documents can be tracked and you can find out when your mail was received and who signed for it. This is never best left to chance - you might lose your documents, which will slow down your conveyancing considerably and you will have to wait for replacements, into the bargain.

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