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Our Mortgage Broker Guide to getting a mortgage in Park Royal

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 Park Royal Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've actually made use of measured against the available credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, it's best to keep this 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 measures into account.

Joint Mortgage

Joint mortgages are mortgages where the mortgage is taken out by two (or more) people together in order to buy a property. The mortgage sum granted is calculated according to 2 (or more) incomes and so is a way of getting a larger mortgage than if one person alone was applying for one.

The other side of a joint mortgage is that all of the borrowers are equally joint and severally liable (click to find out more). This means that if, for example, one person defaults on the required repayments, then the lender can pursue all parties on the mortgage to recover the money owed and ultimately it can repossess your home even if you yourself, out of all the signatories on the mortgage, have been making the correct, timely repayments.


Park Royal is an area of West London and is shared between two London boroughs, namely Brent and Ealing. It has a large business park and has around 500 food companies based in its locale.

It's located very close to the junction of the A40 Westway and the North Circular Road (A406) and the interchange is called the Hanger Lane Gyratory.

It has excellent public transport communications, as it has Park Royal Station (Picadilly Line) and Hanger Lane (Central Line) close by. There are many green open spaces also nearby.

NW10 6HJ

Property Price Stats for Park Royal


Average property price in Park Royal £399,204
% Change compared to last year 0%
Population of Park Royal 76,278 (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 Park Royal - Recently Completed

  • Birse Crescent, London, NW10 1SJ
  • 83b Manor Park Road, Harlesden, London, NW10 4JU
  • Lennox Gardens, Gladstone Park, London, NW10 1AA
  • Flat 9, 2 Hillside, London NW10 8GE
  • Cooper Road, London NW10 1BG

Local High Street Banks in Park Royal

Mortgage Broker in and around Park Royal

Our Park Royal mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Alperton, North Acton, Tokyngton, Stonebridge, Harlesden, Ealing and Perivale.

Which banks are local to you?


  • Barclays Bank - Acorn House 38, 36 Park Royal Rd, London NW10 7JA
  • NatWest Bank - 1 Abbey Rd, Park Royal, London NW10 7YQ
  • HSBC Bank - 69 Park Royal Rd, London NW10 7JR

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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 Park Royal

Mortgage Brokers Park Royal 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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Impartial Mortgage Advice

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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Park Royal Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

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Conveyancing Process
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