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Our Mortgage Broker Guide to getting a mortgage in Hillingdon

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 Hillingdon Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Private tenant? Consider using Credit Ladder

If you're a private tenant and regularly pay your rent on time, you may wish to consider using Credit Ladder to help improve your credit rating.

You pay your rent to Credit Ladder - it's a free service – then Credit Ladder passes the money onto your landlord or letting agent, after which it informs Experian as to whether the payment has been made on time. The data is due to be visible to lenders from the end of 2017 onwards.

Standard Variable Rate Mortgage

A standard variable rate mortgage is one where the interest you pay on your mortgage loan to your lender is normally a few percentage points above the Bank of England base rate. The rate can vary, not only along with movements in the base rate but also because the lender decides to vary it.

If you have a standard variable rate mortgage, you'll have to ensure that you can make your repayments even if the rate changes against your favour and thus there Is an inherent uncertainty about this. You can, however, leave this kind of mortgage at any time without penalty and opt to take on, for example, a fixed rate mortgage or a discount mortgage.


Hillingdon is a suburban area in West London, within Hillingdon Borough, and around 14 miles west of Central London. It is mainly residential with a varied housing stock, much of it built in the 1930s. There are parades of shops and for larger shopping areas, nearby Uxbridge is easy to get to. There are many open spaces within reach, such as Hillingdon Court Park.

You're only a short drive away from Ruislip Lido, where you have attractions such as a beach, boating and swimming lake, wonderful woods and a miniature railway. Also nearby, in former RAF Uxbridge, you can visit the Battle of Britain Command Centre/Bunker.

UB10

Property Price Stats for Hillingdon


Average property price in Hillingdon £366,409
% Change compared to last year 12%
Population of Hillingdon 13,164 (2014)


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 Hillingdon - Recently Completed

  • Elm Croft Terrace, Colham Green Road, Hillingdon, Middlesex, UB8 3QF
  • 7 Elm Croft Terrace, COlham Green Road, Hillingdon, Middlesex, UB8 3QF
  • 29 Leybourne Road, Hillingdon, UB10 9HD
  • 80 Halford Road, Ickenham, Middx, UB10 8QA
  • 52 Windsor Avenue, Uxbridge, UB10 9AX

Local High Street Banks in Hillingdon

Mortgage Broker in and around Hillingdon

Our Hillingdon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hayes, Uxbridge, Ruislip, Ickenham, West Drayton, Crouch Hill and Yeading.

Which banks are local to you?


  • Natwest Bank Plc - 63 High St, Ruislip HA4 8JB
  • Barclays Bank Plc - 2 High Street, Yiewsley, West Drayton UB7 7DH
  • HSBC Bank Plc - 65 High St, Ruislip HA4 8JE

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Whole Market Access

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 Hillingdon offering free first consultation (terms apply).

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Fast mortgage appointments

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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Book a Free Mortgage Broker Consultation

Hillingdon Mortgage Broker Insider Tips

For fast conveyancing in Hillingdon, the trick is to choose the right solicitor from the outset.

  • Whilst this may seem like an obvious one, it's not just the standard of reviews that means a solicitor is good. It is also the volume of work. 
  • You need someone who values high communication levels and will work with your best interests in mind at all times. If a solicitor is overworked, your case may get overlooked, which can increase the chance of delays and poor prioritisation of clients. 
  • At SAM Conveyancing we aim for completion within 6-8 weeks. For us, we make sure your deadline is as achievable as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote*
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Conveyancing Process
FREE Online Conveyancing Process for Buyers

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