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Our Mortgage Broker Guide to getting a mortgage in Pangbourne

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 Pangbourne Tip 1
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Difficulty getting a loan from a bank? Try a Credit Union instead

Credit unions are 'not for profit' and offer low-interest loans, normally to people living or working in a particular area. APRs offered are generally lower than those of banks, saving you money on interest and therefore your repayments will be cheaper.

You need to become a member of a credit union first and some require you to build up savings with them before they'll let you apply for a loan.

Capped Rate Mortgage

With a capped rate mortgage, you can be sure that your mortgage repayments will not increase over a certain amount. It is a form of variable mortgage so your repayments will go up and down, but only up so much.

The variable element is the interest rate which is based on the lender’s standard variable rate (SVR). The capped rate tends to be quite high so you need to make sure you can afford your maximum rate.


Pangbourne is a large village on the River Thames located in the county of Berkshire west of Reading.

The village has pleasant open spaces including Thames Path as well as a variety of attractions to visit such as Basildon Park, a classic 18th century country house, Mapledurham Watermill, the last working corn and grist mill on the Thames, and Beale Park (which is a bird sanctuary and picnic area with plenty of facilities for small children).

RG8 7LY

Property Price Stats for Pangbourne


Average property price in Pangbourne £721,213
% Change compared to last year 9%
Population of Pangbourne 2,978 (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 Pangbourne - Recently Completed

  • Weatheroak, Cedar Drive, Pangbourne RG8 7BH
  • Pangbourne Hill, Pangbourne, Reading RG8 7AS
  • Meadowside Road, Pangbourne, Reading, Berkshire RG8 7NQ
  • St James Cl Pangbourne, BERKS RG8 7AP
  • Reading Rd, Pangbourne, BERKS RG8 7HY

Local High Street Banks in Pangbourne

Mortgage Broker in and around Pangbourne

Our Pangbourne mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Reading, Basildon, Whitchurch Hill, Tidmarsh, Mapledurham, Upper Basildon and Purley on Thames.

Which banks are local to you?


  • Nationwide Building Society - 100 School Rd, Reading RG31 5AU
  • Lloyds - 70 School Rd, Tilehurst, Reading RG31 5AW
  • HSBC - 26 Broad St, Reading RG1 2BU

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Pangbourne Mortgage Broker Insider Tips

If your home purchase in Pangbourne is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

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