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Our Mortgage Broker Guide to getting a mortgage in Reigate

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 Reigate Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Avoid payday loans if at all possible

Payday loans are short term loans with much higher APRs than would be applied to a regular bank loan – the charge for borrowing the money is very expensive. Taking up a payday loan can cause a mortgage application to be rejected automatically.

Mortgage underwriters often reject applicants who have taken up payday loans because they see this as evidence of poor money management.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage; their interest rate tracks another rate which is predominantly the Bank of England base rate.,/div>

These types of mortgage are best to opt for if you understand the potential risks involved. Any variable rate mortgage can see repayments going up as well as down meaning that while there is a potential to gain from falling payments, there is also clearly the potential to lose and you should ensure that your finances are flexible enough to accommodate a rate rise.


Reigate is a market town in Surrey County. It has the remains of a medieval castle, Reigate Castle, originally built in the 12th century, on which a mock medieval gateway was built in 1777 and it has pretty gardens. The nearest towns are Redhill and Crawley.

Reigate Caves in tunnel road are well worth a visit - these caves were used in World War 2 and there are exhibitions about their full history. Priory Park is an excellent green open space and beautiful park for outdoor activities.

RH2 9AB

Property Price Stats for Reigate


Average property price in Reigate £508,900
% Change compared to last year 15%
Population of Reigate 21,820


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 Reigate - Recently Completed

  • High Street, Reigate, Surrey, RH2 9AB
  • 63 New North Road, Reigate, Surrey, RH2 8LZ
  • 63 New North Road, Reigate, Surrey, RH2 8LZ
  • 83 Linkfield Street, Redhill, Surrey, RH1 6BY
  • 17 Boleyn Court, St Annes Rise, Redhill, Surrey, RH1 1AD

Local High Street Banks in Reigate

Mortgage Broker in and around Reigate

Our Reigate mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Redhill, Dorking, Lower Kingswood, White Bushes, Merstham, Rush Green and Betchford.

Which banks are local to you?


  • Lloyds Bank Plc - 4 High St, Reigate RH2 9BG
  • Natwest Bank Plc - 21 High St, Reigate RH2 9AD
  • Nationwide Building Society - 78 High St, Reigate RH2 9ET

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Reigate Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in Reigate.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

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