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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
Top Mortgage Lenders

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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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Whole Market Access

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 Finchampstead offering free first consultation (terms apply).

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Fast mortgage appointments

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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

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Finchampstead Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Finchampstead or not.

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