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Our Mortgage Broker Guide to getting a mortgage in Gloucester

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 Gloucester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your credit scores annually or before you make a major application

You should know what your credit rating is so you'll have a better idea what the likelihood is that your application will be approved and whether you'll have to pay higher interest rates/APRs.

Remember that errors can happen so it's important to check that your file doesn’t have any as they can prove detrimental to your score. Remember also that failed applications for credit will themselves lower your score.

Flexible Family Mortgage

Flexible family mortgages are mortgages designed for first time buyers where family members or associates can provide security for the loan using a variety of methods.

The first time buyer has to amass a minimum 5% deposit then the associate might put 20% or more of the value of the home into a savings account which pays interest as security for the loan. The first time buyer pays a lower interest rate on their mortgage compared to other mortgages of this type. Or the associate might opt to offer a percentage of their own property as security or they might place savings in an offset account to reduce the amount of the mortgage. The mortgage can be structured to involve either of these methods or a combination of all 3.

The risks facing the associate follow from the methods used – if they opt to use a percentage of their own property for example, they stand to lose this percentage in the event of default.


Gloucester is a cathedral city and county town of Gloucestershire in South West England, approximately 113 miles by road from London. It lies between the Cotswolds to the east and the beautiful Forest of Dean to the south west. It is on the River Severn and Wales is within easy reach.

Historical landmarks and attractions there include Gloucester Cathedral (it's the burial place of Edward II and is founded on an abbey dedicated to Saint Peter in 681), King’s Square and the New Inn in Northgate Street.

GL2 5BD

Property Price Stats for Gloucester


Average property price in Gloucester £189,280
% Change compared to last year 6%
Population of Gloucester 121,900 (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 Gloucester - Recently Completed

  • Scott Ave, Gloucester GL2 5BD
  • 6 Court Rd, Brockworth, Gloucester GL3 4EP
  • 88 High St, Gloucester GL1 4SS
  • 31 Churchfield Rd, Gloucester GL4 8BA
  • 17 Churchfield Rd, Gloucester GL4 8BA

Local High Street Banks in Gloucester

Mortgage Broker in and around Gloucester

Our Gloucester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Tuffley, Abbeymead, Elmore, Churcham, Rudford, Chadwell Heath and Churchdown.

Which banks are local to you?


  • Yorkshire Bank - 5 Northgate St, Gloucester GL1 2AH
  • Lloyds - 19 Eastgate St, Gloucester GL1 1NU
  • Leeds Building Society - 43 Northgate St, Gloucester GL1 2AN

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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.

Gloucester Mortgage Broker Insider Tips

Buyer? If you have specific enquiries you wish to ask the seller, get these over as quickly as possible through your solicitor.

Many enquiries are easy to answer but others will require the seller to produce specific documentation which they may have to obtain from third parties.

The sooner you get your own enquiries to the seller through your solicitor, the less opportunity there is for delays.

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