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Our Mortgage Broker Guide to getting a mortgage in Mitcham

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 Mitcham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Private tenant? Consider using Credit Ladder

If you're a private tenant and regularly pay your rent on time, you may wish to consider using Credit Ladder to help improve your credit rating.

You pay your rent to Credit Ladder - it's a free service – then Credit Ladder passes the money onto your landlord or letting agent, after which it informs Experian as to whether the payment has been made on time. The data is due to be visible to lenders from the end of 2017 onwards.

Standard Variable Rate Mortgage

A standard variable rate mortgage is one where the interest you pay on your mortgage loan to your lender is normally a few percentage points above the Bank of England base rate. The rate can vary, not only along with movements in the base rate but also because the lender decides to vary it.

If you have a standard variable rate mortgage, you'll have to ensure that you can make your repayments even if the rate changes against your favour and thus there Is an inherent uncertainty about this. You can, however, leave this kind of mortgage at any time without penalty and opt to take on, for example, a fixed rate mortgage or a discount mortgage.


Mitcham, in South London, is 7 miles south-west of Central London and within London's Merton Borough. It has a thriving town centre and a pleasant open space - Mitcham Common. You and your friends can see if you can escape from the Mystery Cube in Deer Park Road or you could go to the Wimbledon Lawn Tennis Museum in Church Road, Southfields to see some truly marvellous tennis memorabilia.

CR4 2YS

Property Price Stats for Mitcham


Average property price in Mitcham £305,808
% Change compared to last year 5%
Population of Mitcham 63,393


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 Mitcham - Recently Completed

  • Edenvale Road, Mitcham, Surrey, CR4 2DP
  • 64 Wilson Avenue, Mitcham, Surrey, CR4 3JL
  • 8 Rosedene Avenue, Morden, Surrey, SM4 5RA
  • 55 Tynemouth Road, Mitcham, Surrey, CR4 2BQ
  • 112 Shaldon Drive, Morden, Surrey, SM4 4BH

Local High Street Banks in Mitcham

Mortgage Broker in and around Mitcham

Our Mitcham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Morden, Sutton, Wimbledon, Streatham, Croydon, Ash Vale and Tooting.

Which banks are local to you?


  • Lloyds Bank Plc - 9 Majestic Way, St Mark's Rd, Mitcham CR4 2JS
  • Barclays Bank Plc - 29/, 31 Upper Green E, Mitcham CR4 2PF
  • Nationwide Building Society - 251 London Rd, Mitcham CR4 3XS

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Mortgage Brokers Mitcham 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.

Mitcham Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Mitcham until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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