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Our Mortgage Broker Guide to getting a mortgage in Plymouth

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 Plymouth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Work to keep your credit score as high as possible to make borrowing cheaper

Keeping aware of your credit score and taking action to keep it as high as possible essentially makes any credit you are granted likely to be cheaper.

If your credit score drops, you'll most likely have to pay higher APRs on future credit or you may be rejected after applying, which has a further negative impact on your credit score.

Variable Rate Mortgage

This is one of the two broad categories all mortgages fall into, the other being fixed rate.

You can never guarantee when and if the interest rate charged on a variable rate mortgage will change nor by how much making this type of mortgage more risky in terms of suddenly rising repayments. You may, however, benefit similarly from a fall in rates and the initial rate you pay is likely to be cheaper than it would be for a fixed rate mortgage.
It might therefore be argued that you should only opt for a variable rate mortgage by choice if you don't mind the risks involved and, in an emergency, can accommodate an upswing in interest rates.


Plymouth is a pleasant coastal city in Devon County, around 190 miles west south-west of London. Landmarks and attractions include Saltram House, a Jacobean and Georgian mansion, the beautiful Elliot Terrace in Plymouth Hoe, the National Marine Aquarium (great for families and kids) and Smeaton's Tower, a 72-foot restored Eddystone lighthouse.

PL3 5DD

Property Price Stats for Plymouth


Average property price in Plymouth £179,655
% Change compared to last year 0%
Population of Plymouth 256,400 (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 Plymouth - Recently Completed

  • Compton Avenue, Plymouth PL3 5DD
  • 79, Peverell Park Road, Plymouth , Devon, PL2 3PG
  • 55, Eggbuckland Rd, Plymouth PL3 6QB
  • 12, Beechwood Avenue, Plymouth, PL4 6PW
  • 81, Lipson Road, Plymouth PL4 8PN

Local High Street Banks in Plymouth

Mortgage Broker in and around Plymouth

Our Plymouth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Portwrinkle, St Germans, Saltash, Wembury, Woolwell, Ivybridge and Yelverton.

Which banks are local to you?


  • Lloyds - 53 Mutley Plain, Plymouth, Devon PL4 6JP
  • TSB Bank - 103 Wolseley Road, Ford, Plymouth, Devon PL2 3BL
  • Co Op - 160 Armada Way Plymouth, Devon PL1 1LF

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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 Plymouth offering free first consultation (terms apply).

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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.

Plymouth Mortgage Broker Insider Tips

For fast conveyancing in Plymouth, the trick is to choose the right solicitor from the outset.

  • Whilst this may seem like an obvious one, it's not just the standard of reviews that means a solicitor is good. It is also the volume of work. 
  • You need someone who values high communication levels and will work with your best interests in mind at all times. If a solicitor is overworked, your case may get overlooked, which can increase the chance of delays and poor prioritisation of clients. 
  • At SAM Conveyancing we aim for completion within 6-8 weeks. For us, we make sure your deadline is as achievable as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote*
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