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Our Mortgage Broker Guide to getting a mortgage in Forest Hill

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 Forest Hill Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Can't get on the UK electoral roll? Add proof of residency

If you can't be on the UK electoral roll, you should send all three of the main credit reference agencies proof of residency, e.g. utility bills, a UK driving licence etc., and ask them to add a note to verify this.

Interest-only Mortgage

Interest-only mortgages are not open to residential home buyers but are an option available to those who are buying to let. Your monthly payments are directed towards paying off the interest on the total loan: nothing is put towards the capital, which must be paid off in full at the completion of the mortgage period.

You have to pay more interest overall than for a repayment mortgage as the capital sum does not decline during the mortgage term. However monthly repayments are normally cheaper.


Forest Hill is a suburb in south-east London and is in Lewisham Borough. It is a pleasant place with varied housing stock and is the location of the Horniman Museum. Open spaces nearby include One Tree Hill, Peckham Rye and Blythe Hill. Ladywell Leisure Centre nearby is well-equipped for those who seek physical activity and games.

SE23 3HD

Property Price Stats for Forest Hill


Average property price in Forest Hill £484,565
% Change compared to last year 14%
Population of Forest Hill 841 (2001)


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 Forest Hill - Recently Completed

  • Shipman Road, Forest Hill, London, SE23 2DU
  • 60 Stillness Road, Forest Hill, London, SE23 1NF
  • 2 Hyndewood, Inglemere Road, Forest Hill, London, SE23 2BH
  • 52 Vancouver Road, Forest Hill, London, SE23 2AF
  • 8 Aylward Rd, Forest Hill, London SE23 2JE

Local High Street Banks in Forest Hill

Mortgage Broker in and around Forest Hill

Our Forest Hill mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Sydenham, Catford, Honor Oak Park, Brockley, Dulwich, Westcombe Park and Mottingham.

Which banks are local to you?


  • Barclays Bank Plc - 1 London Rd, Forest Hill, London SE23 3TR
  • Santander Bank Plc - 16 London Rd, Forest Hill, London SE23 3JA
  • Lloyds Bank Plc - 12 Sydenham Rd, London SE26 5QD

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

Forest Hill Mortgage Broker Insider Tips

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