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Our Mortgage Broker Guide to getting a mortgage in Richmond

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 Richmond Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Do not apply for many loans or credit cards at the same time

Credit agencies view this behaviour as a red flag because it makes you look like you are desperate for money.

Your credit score may well be downgraded as a result.

First time buyer mortgage

First time buyer mortgages are those which are constructed to appeal particularly to those buying homes for the first time. Some lenders provide incentives such as cashback – a cash lump sum when you've just moved in is perhaps more likely to be attractive to a first time buyer who might have less property etc. than a home mover who has much of the fixtures and fittings to put in place in their new home already bought over the years.

Fixed term mortgages are another example of a device which can be very marketable towards first time buyers. They take these out to have the security of knowing exactly how much they'll need each month to make their repayments. They have to remember to organise a new fixed term when the initial one expires to avoid going on a lender's standard variable rate, but the incentive of saving cash through organising this, perhaps by selecting a new mortgage provider, is arguably likely to appeal as well.


Richmond is a beautiful, affluent suburban town in southwest London, around 8 miles from London's centre. It is a very historic area with many types of period housing and blissful, scenic views, well used by local pubs and restaurants, of the River Thames which runs through it. Attractions, among very many, include Ham House on Ham Street, an incredible 17th century house with a beautiful garden and cafe as well as Richmond Theatre on Little Green, a late Victorian building which hosts a variety of performances.

TW9 1UF

Property Price Stats for Richmond


Average property price in Richmond £890,753
% Change compared to last year 7%
Population of Richmond 214,114


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 Richmond - Recently Completed

  • Cedar Terrace, Richmond, Surrey, TW9 2BY
  • Flat 19, Kew Court, Richmond Road, Kingston Upon Thames, Surrey, KT2 5DF
  • 140 Lower Morlake Road, Richmond, Surrey, TW9 2LJ
  • 21 Northumbria Court, 6 Sheen Road, Richmond, Surrey TW9 1AE
  • 7 Sheridan Road, Richmond, Surrey, TW10 7NH

Local High Street Banks in Richmond

Mortgage Broker in and around Richmond

Our Richmond mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kingston Upon Thames, Twickenham, Kew, Wimbledon, Barnes, Strawberry Hill and Brentford.

Which banks are local to you?


  • Barclays Bank Plc - 8 George St, Richmond TW9 1JU
  • HSBC Bank Plc - 67 George St, Richmond TW9 1HG
  • Lloyds Bank Plc - 19-21 The Quadrant, Richmond TW9 1BP

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

Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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 Richmond

Mortgage Brokers Richmond 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.

Book a Free Mortgage Broker Consultation

Richmond 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.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote
*Fixed Fee – No Sale No Fee – On all Major Lender Panels
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.