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Our Mortgage Broker Guide to getting a mortgage in Gravesend

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 Gravesend Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't use your credit cards to withdraw cash

You should only ever withdraw cash using a credit card in an emergency.

It's very expensive and worse, lenders view it as proof that your money management skills are poor: it is recorded on your credit file.

Endowment Mortgage

Endowment mortgages are traditionally associated with interest-only mortgages and so are only open to non-residential investors such as those looking to buy to let.

Your monthly repayments pay off the interest on the loan only with an interest-only mortgage and don't address payment of the capital. The endowment element works by you paying into an endowment fund and part of your payment is put towards life cover (if you die, the capital is paid off). The endowment fund itself is an investment fund which you invest in monthly and which is intended to grow, during the mortgage period, to become large enough on surrender at the end of the period to cover the capital.

The risk – and controversy surrounding these products – concerns the fund not growing sufficiently to cover the full capital amount such that there is a shortfall which has to be made up.


Gravesend is a town in north west Kent and is 21 miles east south-east of Central London. Tibury in Essex faces it on the other side of the Thames and the town is the administrative centre of Gravesham Borough. Gravesend is strongly associated with maritime activity and much of its activity has been traditionally focused on the River Thames and the Thames Estuary.

Cyclopark in Watlington Street is an excellent skate, scooter and bike park for children as well as a playground for the younger ones and refreshments. For walks and outdoor activities, Shorne Woods Country Park in Brewers Road is recommended. It's pleasant and relaxing with many things to do and also has refreshments.

DA11 0LZ

Property Price Stats for Gravesend


Average property price in Gravesend £231,324
% Change compared to last year 9%
Population of Gravesend 66,000


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 Gravesend - Recently Completed

  • Albion Rd, Gravesend, Kent, DA12 2SR
  • Old Barn Bungalow, Wood Hill, Gravesend, Kent, DA13 0DJ
  • 4 Hillary Avenue, Northfleet, Kent, DA11 8NS
  • Old Rd W, Gravesend DA11 0LZ
  • 19 Eynswood Drive, Sidcup, DA14 6JQ

Local High Street Banks in Gravesend

Mortgage Broker in and around Gravesend

Our Gravesend mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dartford, Southfleet, Greenhithe, Northfleet, Longfield, Littlestead Green and Swanscombe.

Which banks are local to you?


  • Lloyds Bank Plc - 78 New Rd, Gravesend DA11 0AR
  • HSBC Bank Plc - 84 New Rd, Gravesend DA11 OAS
  • Natwest Bank Plc - 30 King St, Gravesend DA12 2XX

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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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.

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FREE mortgage consultations for Gravesend

Mortgage Brokers Gravesend offering free first consultation (terms apply).

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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

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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.

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Gravesend Mortgage Broker Insider Tips

Selling? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search
Conveyancing Process
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