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Our Mortgage Broker Guide to getting a mortgage in Sidcup

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 Sidcup Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Stability helps applications for credit

Lenders tend to favour apparent stability when it comes to granting credit. So staying at the same address (particularly if you are a homeowner rather than a renter), working at the same place and banking at the same bank tend to help.

Consistency in applications, particularly over a long period, helps, such as using the same or similar job title and keeping the same phone number and email address.

Lifetime Mortgage

A lifetime mortgage is a type of equity release and is a long term loan secured on a property, where the amount borrowed depends on the age of the applicant and the value of their property.

It differs from a standard mortgage because the borrower doesn't have to make any repayments at all before the end of the plan.


Sidcup is a district in south-east London, in Bexley Borough, around 11 miles from the capital's centre. Its housing stock includes Victorian, Edwardian and period houses as well as more modern stock.

Two landmarks are Sidcup Manor House and the Victorian Manor House, both of which have intriguing architecture. It has many shopping parades as well as well-established supermarkets. Sidcup Family Golf is a dream for adults who like golf and would like to share the fun with their children - this attraction is on the Sidcup By Pass in Chislehurst, within easy reach.

DA14 4RQ

Property Price Stats for Sidcup


Average property price in Sidcup £341,095
% Change compared to last year 12%
Population of Sidcup 10,844 (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 Sidcup - Recently Completed

  • 36 Royal Road, Sidcup, Greater London DA14 4RQ
  • 19 The Chevenings, Sidcup, Kent, DA14 4LA
  • 45 Hurst Road, Sidcup, DA15 9AE
  • 39 Haddon Grove, Sidcup DA15 8NA
  • 29 Larch Grove, The Hollies, Sidcup, Greater London. DA15 8WQ

Local High Street Banks in Sidcup

Mortgage Broker in and around Sidcup

Our Sidcup mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Foots Cray, Chislehurst, St Mary Cray, New Eltham, Albany Park, Totton and Falconwood.

Which banks are local to you?


  • Lloyds Bank Plc - 60 High St, Sidcup DA14 6EJ
  • Barclays Bank Plc - 91 High St, Sidcup DA14 6DH
  • Halifax Bank Plc - 66/, 68 High St, Sidcup DA14 6DS

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Sidcup 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 Sidcup.

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!

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process

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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.