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Our Mortgage Broker Guide to getting a mortgage in Middlesex

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 Middlesex Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't take up more than half of the credit available to you

As a general rule, you should not take up more than half the credit available to you on, say, a credit card because it will negatively impact your credit score.

When you take up more than 50% of the credit offered to you, lenders start to view you as overextended and therefore more likely to default on a debt repayment or to make a payment late in future. They therefore downgrade your credit score accordingly, making any future potential borrowing more expensive or worse, any future applications for credit less likely to be successful.
Help to Buy Mortgage
A Help to Buy mortgage is required to cover the rest of the purchase price of a New Build you're looking to buy within the scheme which involves you having to produce a minimum 5% deposit and for which the Government provides an equity loan (repayable) of up to 20% (up to 40% for London Help to Buy) of the purchase price of the property.

The Help to Buy mortgage you require is therefore likely to be for a maximum loan to value (LTV) of 75% (55% for London Help to Buy) of the purchase price of the property. This is a lower LTV ratio than for standard mortgages, leaving you less exposed.

Click to find out more about Help to Buy Mortgages


Although Middlesex is no longer an administrative county, it is still often to be found as a postal direction on mail. It used to cover a very large part of London's area, including, for example, the boroughs of Camden, Hackney, Harrow, Hammersmith and Fulham, Islington, Kensington and Chelsea, Tower Hamlets, Hillingdon and the City of Westminster. The name itself derives, as many counties do, from Anglo Saxon times - it was the Middle Saxon kingdom.

Attractions in this diverse county are extremely diverse; you could visit Twickenham Stadium, the Mecca of the rugby world, for example, then you could climb Harrow Hill to overlook the world famous public school then you could go to Highgate Cemetery to visit the tomb of Karl Marx while contemplating a jaunt on Hampstead Heath...

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Property Price Stats for Middlesex


Average property price in Middlesex £661,959
% Change compared to last year 0%
Population of Middlesex 2,920,485 (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 Middlesex - Recently Completed

  • Adelphi Crescent, Hayes, Middlesex, UB4 8LY
  • 6 Newport Lodge, 5 Village Road, Enfield, Middlesex, EN1 2DN
  • 3 Orford Gardens, Twickenham, Middlesex, TW1 4PL
  • 51 Western Road, Southall, Middlesex, UB2 5HE
  • 59 Ouseley Road, Wraysbury, Middlesex, TW19 5JJ

Local High Street Banks in Middlesex

Mortgage Broker in and around Middlesex

Our Middlesex mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hounslow, Enfield, Teddington, Uxbridge, Ruislip, Arundel and Greenford.

Which banks are local to you?


  • Barclays Bank Plc - Civic Centre, High St, Uxbridge UB8 1JX
  • Lloyds - 1 Silver St, Enfield EN1 3EE
  • Halifax - 1 Silver St, Enfield EN1 3EE

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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

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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

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Middlesex Mortgage Broker Insider Tips

Be in constant communication with your solicitor regarding your conveyancing in Middlesex.

Your solicitor will be working hard for you from the get go. If something unforeseen arises, you change your mind about the property, a bereavement means you are unable to go ahead at this time and so on, inform your solicitor as soon as possible. 

By doing so, unnecessary and time-consuming work which later needs to be rectified can be avoided.

It also makes sure that all of your legal documents are accurate and the service you receive continues to be specifically tailored to your circumstances and needs.

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Conveyancing Process
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