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Our Mortgage Broker Guide to getting a mortgage in Kenley

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 Kenley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Apply to remove unfair defaults on your file

A company might have reported a debt it thinks you still owe but you think you have paid it. You should contact that company directly to ask for it to be removed and inform it that you will contact the Financial Ombudsman if it isn't.

If your contact with the company does not sort out the issue you can contact the relevant credit reference agency to add a notice of correction with a short explanation. Applications for credit may take longer but your action should reduce the negative effects on your score of the claimed default.

Family Offset Mortgage

Family offset mortgages fall into the wider class of offset mortgages and work by close associates or family members placing money into an account linked to the mortgagor's mortgage. Interest stemming from the account is deducted from the mortgage interest owed for the mortgage' in this way, the mortgagor's repayments become cheaper..

The lender may stipulate that the savings stay in the account for many years and the associates cannot withdraw them or make use of the interest for other purposes.


Kenley is a district in the south part of London's Croydon Borough and is 13 miles south of the capital's centre. There are many open spaces here as Kenley is in the Metropolitan Green Belt.

Many of the houses are Victorian/late Victorian era and a considerable number have been developed in more recently for executive housing. Landmarks include the Memorial Hall, dedicated to those who gave their lives in World War I, and Kenley Common, which has excellent views of the Caterham Valley and the North Downs.

CR8 5GR

Property Price Stats for Kenley


Average property price in Kenley £457,484
% Change compared to last year 17%
Population of Kenley 14,966 (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 Kenley - Recently Completed

  • Denefield Drive, Kenley, Greater London, CR8 5GR
  • 36 Little Roke Avenue, Kenley, Greater London, CR8 5NG
  • 30 Welcomes Road, Kenley, Greater London CR8 5HD
  • 47 Hartley Hill, Kenley, Greater London CR8 4EQ
  • 84 Godstone Road, Kenley, Greater London, CR8 5AA

Local High Street Banks in Kenley

Mortgage Broker in and around Kenley

Our Kenley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Riddlesdown, Purley, Coulsdon, Reedham, Whyteleafe, Hamsey Green and Warlingham.

Which banks are local to you?


  • Barclays - 11 Limpsfield Road, Sanderstead, South Croydon, Surrey CR2 9LA
  • HSBC - 21 High Street, Purley, Surrey CR8 2AF
  • Barclays - 953 Brighton Road, Purley, Surrey CR8 2YH

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Kenley Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Kenley from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Kenley is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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