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Our Mortgage Broker Guide to getting a mortgage in Southall

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 Southall Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't use unauthorised overdraft facilities

If you've set up an authorised overdraft facility with a bank, don't exceed your limit. Fees and interest charged on unauthorised overdrafts are generally extortionate and can damage your credit rating.

You should either restrict your outgoings to keep within your limit or, if you have to, find a cheaper source of finance, such as a loan.

Family Offset Mortgage

These mortgages, which are a type of offset mortgage, typically involve family members placing their savings into an account linked the mortgagor's mortgage, and their savings interest is deducted from the mortgage interest, making the mortgage cheaper.

The lender often requires that the savings are 'locked in' for some considerable time (can be many years) until, for example, 75% of the mortgage is paid off. During this time, the family members cannot use the savings interest as income at all – it is tied in to being deducted from the mortgage.


Southall is a district of West London in Ealing Borough. It has a vibrant community with an ethnically diverse population. It is around 10 miles west of Central London.

Southall's main high street has many boutiques, selling diverse goods and there are many cafes and restaurants. It hosts the Gurdwara Sri Guru Singh Sabha, revered among Sikhs, and it has the charming Norwood Green enclave, which has a village feel and an excellent pub in The Plough.

UB1 1PY

Property Price Stats for Southall


Average property price in Southall £312,936
% Change compared to last year 11%
Population of Southall 69,857 (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 Southall - Recently Completed

  • Kingsbridge Road, Southall, UB2 5RT
  • 40 Park View road, Southall, Middx, UB1 3HJ
  • 13 Deck Court, The Boat Yard, Tentelow Lane, Southall Middx, UB2 4FD
  • 5 Sangam Close, Southall, UB2 5JB
  • 40 Lancaster Road, Southall, Middlesex, UB1 1NW

Local High Street Banks in Southall

Mortgage Broker in and around Southall

Our Southall mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hayes, Hanwell, Greenford, Norwood Green, North Hyde, Hayes and Dormer's Wells.

Which banks are local to you?


  • Lloyds Bank Plc - 25 The Broadway, Southall UB1 1JT
  • Metro Bank Plc - 8, Hayes Bridge Retail Park, Uxbridge Rd, Southall UB4 0RH
  • Natwest Bank Plc - 69 The Broadway, Southall UB1 1LD

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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 Southall

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

Access Mortgage Providers Quickly

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

Southall Mortgage Broker Insider Tips

Choose conveyancing solicitors who balance their work well

Conveyancing solicitors look after the needs of many clients and if they take on too many clients, they will be unable to give adequate service to all of them particularly in matters of communication and it's more likely that mistakes will be made.

SAM Conveyancing carefully balance the workloads of the solicitors we use to ensure that you receive the optimum level of client care when you move home. We also only employ Conveyancing Quality Scheme (CQS) solicitors, so you can relax secure in this knowledge when you choose us.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote
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Conveyancing Process
FREE Online Conveyancing Process for Buyers

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.