Proud of our Reviews
SAM Conveyancing Reviews
calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Reading

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 Reading Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Hold off applying for credit until old issues have expired

Bankruptcy and county court judgments stay on your file for six years and data about applications for a year.

It's therefore worth leaving applications until problems such as these have been removed from your file to boost your chances of success.

Discount Mortgage

Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.

The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.


Reading is a large town in Berkshire. It combines excellent shopping and great leisure options with many housing choices. It hosts the University of Reading, the annual Reading Festival (in Little John's Farm on Richfield Avenue) and a number of prominent theatres including the Hexagon. The town also has 5 Grade I listed buildings including Reading Abbey and Greyfriars Church.

RG2 7QA

Property Price Stats for Reading


Average property price in Reading £320,386
% Change compared to last year 13%
Population of Reading 155,700


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 Reading - Recently Completed

  • Kentwood Hill, Tilehurst, Reading, RG31 6DL
  • Matlock Road, Caversham Heights, Reading, Berkshire, RG4 7BS
  • Rotherfield Way, Reading, Berkshire, RG4 8PJ
  • Stanbury Gate, Spencers Wood, Reading, RG7 1SR
  • Birdhill Avenue, Reading, RG2 7JU

Local High Street Banks in Reading

Mortgage Broker in and around Reading

Our Reading mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Earley, Newbury, Twyford, Wokingham, Pangbourne, Caversham and Bracknell.

Which banks are local to you?


  • HSBC Bank Plc - 26 Broad St, Reading RG1 2BU
  • Metro Bank Plc - Broad Street Mall, 201 Broad St, Reading RG1 7QA
  • Nationwide Building Society - 1 Station Rd, Reading RG1 1LG

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
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 Reading

Mortgage Brokers Reading 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.

Reading Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Reading from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Reading is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

Click to get your FREE RICS Building Survey Quote*
*RICS Surveyors – Local Knowledge – Same Week Availability
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.