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Our Mortgage Broker Guide to getting a mortgage in New Malden

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 Malden Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.


New Malden is a south-west London suburb, around 10 miles from Central London and is within the boroughs of both Kingston and Merton. It has many two- and three-bedroom terraced houses. It has many amenities such as a thriving sports centre, and notable open spaces are nearby, such as Wimbledon Common and Richmond Park.

Chessington Zoo and theme park are within easy travelling distance. New Malden also hosts World of Golf in Beverley Way, which not only offers much to all adult lovers of golf but also has Jurassic Encounter for kids, combining crazy golf with 'enormous' dinosaurs.

KT3 4ER

Property Price Stats for New Malden


Average property price in New Malden £511,522
% Change compared to last year 7%
Population of New Malden 28,500


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 Malden - Recently Completed

  • Wolsey Close Coombe, Kingston upon Thames, Greater London KT2 7ER
  • Flat 19, Kew Court, Richmond Road, Kingston Upon Thames, Greater London, KT2 5DF
  • 40 Bockhampton Road, Kingston Upon Thames, Greater London, KT2 5JU
  • 9 Langley Grove, New Malden, Surrey KT3 3AL
  • 119 Tennyson Avenue, New Malden, Surrey, KT3 6NA

Local High Street Banks in New Malden

Mortgage Broker in and around New Malden

Our New Malden mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Worcester Park, Surbiton, Raynes Park, Kingston upon Thames, Wimbledon, Staines and Chessington.

Which banks are local to you?


  • Lloyds Bank Plc - 94-96 High St, New Malden KT3 4EX
  • Barclays Bank Plc - 2 High St, New Malden KT3 4HF
  • Natwest Bank Plc - 64 High St, New Malden KT3 4HB

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Whole Market Access

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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FREE mortgage consultations for New Malden

Mortgage Brokers New Malden offering free first consultation (terms apply).

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Fast mortgage appointments

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.

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New Malden Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in New Malden, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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