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Our Mortgage Broker Guide to getting a mortgage in Rotherhithe

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 Rotherhithe Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Defaults, Bankruptcy Orders and County Court Judgments (CCJs)

These do affect your credit score negatively and can stay on your file for 6 years, but when this period has elapsed they no longer affect your score.

You are well advised to wait until the time period has elapsed because if you apply for credit and are refused, this will further lower your credit score.

Guarantor Mortgage

Guarantor mortgages involve a third party, normally a family member or close associate, agreeing to guarantee that a mortgage applicant will make the correct, timely repayments for a mortgage loan granted.

The guarantee normally has to be backed up by the third party offering their own property as collateral or, for example, giving control of a large savings account to the lender. If the mortgagor defaults on repayments, then the lender can look to make up any shortfalls by extracting these from the third party, potentially putting the third party's home, or savings, at risk.

If the mortgagor makes the correct repayments however, the guarantor will not lose anything and will not have to pay anything over.


Rotherhithe is a residential district east of London and is in Southwark Borough, around 4 miles east south-east of the capital's centre. It previously had a long history as a port but has been extensively redeveloped with relatively upmarket housing, with warehouse conversions and new build developments and is very popular with commuters working in Central London.

Landmarks include Severn Islands Leisure Centre, built on the site of the old town hall and St Mary's Parish Church. Street names here after often evocative of the area's past use, such as Russia Dock Road, for example.

SE16 5ES

Property Price Stats for Rotherhithe


Average property price in Rotherhithe £486,962
% Change compared to last year 8%
Population of Rotherhithe 13,743 (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 Rotherhithe - Recently Completed

  • 42 Canada Wharf, 255 Rotherhithe Street, Rotherhithe, London SE16 5ES
  • Plot 12, Lock House, Tavern Quay, Rope Street, Rotherhithe, London SE16 7TX
  • Flat 4, Walter Langley Court, 14 Brunel Road, Rotherhithe, London SE16 7HT
  • 501 Baltic Quay, 1 Sweaden Gate, London SE16 7TL
  • 142 Lower Rd, Rotherhithe, London SE16 2UG

Local High Street Banks in Rotherhithe

Mortgage Broker in and around Rotherhithe

Our Rotherhithe mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Canary Wharf, Wapping, Bermondsey, Limehouse, Shadwell, Deptford and New Cross.

Which banks are local to you?


  • HSBC - Surrey Quays Shopping Centre, Redriff Road, London SE16 7LL
  • Halifax - Surrey Quays Shopping Centre, Redriff Road, London SE16 7LL
  • Barclays - 1 Plough Way, Rotherhithe, London SE16 2LS

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Rotherhithe Mortgage Broker Insider Tips

By getting all of your signed documentation in to your solicitor in advance, you will get a better chance at a quick conveyancing process in Rotherhithe.

Until your solicitor has your mortgage deed, signed contract, transfer deed, ID and other relevant documentation, they will not be able to exchange. This is not helped by the fact that some documents must be posted.

If this is the case, send as much correspondence as you can in one go and always do so via recorded delivery. This way, you can track the documents, find out when they were received and who signed for them. Lost documents can slow down the process and be very frustrating for all, especially if you have to wait for replacements for originals!

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