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Our Mortgage Broker Guide to getting a mortgage in Ruislip

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 Ruislip Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Ask for your credit limit to be increased – but don't increase your borrowing!

One trick to increase your credit score is to get your credit limit increased but not take on any more borrowing. At a stroke, you look like a better risk because you will be using less of the credit available to you.

As a general rule, you should not be taking up more than 50% of the credit available to you on any one credit card; if your borrowings are a higher proportion of the credit available than this, you look more risky as a prospect because you look overextended: for this reason your credit score will be lowered.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Ruislip is a town is West London, about 16 miles from the capital's centre, pleasantly centred on an old village. It combines a cosy but thriving town centre with plenty of open spaces within easy reach. Ruislip Lido might be the most famous landmark in the area; it's a former reservoir put to a variety of uses, surrounded by lush parkland and with its own miniature railway.

Ruislip has its own curious folly - a lighthouse - and a perennial favourite is the Great Barn (Manor Farm, Bury Street), a 13th century tithe barn which hosts any number of markets and events.

HA4 9BH

Property Price Stats for Ruislip


Average property price in Ruislip £457,900
% Change compared to last year 14%
Population of Ruislip 31,000


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 Ruislip - Recently Completed

  • Hartland Drive, Ruislip, Middlesex, HA4 0TH
  • 24 Wyteleaf Close, Ruislip, Middlesex, HA4 7SP
  • 9 Hill Court, Newmarket Avenue, Ruislip, Middlesex, UB5 4EW
  • 21 Mahlon Avenue, South Ruislip, Middlesex, HA4 6SY
  • 98 Jubilee drive, Ruislip, Middlesex, HA4 0PU

Local High Street Banks in Ruislip

Mortgage Broker in and around Ruislip

Our Ruislip mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Uxbridge, Northwood, Ickenham, Pinner, Northolt, Eastcote Village and Yeading.

Which banks are local to you?


  • Lloyds Bank Plc - 82 High St, Ruislip HA4 7AB
  • Barclays Bank Plc - 54 High St, Ruislip HA4 7AT
  • Halifax Bank Plc - 61 High St, Ruislip HA4 7BD

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Ruislip Mortgage Broker Insider Tips

Get together all the required official paperwork you'll need for your conveyancing..

  • For ID purposes, you'll normally require an up-to-date passport and/or driving licence with a current home address.
  • You'll need to provide proof of funds; as an employee, you'll need at least the last 3 months' payslips and a P60; if you're self-employed, you'll need your SA302 from HMRC (you need to allow for a time lapse if you have to order this) or accounts covering the last 3 years.
  • If you're selling, you need any relevant documents detailing planning consents or building regulation approval and any guarantees for works or fittings and things like boiler safety certificates..

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