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Our Mortgage Broker Guide to getting a mortgage in Grays

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 Grays Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Hold off applying for credit until old issues have expired

Bankruptcy and county court judgments stay on your file for six years and data about applications for a year.

It's therefore worth leaving applications until problems such as these have been removed from your file to boost your chances of success.

Discount Mortgage

Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.

The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.


Grays, also known as Grays Thurrock, is the largest town in Thurrock Borough in Essex and is located 20 miles east of London's centre, on the north bank of the River Thames. The area is a mix of industrial, residential, retail and office blocks. It has a museum (Thurrock Museum, specialised on the locale with more than 1,500 objects spanning 250,000 years) and a theatre, (Thameside Theatre, in Orsett Road, which hosts a plethora of presentations and works for all ages and tastes) along with myriad shopping diversions, such as Intu Lakeside and Grays Shopping Centre.

RM16 4QR

Property Price Stats for Grays


Average property price in Grays £235,320
% Change compared to last year 11%
Population of Grays 36,301 (2001)


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 Grays - Recently Completed

  • Orchard Drive, Grays, Essex, RM17 5AF
  • 58 Ward Avenue, Grays, RM17 5RW
  • 58 Ward Avenue, Grays, RM17 5RW
  • Defoe Parade, Grays RM16 4QR
  • Blackshots Lane, Grays RM16 2LD

Local High Street Banks in Grays

Mortgage Broker in and around Grays

Our Grays mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Tilbury, Purfleet, Aveley, Chadwell St Mary, Chafford Hundred, Meopham and Orsett.

Which banks are local to you?


  • Lloyds Bank Plc - 34 High St, Grays RM17 6LX
  • Barclays Bank Plc - 9 High St, Grays RM17 6NB
  • Natwest Bank Plc - 17 High St, Grays RM17 6NP

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Grays 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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