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Our Mortgage Broker Guide to getting a mortgage in Ingatestone

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 Ingatestone Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

What is the importance of a credit report?

As a first-time buyer looking to secure a mortgage, it is important to know how you’re viewed as a credit risk before applying. A credit report is important as it identifies what sort of risk you are, from the perspective of a potential lender. The report will also determine the maximum amount of money that you can borrow.

The three major credit reference companies, Equifax, CallCredit and Experience, normally offer a 30-day free trial; you should visit their website/s to find out more.

Mortgage Types

Types of mortgages include, among others:

  • Repayment or Interest-only
  • Fixed or variable rate
  • Offset
  • Help to Buy
  • 'Helper'

Repayment mortgages are mainly aimed at residential clients and interest-only mortgages are for commercial clients only. The interest rates on these mortgages can either be fixed or track a rate. The Bank of England base rate is what affects interest rates that are not fixed.

Offset mortgages involve linking your mortgages with a savings account, and Help to Buy mortgages accompany a Government equity loan. Finally, Helper mortgages are ones in which the mortgagor is assisted by a 'helper' who normally signs over some funds to the lender as a guarantee until a certain amount of the mortgage is repaid.


Ingatestone is a pleasant village located in the County of Essex just outside London. It is a popular place to live in because of its pleasant countryside and leisure facilities. Attractions include Hanningfield Reservoir which is a perfect place for families to go hiking and fishing. Other facilities nearby includes Rockeys Fun House, Ingatestone Hall and Mountnessing Windmill.

CM4 0LU

Property Price Stats for Ingatestone


Average property price in Ingatestone £604,422
% Change compared to last year 11%
Population of Ingatestone 4,787 (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 Ingatestone - Recently Completed

  • Radley Green Road, Ingatestone, Essex, CM4 0LU
  • The Meads, Ingatestone, Essex, CM4
  • High Street, Ingatestone CM4 9DW
  • Stock Lane, Ingatestone, Essex CM4
  • The Vale Stock, Ingatestone, Essex CM4 9PW

Local High Street Banks in Ingatestone

Mortgage Broker in and around Ingatestone

Our Ingatestone mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Stock, Blackmore, Radley Green, Margaretting, Billericay, Mill Green and Kelvedon Hatch.

Which banks are local to you?


  • Lloyds Bank - 89 High St, Essex, Billericay CM12 9AT
  • Nationwide Building Society - 4a High St, Brentwood CM14 4AB
  • TSB - 88-89 High St, Chelmsford CM1 1DX

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Information about Mortgages


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

Find a Home Mortgage

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.

Best Mortgage Advisors

FREE mortgage consultations for Ingatestone

Mortgage Brokers Ingatestone 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

Independent Mortgage Broker

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

Ingatestone Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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