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Our Mortgage Broker Guide to getting a mortgage in Rochester

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 Rochester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

You can get an online credit report free

Before you apply for a large loan, you should definitely find out how lenders are likely to view you for credit risk.

Remember that getting turned down for a loan negatively impacts your credit score. Also remember that there are 3 credit reference agencies that lenders check with; it's worth finding out how all 3 view you because they work out their scores differently.

Offset Mortgage

Offset mortgages can be fixed or variable rate, and involve a linked savings account where any interest which accrues is used to offset against the interest on the mortgage loan, making repayments cheaper.

You should always check the rates which accompany these mortgages to see how competitive they are and bear in mind that you will no longer be able to benefit from any income which comes about from the savings account.


Rochester is a historic city - it has a beautiful cathedral - and town in the Medway unitary authority in Kent in South East England and is around 29 miles east south-east of Central London. It is the location of the King's School, which is the second oldest continuously running school in the world. In addition to the cathedral, other landmarks include Rochester Castle and Gashouse Point.

ME1 2XF

Property Price Stats for Rochester


Average property price in Rochester £222,309
% Change compared to last year 9%
Population of Rochester ‎27,000 (2001)


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 Rochester - Recently Completed

  • 37 Exeter Walk, Rochester, Medway, ME1 2XF
  • 120 High St, Rochester ME1 1JT
  • 7 Beatty Road, Town Centre, Rochester ME1 2TG
  • 60 The Fairway, Rochester ME1 2LU
  • 31 North St, Rochester ME2 4SL

Local High Street Banks in Rochester

Mortgage Broker in and around Rochester

Our Rochester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chatham, Gillingham, Wainscott, Higham, Cuxton, Endon and Thong.

Which banks are local to you?


  • Lloyds - Abdication House, 69 High St, Rochester ME1 1LY
  • HSBC - 104 High St, Rochester ME2 4TS
  • Barclays - 86 High St, Rochester ME2 4AT

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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.

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FREE mortgage consultations for Rochester

Mortgage Brokers Rochester offering free first consultation (terms apply).

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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.

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Rochester Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Rochester or not.

Click to order your Property Searches
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.