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Our Mortgage Broker Guide to getting a mortgage in Shirley

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 Shirley Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Avoid payday loans if at all possible

Payday loans are short term loans with much higher APRs than would be applied to a regular bank loan – the charge for borrowing the money is very expensive. Taking up a payday loan can cause a mortgage application to be rejected automatically.

Mortgage underwriters often reject applicants who have taken up payday loans because they see this as evidence of poor money management.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage; their interest rate tracks another rate which is predominantly the Bank of England base rate.,/div>

These types of mortgage are best to opt for if you understand the potential risks involved. Any variable rate mortgage can see repayments going up as well as down meaning that while there is a potential to gain from falling payments, there is also clearly the potential to lose and you should ensure that your finances are flexible enough to accommodate a rate rise.


Shirley is a predominantly residential area of south east London, very close to Croydon and around 10 miles south south-east of the capital's centre. It has many very agreeable green spaces within easy reach.

Attractions include the Shirley Windmill and Shirley Park, which has features such as a children's play area, a skateboard area, outdoor gym equipment and an area for playing basketball and football.

CR0 8PX

Property Price Stats for Shirley


Average property price in Shirley £385,067
% Change compared to last year 5%
Population of Shirley 14,296 (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 Shirley - Recently Completed

  • Girton Gardens, Shirley, Croydon, CR0 8PX
  • 41 Shirley Way, Shirley, Croydon, CR0 8PJ
  • 12 Mill View Gardens, Shirley, Croydon, CR0 5HW
  • 27 Addisons Close, Shirley CR0 8DX
  • 28 West Way, Shirley, Croydon, CR0 8RB

Local High Street Banks in Shirley

Mortgage Broker in and around Shirley

Our Shirley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Addiscombe, Lloyd Park, Addington, Monks Orchard, Belmont, Woodside and New Addington.

Which banks are local to you?


  • Barclays - 341 Lower Addiscombe Rd, Addiscombe, Croydon CR0 6RG
  • Natwest - 209-213 Lower Addiscombe Rd, Croydon CR0 6RB
  • Barclays - 47 High St, West Wickham BR4 0NP

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

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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

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Shirley Mortgage Broker Insider Tips

One thing you can do for fast conveyancing in Shirley is to opt for Monday as your completion date, when you get your keys and move into your new place.

Understandably, Fridays are the most popular days for completions - people then have the whole weekend to make their new place as shipshape as possible before going back to work on Monday. The trouble is, there's a fair chance that your conveyancing solicitor may well have other completions to do on Fridays and will be very busy already.

Therefore if you decide to opt for a Monday for completion - or indeed, just not a Friday! - your solicitor is more likely to be less busy and therefore more able to 'pull out all the stops' to help you to complete quickly, making sure all the transfers are carried out and so on.

So for a fast conveyancing move think about completing Monday to Thursday!

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