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Our Mortgage Broker Guide to getting a mortgage in Islington

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 Islington Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep credit usage low

Lenders always look at how much credit is available to you as well as your outstanding balances.

If the amount of available credit you can access is low, lenders can take the view that you aren't looking after your finances successfully. You should always try to keep credit balances below 50% of the total credit available to you.

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages


Islington is a district in London and part of Islington Borough. Mainly residential and just north of London's centre, it extends from Highbury Fields to Islington High Street and includes the popular area centred on The Angel, Upper Street, Essex Road (where there are many antique shops) and Southgate Road.

You can visit the Granita restaurant (made famous because it's where Tony Blair agreed to share power with Gordon Brown), go to the Sadler's Wells Theatre for some contemporary dance entertainment or go to the Almeida Theatre to view creative stagings of new as well as established plays.

N5 2NL

Property Price Stats for Islington


Average property price in Islington £754,408
% Change compared to last year 10%
Population of Islington 199,100 (2010)


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 Islington - Recently Completed

  • Grosvenor Avenue, Islington, London N5 2NL
  • 80 Mild May Avenue, Islington, London, N1 4FE
  • 34b Aberdeen Road, Highbury, Islington, London, N5 2UH
  • 38a Jackson Road, Islington, London, N7 6EE
  • 104A Mackenzie Road, Barnsbury, N7 8RE

Local High Street Banks in Islington

Mortgage Broker in and around Islington

Our Islington mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Holloway, Angel, Barnsbury, Canonbury, Finsbury, Eversley and Hoxton.

Which banks are local to you?


  • Lloyds Bank Plc - 19-20 Upper St, Islington, London N1 0PJ
  • Barclays Bank Plc - 38 Islington Green, London N1 8EH
  • HSBC Bank Plc - Lion House, 25 Islington High St, London N1 9LJ

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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 Islington

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

Access Mortgage Providers Quickly

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

Islington Mortgage Broker Insider Tips

Selling? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search
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.