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Our Mortgage Broker Guide to getting a mortgage in New Cross

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 New Cross Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Be wary of your financial ties with other people

If you're looking to open a joint credit agreement, such as a loan or mortgage, with someone else, their credit rating can affect yours, because your credit file will be linked to theirs.

Make sure you terminate financial links with ex-partners by shutting down any joint accounts and contacting relevant credit reference agencies to ask for a 'notice of disassociation' to stop your credit files being linked.

Flexible Mortgage

Flexible mortgages are called as such because they offer you flexibility with such matters as overpaying and underpaying, taking payment holidays, making lump sum withdrawals and paying off mortgages early.

You may not have to get a particular mortgage product for it to be flexible in this way (variable rate mortgages, for example, most often allow you to leave without having to make a hefty early repayment charge) but you should be aware that you're likely to be paying extra for the flexibility offered via your rate so you should ensure that you are going to use the features you'll be paying out for.


New Cross is a district of South London in Lewisham Borough. It's around 5 miles south east of Central London. It is home to Goldsmiths, University of London and has the famous Haberdashers' Aske's Hatcham College in its boundaries. It has excellent places to hear music such as the New Cross Inn and The Venue.

SE14 5DH

Property Price Stats for New Cross


Average property price in New Cross £407,022
% Change compared to last year 16%
Population of New Cross 15,756 (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 New Cross - Recently Completed

  • Pepys Road, New Cross, SE14 5SG
  • 81 Barriedale, London SE14 6RP
  • 8a Gellatly Road, London, SE14 5TT
  • 28 Dressington Avenue, Brockley, SE4 1JG
  • 28 Dressington Avenue, Brockley, SE4 1JG

Local High Street Banks in New Cross

Mortgage Broker in and around New Cross

Our New Cross mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Nunhead, London, St Johns, Telegraph Hill, Dulwich, Deptford and Peckham.

Which banks are local to you?


  • Santander Bank Plc - 181a, Richard Hoggart Building, Goldsmith University, New Cross Rd, London SE14 6NW
  • Barclays Bank Plc - 197 New Cross Rd, New Cross, London SE14 5DQ
  • HSBC - 47 Rye Lane, Peckham, London, SE15 5ET

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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.

New Cross Mortgage Broker Insider Tips

Get your buildings insurance sorted in time for exchange of contracts!

According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.

You should therefore plan for this in advance and organise your buildings insurance to start on the day you exchange. Click if you wish to get a buildings insurance quote.

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