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Our Mortgage Broker Guide to getting a mortgage in Rainham

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 Rainham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Clear debts first then save

The more overextended you are with debt, the lower your credit score will generally be. Interest rates paid on savings accounts is invariably less than is charged for debts owed.

It therefore makes sense to draw down your savings to clear as much of your debt as you can. In doing so, you will also increase your credit score making any future credit debt you take on cheaper to service.

Fixed Rate Mortgage

A fixed rate mortgage involves you agreeing with your lender to pay a fixed interest rate on your mortgage loan for a fixed period of time, which is normally 2, 3, 5 or 10 years.

Although the interest rate may initially be slightly higher than what you are quoted for a variable rate mortgage, you gain from the security of knowing exactly what you'll be paying out each month. This is more likely to suit the lower risk profile of a first time buyer because they can budget for the sum and, as long as there aren't any unforeseen drastic occurrences such as unemployment, they can be assured that they'll be able to make their mortgage repayments.
With a fixed rate mortgage, when the fixed term finishes, the mortgage is converted to a variable rate mortgage which varies with the lender's standard variable rate (SVR). At this point, a mortgagor can either opt to stay on the SVR mortgage or organise a new fixed rate. If they leave before the fixed term has elapsed, they face having to pay a very large early repayment charge.


Rainham is a town in East London, forming part of Havering Borough as well as Dagenham and Rainham parliamentary constituency, and is close to Hornchurch, which has many cultural diversions, whose urban district it used to be part of. It is also close to Romford, which offers many entertainments.

Rainham Hall is a popular local house and attraction with grounds; it's a beautiful Grade II-listed Georgian building and hosts excellent art and collections. Bird lovers also often come to the Rainham Marshes Nature Reserve, which has a bird sanctuary and modern visitor centre.

RM13 9TH

Property Price Stats for Rainham


Average property price in Rainham £269,548
% Change compared to last year 8%
Population of Rainham 6,394 (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 Rainham - Recently Completed

  • Upminster Road South, Rainham, Essex, RM13 9AX
  • 13 Kelvedon Walk, Rainham, RM13 7XD
  • 32 The Glen, Rainham, Essex, RM13 9NU
  • Flat 10, Greengage Court, Broadis Way, Rainham, Essex, RM13 8GY
  • 35b Betterton Road, Rainham, Essex, RM13 8NA

Local High Street Banks in Rainham

Mortgage Broker in and around Rainham

Our Rainham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dagenham, Purfleet, Barking, Elm Park, Hornchurch, Hazelwood and Aveley.

Which banks are local to you?


  • Barclays Bank Plc - 29/31 Upminster Rd S, Rainham RM13 9YR
  • Lloyds Bank Plc - 49-53 High St, Rainham, Gillingham ME8 7HT
  • Nationwide Building Society - 79-81 High St, Rainham, Gillingham ME8 7HS

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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 Rainham 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.

Rainham Mortgage Broker Insider Tips

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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