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Our Mortgage Broker Guide to getting a mortgage in St Leonards-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 St Leonards-on-Sea Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay off debts with savings

Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.

It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.

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.


St Leonards-on-Sea is an affluent, self-contained coastal town which lies to the west of central Hastings in Hastings Borough in East Sussex. Landmarks and attractions include Warrior Square Gardens, Gensing Gardens and Kino-Teatr, a truly fascinating space in Norman Road offering cinema, live performances and an excellent gallery.

TN37 6PX

Property Price Stats for St Leonards-on-Sea


Average property price in St Leonards-on-Sea £189,424
% Change compared to last year 8%
Population of St Leonards-on-Sea 10,001


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 Leonards-on-Sea - Recently Completed

  • Vale Rd, St Leonards-on-Sea, East Sussex, TN37 6PX
  • 31 Perth Rd, St Leonards-on-Sea, TN37 7EQ
  • 23 St Peters Road, St Leonards-on-Sea, TN37 6JG
  • 13 Eversley Rd, St Leonards-on-Sea, TN37 6QD
  • 7 Braybrooke Close, Hastings, TN34 1TB

Local High Street Banks in St Leonards-on-Sea

Mortgage Broker in and around St Leonards-on-Sea

Our St Leonards-on-Sea mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hastings, Bulverhythe, Bexhill, Crowhurst, Hooe, Roxton and Catsfield.

Which banks are local to you?


  • Barclays - 2-6 Sedlescombe Rd N, Saint Leonards-on-sea TN37 7DQ
  • Nationwide Building Society - 40 London Rd, Saint Leonards-on-sea TN37 6AN
  • Lloyds - 395-397 London Rd, Hastings, Saint Leonards-on-sea TN37 6PH

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St Leonards-on-Sea Mortgage Broker Insider Tips

Get your buildings insurance sorted in time for exchange of contracts!

According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.

You should therefore plan for this in advance and organise your buildings insurance to start on the day you exchange. Click if you wish to get a buildings insurance quote.

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