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Our Mortgage Broker Guide to getting a mortgage in Redhill

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 Redhill 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.


Redhill is a town in Surrey County, adjoining Reigate town to the west. It serves as the main commercial and entertainment area for three adjoining towns - Merstham, Earlswood and Whitebushes.

Priory Farm in Sandy Lane is popular with locals - it is essentially a garden centre but there's excellent food, a secure kids play area and plenty of things for kids to do. The Harlequin Theatre is also popular; events include comedy, music, drama, family and variety shows.

RH1 1SA

Property Price Stats for Redhill


Average property price in Redhill £325,406
% Change compared to last year 8%
Population of Redhill 18,163 (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 Redhill - Recently Completed

  • Delabore Road, Merstham, Redhill, Surrey, RH13PB
  • Flat 18, Cromwell Place, 144-146 Station Road, Redhill, Surrey, RH1 1EX
  • 85 Colman Way, Redhill, Surrey, RH1 2BB
  • 17 Boleyn Court, St Annes Rise, Redhill, Surrey, RH1 1AD
  • Station Rd, Redhill, Brighton, Surrey RH1 1SA

Local High Street Banks in Redhill

Mortgage Broker in and around Redhill

Our Redhill mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Reigate, Merstham, Earlswood, Nutfield, South Nutfield, Sidlow and White Bushes.

Which banks are local to you?


  • Barclays Bank Plc - 80/, 84 Station Rd, Redhill RH1 1PW
  • Lloyds Bank Plc - 1 London Rd, Redhill RH1 1ND
  • Natwest Bank Plc - 39 Station Rd, Redhill RH1 1QN

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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.

Redhill Mortgage Broker Insider Tips

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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