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Our Mortgage Broker Guide to getting a mortgage in Ongar

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 Ongar Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your credit file after receiving any rejection for a credit application

If you don't find out why you've been rejected by checking your credit file and make further applications, each application worsens your credit score in turn.

If you discover an error, you might be able to get successive searches wiped but you'll have to negotiate with the relevant agency and lenders and success isn't guaranteed.

Tracker Mortgage

Tracker mortgages are in the wider class of variable rate mortgages and normally, the rate is a few percentage points above the prevailing Bank of England base rate. There is often a fixed term during which the arrangement operates, which is something in common with fixed rate mortgages.

The fixed term carries with it an early repayment charge if you choose to leave before it is ended. The interest charged at the outset is normally cheaper than for a fixed rate mortgage, however you are taking the risk that the rate might rise sharply, increasing the cost of your repayments in the same way. They therefore might not be attuned to buyers who have limited finances who cannot accommodate a sudden rate rise.

When a tracker mortgage has a lifetime – or length of the mortgage – term, there won't be an early repayment charge for leaving, but the risk of rates rising and making repayments very expensive remains.


Ongar, or Chipping Ongar, is a pleasant village in Essex County, around 21 miles north east of Central London, in Brentwood Borough. Landmarks include Ongar Castle, reputedly constructed in 1155 and Greenstead Church, built in 1645, the oldest wooden church in the world.

The A414 runs through the town and the closest National Rail service is in Brentwood, around 7 miles away, on the overground line connecting London Liverpool Street and Shenfield. The nearest tube station is in Epping, on the Central Line, around 5 miles away. There are many local buses available.

CM5 0GA

Property Price Stats for Ongar


Average property price in Ongar £344,844
% Change compared to last year 0%
Population of Ongar 6,069 (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 Ongar - Recently Completed

  • The Gables, Ongar, Essex CM5 0GA
  • 103 High St, Ongar, Essex CM5 9DX
  • 42 The St, Ongar CM5 9NE
  • 37a Amesbury Close, Epping, CM16 4JA
  • 4 Hobbs Cross Cottages, Theydon Garnon, Epping CM16 7NY

Local High Street Banks in Ongar

Mortgage Broker in and around Ongar

Our Ongar mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Marden Ash, Greensted Green, Fyfield, North Weald Bassett, Moreton, Barlborough and Norton Mandeville.

Which banks are local to you?


  • Barclays - 186 High St, Chipping Ongar, Ongar CM5 9JL
  • Lloyds - 154 High St, Epping CM16 4AQ
  • Natwest - 279 High St, Epping CM16 4BT

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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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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 Ongar 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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Ongar Mortgage Broker Insider Tips

Selling? Deal with any issues which are likely to appear on a survey before you market your property

A cautious buyer is more likely to book a RICS home buyers survey which is likely to show up any potential or actual defects your property may have.

If there are any, these may give a prospective buyer grounds either to bargain with you for a reduction in selling price or even to pull out of buying. At the very least you may end up wasting time as a result.

You should therefore call in a professional to remedy any structural issues you may have such as damp – the cause might often be damaged roofs or window frames or leaking pipes.

Click to book your building defect specialist 
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