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Our Mortgage Broker Guide to getting a mortgage in Purley

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 Purley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay off debts with savings

Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.

It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.

Bridging Finance

Bridging finance is not strictly a type of mortgage but is often strongly connected to mortgaging. Strictly speaking it is short term – and relatively expensive – funding which is often used to:

  • Bridge the finance gap between selling a property and purchasing another;
  • Help buy dilapidated properties to 'do up'; and
  • Help buy auction properties.
Lenders need to be satisfied that bridging finance can be repaid and normally require lending to be secured against other residential or commercial properties held, whether a first or second charge.

It is normally relatively quick to arrange and is set up on a bespoke basis.


Purley is an area in South London just south of Croydon and around 12 miles south of Central London. Its centre has large supermarkets, estate agents, restaurants and bars - Purley Way is one of the largest retail hubs in the UK. When you go through the area, it's hard not to spot the tall chimneys which used to be part of a power station but have been retained by IKEA, the present owner of the site.

The hub of Croydon is very near, with its own shopping options and entertainment including, for example, the Fairfield Halls, where you can hear all manner of music concerts. Purley has a Vue Cinmea in Hesterman Way.

CR8 2HW

Property Price Stats for Purley


Average property price in Purley £482,456
% Change compared to last year 12%
Population of Purley 14,000 (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 Purley - Recently Completed

  • Russell Hill, Westbury, Purley, CR8 2JA
  • 64 Hyde Road, South Croydon, CR2 9NQ
  • 47 Hartley Hill, Purley, CR8 4EQ
  • Flat 3, Faygate Court, 218 Pampisford Road, South Croydon, CR2 6BY
  • Flat 7, 31 Birdhurst Road, South Croydon, Surrey, CR2 7EF

Local High Street Banks in Purley

Mortgage Broker in and around Purley

Our Purley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Croydon, Kenley, Coulsdon, Reedham, Riddlesdown, Winchmore Hill and Waddon.

Which banks are local to you?


  • Lloyds Bank Plc - 942 Brighton Rd, Purley CR8 2LP
  • Barclays Bank Plc - 953 Brighton Rd, Purley CR8 2YH
  • Santander Bank Plc - 938 Brighton Rd, Purley CR8 2LP

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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.

Purley Mortgage Broker Insider Tips

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.

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