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Our Mortgage Broker Guide to getting a mortgage in Havering

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 Havering Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get on the electoral roll – you're unlikely to get credit if not

Being on the electoral roll will not only improve your credit score but more importantly is normally necessary to be granted credit at all.

If you're not on the roll, a credit agency's score might indicate that your credit rating is excellent, but in practice, you won't normally be granted credit if you apply because of fraud scoring, Lenders invariably use the electoral roll to check IDs and addresses.

Repayment Mortgage

All residential mortgages are repayment mortgages as opposed to interest-only mortgages. The mortgagor, typically over a 25-year time period, makes regular monthly payments which involve a portion being made to pay off the interest on the loan and a portion used to pay off some of the capital.

The mortgagor, as time progresses, pays off an increasing amount of the capital. At the end of the term, assuming all repayments are made, the loan is fully paid off. Repayment mortgages have the advantage that you are developing a larger equity stake each month and this can make it easier to get a cheaper mortgage deal in the future.


Havering is a London Borough in east London, just over 19 miles from the capital’s centre. The main town in the borough is Romford and the other main settlements are Upminster, Rainham and Hornchurch. The borough contains a mix of residential areas with high streets at their centre with a major retail and entertainment centre at Romford as well as a number of pleasant open spaces. Landmarks and attractions include the 18th century Langtons House and gardens and the Diver sculpture in Rainham.

RM1 4AP

Property Price Stats for Havering


Average property price in Havering £330,790
% Change compared to last year 14%
Population of Havering 237,232 (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 Havering - Recently Completed

  • 71 Portnoi Close, Romford, RM1 4AP
  • 52 Doncaster Way, Upminster, RM14 2PL
  • 120 Hall Lane, Upminster, RM14 1A
  • 1 Brookside, Hornchurch, Essex, RM11 2RU
  • 459 Rainham Road South, Dagenham, Essex, RM10 7XP

Local High Street Banks in Havering

Mortgage Broker in and around Havering

Our Havering mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dagenham, South Ockendon, Great Warley, Stapleford Abbotts, Lambourne End, Kirkburton and Erith.

Which banks are local to you?


  • HSBC - 173 High St, Hornchurch RM11 3YS
  • Barclays - 36/38 South Street, Romford RM1 1RH
  • Nationwide - 56 South St, Romford RM1 1UP

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Havering Mortgage Broker Insider Tips

The trick is to choose the right solicitor from the outset for your home move in Havering.

Yes, this may seem obvious, but it's not only the reviews that make a good solicitor. It is also the volume of work they have. If a solicitor is overworked, they will not be able to prioritise effectively, delays may be increased and your case may be overlooked. 

A good solicitor is someone who keeps your best interest in mind at all times and who values high communication levels.

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