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Our Mortgage Broker Guide to getting a mortgage in Romford

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 Romford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a credit card – but use it responsibly

People who don't have credit cards tend to be regarded, all other things being equal, as a higher risk than someone who manages credit cards responsibly.

The key is to keep your credit to manageable levels, make your repayments on time and, to save yourself money, don't use your credit card as a cash card apart from in an emergency!

Tracker Mortgage

These are a type of variable rate mortgage and the interest rate varies according to another interest rate which it tracks – most often this is the Bank of England base rate – and is a few per cent higher than this. The arrangement normally lasts for a set time period, most often between 2 and 5 years.

You benefit by having cheaper repayments if the tracked rate falls and lose out if this rate rises. You should investigate to see if your lender can increase the rate even if the underlying rate doesn't change. You should also be wary if there are large repayment charges if you choose to leave the product before the end of the fixed period.


Romford, a large town in North East London about 14 miles from the capital's centre, forms one of the largest retail, leisure, commercial and enterprise districts outside London. Romford Greyhound Stadium in London Road is one the few remaining dog racing tracks in London.

Romford also hosts a very pretty boutique theatre - The Brookside Theatre - in Eastern Road which hosts a variety of productions and you are on the doorstep of Epping Forest for many different outdoor leisure activities.

RM7 8HR

Property Price Stats for Romford


Average property price in Romford £297,751
% Change compared to last year 15%
Population of Romford 36,500 (2005)


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 Romford - Recently Completed

  • Orchard Road, Romford, Greater London RM7 8HR
  • 34 Nayland Court, Market Place, Romford, Greater London, RM1 3EF
  • 4 Kynance Close, Romford, Greater London, RM3 7LB
  • 29 Birch Court, Sherman Gardens, Romford, RM6 4AP
  • 154 Marks Rd, Romford, Greater London, RM7 7AL

Local High Street Banks in Romford

Mortgage Broker in and around Romford

Our Romford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hornchurch, Chadwell Heath, Havering-atte-Bowe, Hainault, Fairlop, Upney and Dagenham.

Which banks are local to you?


  • Metro Bank Plc - Brewery Walk, Waterloo Road, Romford RM1 1AU
  • Barclays Bank Plc - 36/38 South Street, Romford RM1 1RH
  • Lloyds Bank Plc - 1-3 Market Pl, Romford RM1 3AA

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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.

Best Mortgage Advisors

FREE mortgage consultations for Romford

Mortgage Brokers Romford 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

Romford Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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