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Our Mortgage Broker Guide to getting a mortgage in Gillingham

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 Gillingham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.


Gillingham is a town in the Medway unitary authority in Kent in South East England and is around 30 miles east south-east of Central London. It has a strong maritime association. Landmarks and attractions include the Royal Engineers Museum, the Priestfield Stadium (Gillingham Football Club's home ground) and the Strand Leisure Park.

ME7 2NN

Property Price Stats for Gillingham


Average property price in Gillingham £216,716
% Change compared to last year 13%
Population of Gillingham 104,157 (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 Gillingham - Recently Completed

  • Cavendish Avenue, Gillingham, Medway ME7 2NN
  • 22 Windsor Court, Gillingham, ME7 4PQ
  • 116 Marshall Road, Gillingham, Kent, ME8 0AN
  • 114 Hawbeck Road, Rainham, Gillingham, Kent, ME8 9UY
  • 12 Twydall Green, Gillingham ME8 6JY

Local High Street Banks in Gillingham

Mortgage Broker in and around Gillingham

Our Gillingham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including St Mary's Island, Chatham, Upnor, Rainham, Darland, Shorne and Hempstead.

Which banks are local to you?


  • Lloyds - 106-108 High St, Gillingham ME7 1AX
  • Barclays - 89-93 High St, Rainham, Gillingham ME8 7HS
  • HSBC - 87 High St, Gillingham ME7 1BP

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Gillingham Mortgage Broker Insider Tips

Ensure that you triple check all the information on your mortgage application!

if you make a mistake on a mortgage application form, it can slow down or even stop the process. 

Be careful to provide truthful and accurate information including your exact income and don't make elementary errors such as providing an inaccurate National Insurance Number!

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