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Our Mortgage Broker Guide to getting a mortgage in Ewell

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 Ewell Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep your paperwork up to date

You should ensure that all your debts are registered to your current name and address

Old addresses and names can cause all sort of problems when you apply for credit because of difficulties when it comes to establishing your true and current ID and address. Your application might be refused and this in turn will lower your credit score.

95% mortgage

A 95% mortgage describes a type of mortgage where the lender provides a 95% loan to value (LTV) mortgage i.e. 95% of the purchase price.

You would seek one of these if you wished to buy a particular property but were unable to amass the standard deposit of 10% of the asking price. You are borrowing more than normal, so you are taking on more debt and interest rates levied will be generally higher; you also have to think about negative equity, which you will be in if house prices fall just 6%.

Mortgages of up to 95% were a feature of the now defunct Help to Buy Mortgage Guarantee Scheme.


Ewell is a suburban area with a commercial village centre, 12 miles south-west of Central London, in Epsom & Ewell Borough in Surrey. Bourne Hall in its centre is its largest landmark, is in beautiful surrounds and has landscaped gardens and a lake. Chessington World of Adventures (Leatherhead Road, Chessington) is also close by for a family day out with rollercoasters, a zoo and an aquarium.

KT17 1SL

Property Price Stats for Ewell


Average property price in Ewell £479,108
% Change compared to last year 10%
Population of Ewell 5,417


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 Ewell - Recently Completed

  • Oakdale Road, West Ewell, Surrey. KT19 9XD
  • Court Farm Avenue, Ewell, Epsom, KT19 0HD
  • Chalford Court, Ewell Road, Surbiton, Surrey, KT6 6HJ
  • Castle Avenue, East Ewell, Epsom, Surrey, KT17 2PL
  • Ewell Road, Surbiton, Surrey, KT6 7AA

Local High Street Banks in Ewell

Mortgage Broker in and around Ewell

Our Ewell mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Epsom, Sutton, Hook, Tolworth, Worcester Park, Twickenham and Banstead.

Which banks are local to you?


  • Barclays Bank Plc - 84, 82 High St, Epsom KT19 8BH
  • HSBC Bank Plc - 54 High St, Epsom KT19 8DS
  • Natwest Bank Plc - 115 High St, Epsom KT19 8DX

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Ewell Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Ewell, 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.

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