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Our Mortgage Broker Guide to getting a mortgage in Highgate

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 Highgate Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Cancel out old addresses and accounts from your file

Old addresses – and accounts linked to old addresses – can play havoc with a mortgage application because of problems with ID checks.

You should ensure that old accounts are properly closed and that active accounts are linked to your present address.

Flexible Family Mortgage

Flexible family mortgages are designed such that family members can provide security for a mortgage for a first time buyer applicant.

Typically, a first time buyer might themselves have to provide a deposit of 5% of the selling price of the house they wish to buy and a family member puts a sum equating to 20% of the value of the home into an interest-bearing savings account which stands as security that the first time buyer will make the correct repayments.

Another option is the associate putting up a percentage of their own house as security for the loan and another is the associate placing savings into an account where the interest is offset against the first time buyer's mortgage interest, making repayments cheaper. The mortgage offered might involve any of these methods or some combination of all three.

As can be gleaned, the risks for the associate depend on the method adopted. They stand, for example, to lose a percentage of their house or the savings in an account set up as security.


Highgate is a pleasant and very affluent suburb of north London with Victorian, Edwardian, Georgian and modern style housing with excellent shopping streets and beautiful open spaces, such as Hampstead Heath, in and around it. The suburb is around 5 miles north north-west of the capital's centre. Landmarks include Highgate Cemetery, where very famous people such as Karl Marx are buried, Archway Bridge and Athlone House.

N6 6JD

Property Price Stats for Highgate


Average property price in Highgate £1,199,083
% Change compared to last year 11%
Population of Highgate 11,632 (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 Highgate - Recently Completed

  • Millfield Lane, London, N6 6JD
  • 37 Linden Mansion, London N6 5LF
  • 357 Archway Rd, London N6 4EJ
  • 7 Highgate High Street, Highgate, London N6 5JR
  • 69 Highgate W Hill, Camden, London N6 6BU

Local High Street Banks in Highgate

Mortgage Broker in and around Highgate

Our Highgate mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including East Finchley, Crouch End, Hampstead, Gospel Oak, Holloway, Finsbury Park and Highbury.

Which banks are local to you?


  • TSB - 51 Highgate High Street, London N6 5LA
  • Barclays - 54 Highgate High Street, London N6 5HX
  • Natwest - 28 Junction Road, London N19 5RF

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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.

Highgate Mortgage Broker Insider Tips

Be in constant communication with your solicitor regarding your conveyancing in Highgate.

Your solicitor will be working hard for you from the get go. If something unforeseen arises, you change your mind about the property, a bereavement means you are unable to go ahead at this time and so on, inform your solicitor as soon as possible. 

By doing so, unnecessary and time-consuming work which later needs to be rectified can be avoided.

It also makes sure that all of your legal documents are accurate and the service you receive continues to be specifically tailored to your circumstances and needs.

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