FREE Online Conveyancing Process for Buyers
Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.
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.
FREE mortgage consultations for Penzance
Mortgage Brokers Penzance offering free first consultation (terms apply).
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
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.
How to get a mortgage - or remortgage - in Penzance
Penzance is the most westerly major town in Cornwall. Penzance is a historic port on the south facing shores of Mount’s Bay and has one of the mildest climates in the UK.
The town is 20 minutes from St Ives and regarded as less touristy; in the latter area many potential buyers have sought second homes rather than primary residences.
Within the town there is a variety of places to visit including St Michael’s Mount, Morrab Gardens and The Exchange Gallery.
Penzance’s Jubilee Pool, an art deco salt¬water lido, has been renovated. Chapel Street, known for its Egyptian House, is the centre of an artistic quarter where there is also a sculpture garden.
Penzance offers harbour boat trips, sea safaris and fishing excursions which provides some great seaborne activities.
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- Approval in principal (AIP)
- Mortgage in principal (MIP)
- Mortgage valuation
- Mortgage Offer
Read about the full mortgage process here - What is the mortgage process?
Destroy unused credit and store cards
If you have access to too much available credit, even if you don't use it, this can ruin your credit score. The easiest solution is to cancel cards you don't need. You should never 'max out' a single credit or store card, though, so you should take a reasonable approach to this.
Bank accounts, on the other hand, which are long standing and have good credit histories, can benefit your credit score, so are normally best left open.
Cashback Mortgage
A lender gives you money back, normally a percentage of the loan, when you take out this type of mortgage, the idea being that you benefit from a lump sum which is helpful when you're moving home.
In many ways, this type of mortgage is purely a marketing incentive: before taking this type of mortgage out, you should carefully check the interest rate you will be charged and if you'll have to pay any additional fees to see if you're actually benefiting enough from the incentive.
TR18 2PG
Property Price Stats for Penzance
| Average property price in Penzance | £216,126 |
| % Change compared to last year | 0% |
| Population of Penzance | 21,200 (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 >>
RECENTLY COMPLETED MOVES IN Penzance
- Treen, St. Levan, Penzance TR19 6LG
- St James' St, Penzance TR18 2BT
- Princes Street, Penzance TR18 2NL
- N Parade, Penzance TR18 4SH
- Morrab Rd, Penzance TR18 4EZ
Local High Street Banks in Penzance
Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Alverton, Newlyn, Wherrytown, Chyandour, Madron, Trevarrack and Heamoor.
- HSBC - 1 Green Market, Cornwall, Penzance TR18 2SD
- Lloyds - Market House, 38-39 Market Pl, Penzance TR18 2TN
- Barclays 8-9 Market Jew Street, Penzance TR18 2TW
Access to the whole of the mortgage market
Appointments available today
Get a mortgage quote tailored to your own requirements
Best first time buyer mortgage brokers
Information about Mortgages
Watch our video to find out how to organise your mortgage and funding for your purchase.
Click to access our online mortgage payment/repayment calculator (UK).
Mortgage Broker Tips for the Conveyancing Process
Choose conveyancing solicitors who balance their work well
Conveyancing solicitors look after the needs of many clients and if they take on too many clients, they will be unable to give adequate service to all of them particularly in matters of communication and it's more likely that mistakes will be made.
SAM Conveyancing carefully balance the workloads of the solicitors we use to ensure that you receive the optimum level of client care when you move home. We also only employ Conveyancing Quality Scheme (CQS) solicitors, so you can relax secure in this knowledge when you choose us.
*Fixed Fee – No Sale No Fee – On all Major Lender Panels
Copyright 2014-19. All Rights Reserved.
SAM Conveyancing is a trading name of Share a Mortgage Ltd registration No. 08798475. We are an Introducer Approved Representative with the Financial Conduct Authority registration No. 618350. SAM Conveyancing complies with the Solicitors' Code of Conduct 2011 published by the Solicitors Regulation Authority (SRA). Your home may be repossessed if you do not keep up repayments on your mortgage.