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Our Mortgage Broker Guide to getting a mortgage in Hornchurch

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 Hornchurch 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.

Cashback Mortgage

Cashback mortgages describe mortgages where the lender provides a cash lump sum incentive for those taking them up and this cash can be particularly welcomed by first time buyers: they're having to cope with the many expenses involved with the conveyancing process and some available cash is great for decorating etc.

They are not, therefore, a different class of mortgage strictly speaking. As in life, you don't get anything for free either: you should carefully compare the interest rate you'll be charged for the cash incentive – there may also be additional fees as well – with other mortgage products to see if the incentive is truly worth it.


Hornchurch is a town in East London, 15 miles east south-east of the capital's centre. Landmarks include the Upminster Windmill and Eastbury Manor House. It is a large residential area with many shopping streets.

RM12 5LH

Property Price Stats for Hornchurch


Average property price in Hornchurch £366,714
% Change compared to last year 14%
Population of Hornchurch 13,544 (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 Hornchurch - Recently Completed

  • 32 Rosewood Avenue, Hornchurch, RM12 5LH
  • 92 Kempton Avenue, Hornchurch, RM12 6EB
  • 16 Stafford Avenue, Hornchurch, Essex, RM11 2ES
  • 12 Gull Walk, Hornchurch RM12 5QL
  • 25 Epsom Way, Hornchurch, RM12 6DU

Local High Street Banks in Hornchurch

Mortgage Broker in and around Hornchurch

Our Hornchurch mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Upminster, Emerson Park, Romford, Rush Green, Dagenham, Iver and Rainham.

Which banks are local to you?


  • Lloyds Bank Plc - 21-25 Station Ln, Hornchurch RM12 6JL
  • HSBC Bank Plc - 173 High St, Hornchurch RM11 3YS
  • Natwest Bank Plc - 120-122 High St, Hornchurch RM12 4UL

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Mortgage Brokers Hornchurch offering free first consultation (terms apply).

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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.

Hornchurch Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Hornchurch until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

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.