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Our Mortgage Broker Guide to getting a mortgage in Godalming

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 Godalming Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Cancel out old addresses and accounts from your file

Old addresses – and accounts linked to old addresses – can play havoc with a mortgage application because of problems with ID checks.

You should ensure that old accounts are properly closed and that active accounts are linked to your present address.

Flexible Family Mortgage

Flexible family mortgages are designed such that family members can provide security for a mortgage for a first time buyer applicant.

Typically, a first time buyer might themselves have to provide a deposit of 5% of the selling price of the house they wish to buy and a family member puts a sum equating to 20% of the value of the home into an interest-bearing savings account which stands as security that the first time buyer will make the correct repayments.

Another option is the associate putting up a percentage of their own house as security for the loan and another is the associate placing savings into an account where the interest is offset against the first time buyer's mortgage interest, making repayments cheaper. The mortgage offered might involve any of these methods or some combination of all three.

As can be gleaned, the risks for the associate depend on the method adopted. They stand, for example, to lose a percentage of their house or the savings in an account set up as security.


Godalming is a pretty market town and the administrative centre of Waverley Borough in Surrey County. It is 30 miles southwest of London and is highly affluent, frequently performing well in rankings of desirable places to live in the UK. A fair part of the town's appeal is its transport communications.

Nearby attractions include the Winkworth Arboretum (in Hascombe Road), a protected hillside, National Trust garden, woodland & lake, which is a great place to take the family, and Oakhurst Cottage, a tiny 16th century cottage in Hambledon, owned by the National Trust, which is a brilliant example of a traditional Surrey labourer's cottage and has been well-preserved.

GU7 3LH

Property Price Stats for Godalming


Average property price in Godalming £476,391
% Change compared to last year 4%
Population of Godalming 21,804


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 Godalming - Recently Completed

  • Knoll Road, Godalming, Surrey, GU7 2EP
  • 22 Mary Vale, Godalming, Surrey, GU7 1SW
  • 45a Church Road, Milford, Godalming, Surrey, GU8 5JB
  • 16 Franklyn Rd, Godalming, Surrey, GU7 2LD
  • 26a Upper Manor Road, Milford, Surrey, GU8 5JW

Local High Street Banks in Godalming

Mortgage Broker in and around Godalming

Our Godalming mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Milford, Guildford, Lightwater, Sunningdale, Longcross, Farnham and Knaphill.

Which banks are local to you?


  • Lloyds Bank Plc - 49 High St, Godalming GU7 1AT
  • Barclays Bank Plc - 25 Old Woking Rd, West Byfleet KT14 6LG
  • Santander Bank Plc - 104 High St, Godalming GU7 1HG

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Godalming Mortgage Broker Insider Tips

Choose conveyancing solicitors who balance their work well

Conveyancing solicitors look after the needs of many clients and if they take on too many clients, they will be unable to give adequate service to all of them particularly in matters of communication and it's more likely that mistakes will be made.

SAM Conveyancing carefully balance the workloads of the solicitors we use to ensure that you receive the optimum level of client care when you move home. We also only employ Conveyancing Quality Scheme (CQS) solicitors, so you can relax secure in this knowledge when you choose us.

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