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Our Mortgage Broker Guide to getting a mortgage in Orpington

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 Orpington Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't just pay the minimum repayment on your credit card

While you should always pay at least the minimum monthly repayment on your credit card and on time, it's very worth paying more than this and doing so will boost your credit score.

Lenders view paying off more than the monthly required minimum sum as evidence of good financial management and inform credit reference agencies accordingly.

Capped Mortgage

Capped mortgages are variable rate mortgages and the cap comes into play if the rate rises and ensures that repayments cannot rise beyond a certain amount. If the rate falls, then repayments become less.

If you are thinking of taking up a capped mortgage, you need to be sure that you are able to make payments should the rate rise to and stay at the level of the cap: if the cap is set too high, problems can occur as payments become too expensive to accommodate.

Capped mortgages are normally capped for an agreed fixed term and if this is the case you can only leave if you pay a large early repayment charge. Once the fixed term has elapsed, the mortgage is normally converted to one which is variable with the lender's standard variable rate. From this point, there are no penalties for choosing to take up a mortgage of another type.


Orpington is a town in south east London, in Bromley Borough and is on the edge of Greater London's boundary with Kent. It is around 13 miles south east of the capital's centre.

Nearby Downe House, where Charles Darwin wrote his hugely important work 'The Origin of Species', is well worth a visit, is well-preserved and is very educational. You can also do paintballing at Delta Force Paintball in Coneyearth Woods. Not for those of a delicate disposition!

BR6 0PJ

Property Price Stats for Orpington


Average property price in Orpington £449,922
% Change compared to last year 11%
Population of Orpington 15,311 (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 Orpington - Recently Completed

  • Gladstone Road, Orpington, Kent, BR6 7DZ
  • Garden House, Rookery Road, Orpington, Kent, BR6 7JQ
  • 22 Tubbenden Lane, Orpington, Kent, BR6 9PN
  • 16 Newstead Avenue, Orpington, Kent, BR6 9RL
  • 18 Glentrammon Road, Green Street Green, Orpington, Kent, BR6 6DE

Local High Street Banks in Orpington

Mortgage Broker in and around Orpington

Our Orpington mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chislehurst, Bromley, Chelsfield, St Mary Cray, Crockenhill, Hayes and Downe.

Which banks are local to you?


  • Lloyds Bank Plc - 177-179 High St, Orpington BR6 0LJ
  • Barclays Bank Plc - 229 High St, Orpington BR6 0JU
  • HSBC Bank Plc - 249 High St, Orpington BR6 0NR

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Orpington Mortgage Broker Insider Tips

Communicate using the fastest and most efficient methods.

This way unnecessary delays are avoided. It would be awful if you were ready to exchange on your property in Orpington but couldn't go ahead as some documents were still outstanding in the post.

Modern society allows us to contact each other with the touch of a button, be it via email or telephone. If you have a question, it is often quicker to call. If you need to send some documents, an email with scanned attachments can be faster than the post.

If you are using the post, always use the most rapid options and make sure it is recorded or you could risk losing important, essential documents. The nominal extra cost is utterly worth it. It's important to note that a lost or even delayed document can set you back 2-3 weeks, and time is precious in a home move.

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