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Our Mortgage Broker Guide to getting a mortgage in New Southgate

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 Southgate 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 Southgate is a residential suburb in the south-east of Barnet Borough but is also in part in Haringey Borough and also in Enfield Borough. It is around 7 miles north of Central London. Lanmdarks and attractions include Millennium Green open space for recreation and the Molly's Bar public house.

N11 1EG

Property Price Stats for New Southgate


Average property price in New Southgate £494,026
% Change compared to last year 21%
Population of New Southgate 25,340 (2001)


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 Southgate - Recently Completed

  • 133 Bronswick Park Road, New Southgate, London N11 1EG
  • 12 Beaconsfield Road, New Southgate, London, N11 3AB
  • 17 Goldrill Drive, New Southgate, London N11 1JF
  • 8 Swaledale Close, New Southgate, London N11 3FA
  • 37 Springfield Road, New Southgate, London N11 1RW

Local High Street Banks in New Southgate

Mortgage Broker in and around New Southgate

Our New Southgate mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Friern Barnet, Arnos Grove, Bounds Green, Bowes Park, Muswell Hill, Northowram and East Finchley.

Which banks are local to you?


  • HSBC - 1 Aldermans Hill, Palmers Green, London N13 4YE
  • Nationwide Building Society - 7 Aldermans Hill, London N13 4YG
  • Barclays - 2/4 Aldermans Hill, London N13 4PH

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New Southgate 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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