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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

  • 6 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

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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