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Our Mortgage Broker Guide to getting a mortgage in Horsham

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 Horsham Tip 1
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Limited record with credit? Take up a credit card

To develop and enhance your credit score, you'll need to have a credit record. One strategy is to apply for a credit card and use it to pay off a small loan or bill payment. Each timely repayment you make will help your credit score.

If you choose to do this, please make sure that you don't default on any repayments – defaulting on repayments negatively impacts your credit score and the affect negative effect outweighs the positive effects of making the repayments on time. Only ever take on debt which you can afford to repay.

Flexible Mortgage

Mortgages sold as flexible mortgages normally include features such as the ability of the mortgagor to overpay and underpay without penalty and to take payment holidays.

In theory, all mortgage variants might be tweaked by lenders to offer this type of flexibility. However you should be aware that you'll be paying for this to be the case and should only pay extra if you are likely to benefit greatly from the flexible aspects which you ask for.


Horsham is a town in West Sussex, around 31 miles south south-west of London. The market town has plenty of houses built in the 17th, 18th and 19th centuries. Attractions include the Carfax open square, the Rising Universe fountain and the Parish Church of St Mary for its architecture.

RH12 5JE

Property Price Stats for Horsham


Average property price in Horsham £361,860
% Change compared to last year 11%
Population of Horsham 55,657 (2001)


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 Horsham - Recently Completed

  • Bakehouse Barn Close, Horsham, Sussex RH12 5JE
  • 9 Tudor House, York Close, Horsham, West Sussex, RH13 5PF
  • Tauntons, Guildford Rd, Rudgwick, Horsham, West Sussex, RH12 3JB
  • 8 Park Farm Road, Horsham, West Sussex, RH12 5EW
  • 8 Arun Gardens, Arun Way, Horsham, West Sussex, RH13 5FD

Local High Street Banks in Horsham

Mortgage Broker in and around Horsham

Our Horsham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Littlehaven, Broadbridge Heath, Warnham, Christs Hospital, Mannings Heath, Dorney and Monk's Gate.

Which banks are local to you?


  • Lloyds - 1 West St, Horsham RH12 1PA
  • Barclays - 2 Carfax, Horsham RH12 1DN
  • TSB - Springfield Court 27 Swan Walk, Horsham RH12 1PT

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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.

Horsham Mortgage Broker Insider Tips

Buyer? If you have specific enquiries you wish to ask the seller, get these over as quickly as possible through your solicitor.

Many enquiries are easy to answer but others will require the seller to produce specific documentation which they may have to obtain from third parties.

The sooner you get your own enquiries to the seller through your solicitor, the less opportunity there is for delays.

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