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Our Mortgage Broker Guide to getting a mortgage in Southend on Sea

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 Southend on Sea Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't hold and max out just one credit card

If you're close to maxing out the credit on the only credit card you hold, you'll be less able to respond, e.g., to an emergency – you might suddenly, for example, need to pay a mechanic to fix your car. This is a good reason to hold at least one other unused credit card.

You may also protect your credit score better: people who max out a single credit card are often regarded as being more likely to miss future repayments.

Current Account Mortgage

Current account mortgages are a version of offset mortgage where your current account and mortgage are converted to one account. The idea is that when you get paid, the credit reduces your mortgage sum, so mortgage repayments become cheaper, however the more of your pay you use, the more that the repayments rise to 'normal' levels.

The more your account is in credit, the more capital you'll pay off. You can't normally access discounted rates with this kind of mortgage.


Southend is a seaside town in Essex, north of the Thames estuary, 40 miles east of Central London and has the longest leisure pier in the world. It has its own airport (mainly domestic with some European flights) and its railway station gives good access to London, via Liverpool Street. It has great shopping, hosts festivals and its Focal Point Gallery is a great place to view visual artistry.

There are many attractions and landmarks in the locale. Two Tree Island is a wildlife nature reserve, Cliffs Pavilion is an arts venue with 2 theatres and panoramic dining and Hadleigh Castle is worth a visit - it's a 13th century ruined castle which overlooks the Thames estuary and the Essex marshes.

SS0 7LN

Property Price Stats for Southend on Sea


Average property price in Southend on Sea £236,671
% Change compared to last year 10%
Population of Southend on Sea 174,800


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 Southend on Sea - Recently Completed

  • Tintern Avenue, Amersham on the Hill, Southend on Sea, Essex, SS0 9QH
  • 36 Claremont Road, Westcliff-on-sea, Essex, SS0 7DZ
  • Top Floor Flat, 7 Devereux Road, Southend on Sea, Essex, SS1 1DR
  • Hamlet Ct Rd, Westcliff-on-Sea, Essex, SS0 7LN
  • Eastwood Rd N, Leigh-on-Sea, Essex, SS9 4LS

Local High Street Banks in Southend on Sea

Mortgage Broker in and around Southend on Sea

Our Southend on Sea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Rochford, Hadleigh, Hawkwell, Rayleigh, Great Wakering, Ongar and Paglesham.

Which banks are local to you?


  • Barclays Bank Plc - 127 High St, Southend-on-Sea SS1 1LH
  • Lloyds Bank Plc - 77 High St, Southend-on-Sea SS1 1HT
  • Metro Bank Plc - Victoria Business Centre, G19-G21 The 2NG, 208 London Rd, Southend-on-Sea SS1

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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.

Southend on Sea Mortgage Broker Insider Tips

By getting your signed documents to your solicitor as soon as possible, you can speed up the conveyancing process in Southend on Sea.

Exchange cannot happen until all of the relevant documentation has been received by the solicitor, including your signed contract, the transfer deed and mortgage deed. 

Sometimes only signed originals of documents can be accepted by your solicitor. Therefore make sure you stay on top of being organised and account for slow postal delivery.

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