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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

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.

Click to order your Local Authority Search
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