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Our Mortgage Broker Guide to getting a mortgage in Finchley

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 Finchley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Try not to use all of the possible credit available to you

To credit agencies, a person who has taken up all available credit can look overextended financially.

This can negatively affect a credit rating as the person will be regarded as statistically more likely to miss payments or make them late.

Capped Rate Mortgage

These are a type of variable rate mortgage, based on a lender's standard variable rate (SVR), but one where the rate cannot become higher than an agreed level (and therefore the repayments more expensive).

You can gain from these types of mortgages if the lender's SVR comes down, however you need to be sure that you have enough finance to make monthly repayments as high as the level of the cap, which may itself be set quite high. You often find also that the rate itself is generally higher than for other variable and fixed rate mortgages.


Finchley is an affluent residential suburb in FInchley Borough in North London. It has great shops and is particularly notable for the variety of world cuisines to be found in its many independent restaurants. Of particular note are Genzo on the High Road (East Finchley - Greek cuisine), the Khoai Cafe in Topsfield Parade (North Finchley - Vietnamese cuisine) and Durum in Ballards Lane (Finchley Central as well as a branch in nearby Golders Green - Turkish cuisine). It also contains Glebelands, a lovely local nature reserve.

NW11 8RT

Property Price Stats for Finchley


Average property price in Finchley £570,047
% Change compared to last year 4%
Population of Finchley 69,370


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 Finchley - Recently Completed

  • Bigwood Court, Bigwood Road, Finchley, London, NW11 6SS
  • Meadway Court, Finchley, London NW11 6PN
  • Market Place, East Finchley, London, N2 8BB
  • Nether Close, Finchley, London, N3 1AA
  • Glebelands Close, North Finchley, London, N12 0AL

Local High Street Banks in Finchley

Mortgage Broker in and around Finchley

Our Finchley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including West Hampstead, Golders Green, Hendon, Brent Cross, Colindale, Dunstable and Hampstead.

Which banks are local to you?


  • Barclays Bank Plc - 463-465 Brixton Rd, Brixton, London SW9 8HL
  • Lloyds Bank Plc - 357 Regents Park Rd, Finchley, London N3 1DN
  • Nationwide Building Society - 5/7 William Street, Windsor, SL4 1ED

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Information about Mortgages


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

Find a Home Mortgage

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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FREE mortgage consultations for Finchley

Mortgage Brokers Finchley 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

Independent Mortgage Broker

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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Finchley Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in Finchley, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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