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Our Mortgage Broker Guide to getting a mortgage in Redruth

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 Redruth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Remove unfair defaults on your file

Defaults can sometimes occur on your credit file because a company has reported a debt you still owe (which you may have disputed).

You must contact the company and ask for it to be removed, making it clear that you will contact the Financial Ombudsman if it isn't.

If contact with the company does not solve the problem, you can add a notice of correction to your file with a short explanation. It may slow applications down but it will help reduce the effects of the default.
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Your final recourse is to contact the Financial Ombudsman or, if your dispute is with an energy company, the Energy Ombudsman.

Family Deposit Mortgage

Family deposit mortgages typically involve a close associate, normally a family member, placing money into a linked special savings account which is used as security against a mortgagor not making repayments on the mortgage loan.

If the mortgagor does default, the lender can look to make good any shortfall by taking cash out of the account in question, which it controls. One incentive for the associate is that savings interest is payable on the account in question so if the mortgagor does manage to make the correct, timely repayments, then, beyond locking up cash for some years, the close associate will have helped the mortgagor to buy a home while gaining interest on their savings and for no other cost.


Redruth is a small commercial town in west Cornwall. Historically, Redruth was a small market town with a high demand of copper during the 18th century which made it one of the largest and richest mining areas in Britain.

There is a variety of places to visit within Redruth area including Carn Brea Castle and Heartlands Cornwall, which is a Cornish mining heritage site as well as Chapel Porth Beach, which is a sandy beach with cliffs and caves.

TR15 2AF

Property Price Stats for Redruth


Average property price in Redruth £168,706
% Change compared to last year 0%
Population of Redruth 14,018 (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 Redruth - Recently Completed

  • Green Ln, Redruth TR15 1JU
  • Rose Row, Redruth TR15 1LB
  • Claremont Rd, Redruth TR15 1LP
  • Ford's Row, Redruth TR15 1JS
  • Canfield Place, Plain-An-Gwarry, Redruth TR15 1JD

Local High Street Banks in Redruth

Mortgage Broker in and around Redruth

Our Redruth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Trewirgie, Trevingey, Pennance, Busveal, Tolgus Mount, Blowinghouse and Carn Brea Village.

Which banks are local to you?


  • Lloyds - 27 Fore St, Cornwall, Redruth TR15 2BJ
  • Nationwide Building Society - 22 Fore St, Redruth TR15 2AL
  • Halifax 20 Fore St, Redruth TR15 2BD

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Redruth Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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