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Our Mortgage Broker Guide to getting a mortgage in Hayes

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 Hayes Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Automate payments wherever possible

Because keeping a reasonable credit score is so strongly tied to making the right repayments on time, it's very worthwhile to use any form of automated repayment service whenever you can.

Assuming you've budgeted accordingly and have the requisite funds available, which not remove the strain of having to remember to make the actual repayments to the right companies? You've done the hard work already!

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages


Hayes is a town in West London, 13 miles west of Central London and is part of Hillingdon Borough. It was known for being the home of the EMI record company. Attractions include the Beck Theatre in Grange Road, which hosts an excellent range of productions whether dance, drama or comedy and also panto; also the London Motor Museum in Nestles Avenue near Hayes & Harlington Station - a must for any petrol-head!

UB4 8JF

Property Price Stats for Hayes


Average property price in Hayes £303,501
% Change compared to last year 14%
Population of Hayes 95,763 (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 Hayes - Recently Completed

  • Uxbridge Road, Hayes, Middlesex, UB4 0RW
  • 75 Mansfield Drive, Hayes, Middlesex, UB4 8EB
  • 32 Fairy Avenue, Hayes, Middlesex, UB3 4NY
  • 8 Spa House, 48 Varcoe Gardens, Hayes, Middlesex, UB3 2FH
  • 28 Marina Approach, Hayes, Greater London, UB4 9DT

Local High Street Banks in Hayes

Mortgage Broker in and around Hayes

Our Hayes mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Southall, Uxbridge, Hillingdon, Yiewsley, West Drayton, North Moreton and Southall.

Which banks are local to you?


  • Lloyds Bank Plc - 1-5 East Ave, Hayes UB3 2HW
  • Metro Bank Plc - 8, Hayes Bridge Retail Park, Uxbridge Rd, Southall UB4 0RH
  • Natwest Bank Plc - 6 Coldharbour Ln, Hayes UB3 3EW

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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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Mortgage Brokers Hayes 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.

Hayes Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

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