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Our Mortgage Broker Guide to getting a mortgage in Isleworth

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 Isleworth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't 'dive into' all the credit that's available to you!

Credit reference agencies tend to view people who take up all credit available to them as overextended financially.

People who are overextended financially are statistically more likely to default on credit repayments or to make payments late – it all translates into a lower credit score, which will make future credit applications less assured of being granted and any credit granted more expensive.

Mortgage Types

Mortgages can be examined in terms of whether they share one or more of the following characteristics (although the first two are 'either/or' choices):

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

Residential mortgage applicants can only take out repayment mortgages whereas non-residential clients can also opt to take out interest-only mortgages.

Interest rates are either fixed for a period or track a particular rate, which always involves taking into account movements in the Bank of England's base rate. Offset mortgages look to offset interest made on savings against interest owed on a mortgage and thus make repayments cheaper.

Help to Buy mortgages are specific to the Government's Help to Buy scheme, in which you buy a New Build home from a Help to Buy agent, using an equity loan of up to 20% (40% for Help to Buy London) from the Government and a reduced (minimum 5%) deposit. They are smaller than normal in terms of loan to value ratios because they only have to cover up to 75% of the purchase price (up to 55% for Help to Buy London).

Helper mortgages describe mortgages where a mortgage applicant has the help of an associate (normally a close family member) in buying a home. The associate provides security that the loan will be paid back either by putting up their own home as collateral or by putting money into an account which the lender controls, which may not be able to touched for a number of years, or by devoting interest earned on a savings accounts to bring down the interest on the mortgage loan, making the mortgage cheaper to repay.


Isleworth is a small town in West London on the north bank of the River Thames within Houslow Borough. It is mainly residential with some shops and amenities.

Osterley Park and House are nearby for a day out around a splendid house and grounds. For the pub goer, The London Apprentice in Church Street is an excellent riverside pub with food.

TW7 4BX

Property Price Stats for Isleworth


Average property price in Isleworth £417,423
% Change compared to last year 9%
Population of Isleworth 11,977 (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 Isleworth - Recently Completed

  • Abinger Gardens, Isleworth, Middlesex, TW7 6LQ
  • Wyke Green Golf Club, Syon Lane, Isleworth, Middlesex, TW7 5PT
  • 54 Woodlands Road, Isleworth, Middlesex, TW7 6JU
  • 67 Beaumont Place, Isleworth, Middlesex, TW7 7LB
  • 20 Braybourne Drive, Isleworth, Middlesex, TW7 5EL

Local High Street Banks in Isleworth

Mortgage Broker in and around Isleworth

Our Isleworth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hounslow, Brentford, Osterley, Twickenham, Richmond, Flamstead and Woodlands.

Which banks are local to you?


  • Natwest Bank Plc - 468 London Rd, Isleworth TW7 4DD
  • HSBC Bank Plc - 127 High St, Hounslow TW3 1QP
  • Barclays Bank Plc - 203 High St, Brentford TW8 8AD

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Isleworth Mortgage Broker Insider Tips

If your home purchase in Isleworth is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

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