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Our Mortgage Broker Guide to getting a mortgage in Guildford

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 Guildford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Remove financial links to old partners

You may find that your credit rating is diminished because of the suspect credit history of someone you've shared joint finances with. This might be a business or life partner.

You should write to your credit reference agency and ask for a notice of disassociation.

Cashback Mortgage

A lender gives you money back, normally a percentage of the loan, when you take out this type of mortgage, the idea being that you benefit from a lump sum which is helpful when you're moving home.

In many ways, this type of mortgage is purely a marketing incentive: before taking this type of mortgage out, you should carefully check the interest rate you will be charged and if you'll have to pay any additional fees to see if you're actually benefiting enough from the incentive.


Guildford is the county town of Surrey and was listed 7th in the 2015 hottest locations. Its most famous landmark is its town clock, which was given to Guildford merchants in 1683. It boasts a busy shopping hub with House of Fraser, Debenhams and The Friary Centre available. For those who prefer to live in the surrounding areas, the nearby villages of Merrow, Burpham and East Horsley are very pretty, and with lower property prices than in the centre of Guildford. Also worthy of mention is Loseley Park, which has an Elizabethan house, beautiful grounds and period furnishings - it is a very popular venue to hire for weddings and it has its own chapel.

There are lovely walks to be had in the area, such as around Newlands Corner, Guildford Castle and Stoke Park. Also with the Surrey Hills keen ramblers and regular cyclists can stumble on many different places of interest.

GU2 4BB

Property Price Stats for Guildford


Average property price in Guildford £473,236
% Change compared to last year 11%
Population of Guildford 137,200


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 Guildford - Recently Completed

  • Elmside, Guildford, Surrey GU2 7SH
  • Ashenden Road, Guildford, Surrey, GU2 7XD
  • Walnut Tree Close, Guildford, Surrey, GU1 4UW
  • Waltham Avenue, Guildford, Surrey, GU2 9QF
  • Bishops Court, Mount Pleasant, Guildford, Surrey, GU2 4HY

Local High Street Banks in Guildford

Mortgage Broker in and around Guildford

Our Guildford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Woking, Godalming, Mayford, Ash, Aldershot, Brookwood and Normandy.

Which banks are local to you?


  • Barclays Bank Plc - 31 Market Place, Wokingham RG40 1AR
  • Lloyds Bank Plc - 3, 20 Market Pl, Wokingham RG40 1AP
  • Natwest Bank Plc - 5 Broad St, Wokingham RG40 1AX

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

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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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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Guildford Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Guildford until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

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