Proud of our Customer Reviews
SAM Conveyancing Quote Reviews

calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Gerrards Cross

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 Gerrards Cross Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't take up more than half of the credit available to you

As a general rule, you should not take up more than half the credit available to you on, say, a credit card because it will negatively impact your credit score.

When you take up more than 50% of the credit offered to you, lenders start to view you as overextended and therefore more likely to default on a debt repayment or to make a payment late in future. They therefore downgrade your credit score accordingly, making any future potential borrowing more expensive or worse, any future applications for credit less likely to be successful.
Help to Buy Mortgage
A Help to Buy mortgage is required to cover the rest of the purchase price of a New Build you're looking to buy within the scheme which involves you having to produce a minimum 5% deposit and for which the Government provides an equity loan (repayable) of up to 20% (up to 40% for London Help to Buy) of the purchase price of the property.

The Help to Buy mortgage you require is therefore likely to be for a maximum loan to value (LTV) of 75% (55% for London Help to Buy) of the purchase price of the property. This is a lower LTV ratio than for standard mortgages, leaving you less exposed.

Click to find out more about Help to Buy Mortgages


Gerrards Cross is an affluent suburban town in the South Buckinghamshire District of Buckinghamshire County, around 19 miles west north-west of London. Landmarks include the St James parish church and the Gerrards Cross Memorial Building, designed by Sir Edwin Lutyens (who designed the Cenotaph) and which commemorates the First World War.

SL9 8ER

Property Price Stats for Gerrards Cross


Average property price in Gerrards Cross £814,290
% Change compared to last year 10%
Population of Gerrards Cross 8,667 (2013)


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 Gerrards Cross - Recently Completed

  • Packhorse Rd, Gerrards Cross SL9 8ER
  • 32 Marsham Way, Gerrards Cross SL9 8AB
  • 109 Oxford Rd, Gerrards Cross SL9 7PA
  • 15 Ethorpe Cres, Gerrards Cross SL9 8PN
  • 40 Oak End Way Gerrards Cross Buckinghamshire SL9 8BR

Local High Street Banks in Gerrards Cross

Mortgage Broker in and around Gerrards Cross

Our Gerrards Cross mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Fulmer, Hedgerley, Farnham Common, Stoke Poges, Chalfont St Peter, Stoke Poges and West Hyde.

Which banks are local to you?


  • Barclays - 12 Station Approach, Gerrards Cross SL9 8PP
  • Santander - 75 Packhorse Rd, Gerrards Cross SL9 8QP
  • Lloyds - 33 Packhorse Rd, Gerrards Cross SL9 8PF

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
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.

Best Mortgage Advisors

FREE mortgage consultations for Gerrards Cross

Mortgage Brokers Gerrards Cross offering free first consultation (terms apply).

Access Mortgage Providers Quickly

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.

Gerrards Cross Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Gerrards Cross which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

Click to book your FREE Mortgage Broker Consultation
*Access to whole of the market – 100% Impartial advice – No need for face-to-face meeting
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.