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Our Mortgage Broker Guide to getting a mortgage in Preston

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 Preston Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Cancel out old addresses and accounts from your file

Old addresses – and accounts linked to old addresses – can play havoc with a mortgage application because of problems with ID checks.

You should ensure that old accounts are properly closed and that active accounts are linked to your present address.

Flexible Family Mortgage

Flexible family mortgages are designed such that family members can provide security for a mortgage for a first time buyer applicant.

Typically, a first time buyer might themselves have to provide a deposit of 5% of the selling price of the house they wish to buy and a family member puts a sum equating to 20% of the value of the home into an interest-bearing savings account which stands as security that the first time buyer will make the correct repayments.

Another option is the associate putting up a percentage of their own house as security for the loan and another is the associate placing savings into an account where the interest is offset against the first time buyer's mortgage interest, making repayments cheaper. The mortgage offered might involve any of these methods or some combination of all three.

As can be gleaned, the risks for the associate depend on the method adopted. They stand, for example, to lose a percentage of their house or the savings in an account set up as security.


Preston is a city and the administrative centre of Lancashire. There is evidence of settlement there going back to the Roman period. It has been associated with the textiles and wool industries since the 13th century until midway through the 20th Century.

Landmarks and attractions in the area include St Walburge's Church, built in the mid-19th Century, the Harris Museum, the Turbary Woods Owl and Bird of Prey Sanctuary, Avenham and Miller Parks, the British Commercial Vehicle Museum and the Bowland Wild Boar Park.

PR1 8BQ

Property Price Stats for Preston


Average property price in Preston £166,512
% Change compared to last year 0%
Population of Preston 122,719 (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 Preston - Recently Completed

  • Mosley Street, PR1 5PD
  • Christ Church Street, PR1 8PH
  • Fishwick Parade PR1 4XR
  • Studholme Avenue PR1 9PA
  • Watling Street Road PR2 6UA

Local High Street Banks in Preston

Mortgage Broker in and around Preston

Our Preston mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Wigan, Southport, Lancaster, Rochdale, Bolton, Blackburn and Blackpool.

Which banks are local to you?


  • Barclays Bank plc - 38 Fishergate, Preston PR1 2AD
  • HSBC Bank Plc - 49A Fishergate, Preston PR1 8BH
  • Yorkshire Bank Plc - 44 Fishergate, Preston PR1 8BH

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

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.

Best Mortgage Advisors

FREE mortgage consultations for Preston

Mortgage Brokers Preston offering free first consultation (terms apply).

Access Mortgage Providers Quickly

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

Independent Mortgage Broker

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.

Book a Free Mortgage Broker Consultation

Preston Mortgage Broker Insider Tips

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote
*Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process
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.