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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

  • 904 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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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

If a family member or friend is providing you with any of the finance towards your home purchase in Hayes, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process

FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.