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Our Mortgage Broker Guide to getting a mortgage in Finchampstead

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 Finchampstead Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't even think about hiring a computer hacker to delete negative items from your credit report!

Hopefully a no-brainer: don't ever hire a anyone purporting to be a computer hacker to (illegally) manipulate your credit file. Not only do you face going to prison if the hacker you approach is genuine and you're found out – and fraud detection methods are becoming increasingly sophisticated – but you are also – and this outcome is more probable – likely to be simply cheated of any money you've paid over.

Shady adverts offering these kind of services are becoming increasingly common; pay no heed to them and stick to legitimate methods when it comes to successful debt management – unless you want to end up poor or even inhabiting a prison cell.

Fixed Rate Mortgage

A fixed rate mortgage is one where the interest charged on your monthly repayments is fixed for a particular set period; 2, 3, 5 and 10 years are the most common. You benefit by knowing exactly how much money you'll have to have put aside each month without having to worry about what is happening in the capital markets and whether the Bank of England base rate will rise (thus making your repayments more expensive).

When the set period comes to an end, your mortgage then becomes subject to the bank's standard variable rate (SVR) which means that it then moves in line with an index, which is most commonly the Bank of England's interest rate, referred to above. You can then opt either to stay on the SVR or to take out a new fixed rate mortgage, either with the same provider or with a new one.

Interest rates charged on fixed rate mortgages are often initially higher than for those chargeable under the SVR, however the repayment sum cannot rise higher meaning there's more peace of mind. You should be wary, however, of leaving a fixed rate mortgage before the fixed period has finished, because you'll normally have to pay a hefty early repayment charge to do so.


Finchampstead is in Wokingham Borough in Berkshire and this village is 33 miles west of London. Other nearby locations are Bracknell (5 miles west), Reading (8 miles north-west) and Woking (2 miles north). St James' Church is a prominent landmark. Many of the homes here are old cottages.

The nearest railway station is Crowthorne which connects Reading and Redhill. Wokingham is one stop away, and connects to London Waterloo. Redhill gives access to Gatwick Airport. The nearest prime roads are the M4 and the A329.

RG40 3RD

Property Price Stats for Finchampstead


Average property price in Finchampstead £558,005
% Change compared to last year 13%
Population of Finchampstead 668 (2011)


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 Finchampstead - Recently Completed

  • Fleet Hill, Finchampstead, Berkshire, RG40 4LJ
  • 55 Barkham Ride, Finchampstead, Berkshire, RG40 4HA
  • 38 Foxcote, Finchampstead, Wokingham, Berkshire, RG40 3PE
  • 65 Foxcote, Finchampstead, Wokingham, Berkshire, RG40 3PG
  • 71 Roycroft Lane, Finchampstead, Wokingham, Berkshire, RG40 4HN

Local High Street Banks in Finchampstead

Mortgage Broker in and around Finchampstead

Our Finchampstead mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Eversley, Wokingham, Crowthorne, Yateley, Sandhurst, Heckfield and Barkham.

Which banks are local to you?


  • Lloyds Bank Plc - Forge Court, Reading Rd, Yateley GU46 7RX
  • Halifax Bank Plc - 6 Market Pl, Wokingham RG40 1AL
  • Barclays Bank Plc - 31 Market Place, Wokingham RG40 1AR

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Finchampstead Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Finchampstead from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Finchampstead is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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