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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
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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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Redhill Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Redhill, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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