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Our Mortgage Broker Guide to getting a mortgage in St John's Wood

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 St John's Wood Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your main 3 credit scores

There are currently 3 main credit reference agencies, namely Equifax, Experian and Callcredit. Each one can hold slightly different information about you and has a different algorithm for calculating your credit score.

By checking the files of all 3 companies, you can ensure you eradicate any mistakes and best inform yourself of the likelihood that your application for a loan, for example a mortgage, will be accepted.

Repayment Mortgage

If you are a residential home buyer buying with a mortgage, you will be taking out this kind of mortgage (interest-only mortgages can only be accessed by commercial buyers).

With a repayment mortgage, over the mortgage term – most often 25 years – you make monthly payments with part going towards paying off the interest on the loan and part going towards paying off the capital. As the term progresses and you pay more of the capital off, the interest element becomes smaller so more of your payment goes towards paying down the capital.

If you make all your monthly payments, you will have paid off the mortgage entirely by the end of the term and will then hold the full equity of your property yourself.


St Johns Wood is an upmarket district in the north west of Central London. It has excellent boutiques in its streets and is the location of Lords Cricket Ground. It is a very short walk to Primrose Hill, which gives excellent views over London and is also close to Regent's Park, which contains London Zoo and Camden, world-famous for its markets and its entertainments and nightlife. Hampstead, with its Heath, is not far to the north.

NW6 1PJ

Property Price Stats for St John's Wood


Average property price in St John's Wood £1,605,107
% Change compared to last year 19%
Population of St John's Wood 27,997 (2001)


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 St John's Wood - Recently Completed

  • Nexus Court, Malvern Street, Maida Vale, London, NW6 5AT
  • Flat 3, 15 Kingdom Road, West Hampstead, London, NW6 1PJ
  • Flat 16 Beechworth, Willesden Lane, London, NW6 7YZ
  • Flat 16 Beechworth, Willesden Lane, London, NW6 7YZ
  • Flat 6, Somerset House, 31 Dartmouth Park Hill, London NW5 1HR

Local High Street Banks in St John's Wood

Mortgage Broker in and around St John's Wood

Our St John's Wood mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including South Hampstead, Primrose Hill, Lisson Grove, Regent's Park, Maida Vale, Newbury Park and Kilburn.

Which banks are local to you?


  • Barclays Bank Plc - 40 Wellington Rd, St John's Wood, London NW8 9TJ
  • Santander Bank Plc - 388-390 Edgware Rd, Marylebone, London W2 1DR
  • Lloyds Bank Plc - 185 Baker St, Marylebone, London NW1 6XB

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers St John's Wood 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.

St John's Wood Mortgage Broker Insider Tips

Be wary of going on holiday

You should consider avoiding going on holiday until your conveyancing is finished, even if you instruct your solicitor to progress things in your absence.

You may have to take a particular decision, find out some information or carry out some other action resulting from your conveyancing. This may become very complicated if you are abroad. All of this can lead to delays.

At the very least, you should ensure that you've already provided your solicitor with your proof of ID & proof of funds and that they know you are away, when you are coming back and how to contact you.
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