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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 Gerrards Cross offering free first consultation (terms apply).

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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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How to get a mortgage - or remortgage - in Gerrards Cross


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.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip  

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.
Top Mortgage Lenders  
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
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

RECENTLY COMPLETED MOVES IN Gerrards Cross

  • 15 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

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Fulmer, Hedgerley, Farnham Common, Stoke Poges, Chalfont St Peter, Stoke Poges and West Hyde.


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

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Mortgage Broker Tips for the Conveyancing Process

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

  • If you are using a mortgage to purchase your home in Gerrards Cross and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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