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Our Mortgage Broker Guide to getting a mortgage in South London

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 South London Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Start by checking all your credit scores

You won't know how lending organisations view you as a credit risk unless you check what score you've been given by the 3 main reference agencies.

If there are any mistakes, you can apply to them to correct them and if you have to take action to improve your situation, then you'll know to do so. You should recheck your credit scores at regular intervals and particularly before you try to take out a large loan.

Variable Rate Mortgage

Variable rate mortgages are mortgage loans where the interest rate payable on the loan can go up or down because it moves along with an underlying index, most commonly the Bank of England base rate (although your lender may have the right to change the rate autonomously, without there being any change in the base rate).

Often, the initial interest rate charged on this kind of mortgage can be cheaper than that offered in a fixed rate mortgage, however this is subject to change. One plus of a variable rate mortgage is that you can leave it at any time without charge; in comparison, early repayment charges levied for leaving a fixed interest mortgage are very high.


South London is the southern part of London and includes these London boroughs - Bexley, Bromley, Croydon, Greenwich, Kingston, Lambeth, Lewisham, Merton, Richmond, Southwark, Sutton and Wandsworth. It is easiest understood by including all of Greater London which is south of the River Thames (and excluding anything north of it).

Iconic landmarks include the facade - and particularly cooling towers - of Battersea's disused power station. The world's first public railway was opened in 1803 and ran between Croydon and Wandsworth. Open spaces include Wandsworth Common, Streatham Common, Wimbledon Common and Richmond Park. Bordering counties are Kent and Surrey, with North London to the north of the River Thames.

SW15 2TR

Property Price Stats for South London


Average property price in South London £481,797
% Change compared to last year 9%
Population of South London 2,900,000 (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 South London - Recently Completed

  • Upper Richmond Road, London SW15 2TR
  • 232a Merton Rd, Wimbledon, London, SW19 1EQ
  • 11 Fitzwilliam Road, Clapham, London, SW4 0BW
  • 5 Peckford Place, Brixton, London SW9 7BS
  • 79 Pullman Court, Streatham Hill, London, SW2 4ST

Local High Street Banks in South London

Mortgage Broker in and around South London

Our South London mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Woking, East Horsley, Sevenoaks, Oxted, Redhill, Wickham and Great Bookham.

Which banks are local to you?


  • TSB - 12-13 Clapham Common South Side, London SW4 7AD
  • Natwest - 358 S Lambeth Rd, London SW8 1UG
  • HSBC - 512 Brixton Rd, Brixton, London SW9 8ER

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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 South London

Mortgage Brokers South London offering free first consultation (terms apply).

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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

South London Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in South London.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

Click to order your Property Searches
Conveyancing Process
FREE Online Conveyancing Process for Buyers

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