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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

  • Millbrook Coachhouse, 12 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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Highgate Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Highgate or not.

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