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Our Mortgage Broker Guide to getting a mortgage in Staines

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 Staines Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a Credit Card

A credit scoring agency needs for you to have a credit in order for them to score you. Get a credit card, use it and pay it off in full. You must pay it off in full, otherwise you will worsen your credit score. Your credit report will start to show a credit where you borrow money and pay it off –this is exactly what mortgage lenders want to see.

Remember, use it and pay it off every month, otherwise this won’t work. If you have struggled getting a credit card before, go to a company that offers credit cards to people with bad credit rating. The interest rate will be through the room, but don’t worry, because you are paying off the balance every month you won’t incur any interest penalties.

Fixed Rate Mortgage

This type of mortgage loan involves repayments being fixed at a certain agreed interest rate for a set term with no adjustments. Their advantage is that a mortgagor knows exactly what has to be repaid each month for a set period and will be unaffected by for example sudden changes in the Bank of England base rate (which may or may not be to the advantage of the mortgagor).

Typically, the fixed period is 2 years, 3 years, 5 years or 10 years. When the fixed term has expired, these mortgages normally change to variable rate mortgages, where the repayments can float (go up or down) because the rate moves when an underlying index – most normally the Bank of England base rate – moves. When the fixed term ends, the mortgagor can opt renew a fixed rate contract.


Staines is a pleasant town on the River Thames 17 miles west south-west of Central London. The River Thames flows through Staines allowing for walks all the way through to Richmond and London. Other attractions include The Lino Statue found on the High Street, Staines Bridge across the Thames and the very large Vue cinema complex situated on Mustard Mill Road.

TW18 4PJ

Property Price Stats for Staines


Average property price in Staines £330,277
% Change compared to last year 11%
Population of Staines 7,861


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 Staines - Recently Completed

  • Aspen Close, Staines upon Thames, Middx, TW18 4SW
  • St Olaves Close, Staines, Middlesex TW18 2LH
  • Guildford Street, Staines, Middlesex, TW18 2EQ
  • Nuthatch Close, Staines upon Thames, Middlesex,TW19 7BN
  • The Doultons, Octavia Way, Staines upon Thames, Middx, TW18 2QX

Local High Street Banks in Staines

Mortgage Broker in and around Staines

Our Staines mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Egham, Wraysbury, Thorpe, Virginia Water, Chertsey, Feltham and Ashford.

Which banks are local to you?


  • Nationwide Building Society - 5/7 William Street, Windsor, SL4 1ED
  • Santander Bank Plc - 97 Peascod Street, Windsor, Berkshire, SL4 1AZ
  • Halifax Bank Plc - 26 Peascod Street, Windsor, SL4 1DU

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Staines Mortgage Broker Insider Tips

Be in constant communication with your solicitor regarding your conveyancing in Staines.

Your solicitor will be working hard for you from the get go. If something unforeseen arises, you change your mind about the property, a bereavement means you are unable to go ahead at this time and so on, inform your solicitor as soon as possible. 

By doing so, unnecessary and time-consuming work which later needs to be rectified can be avoided.

It also makes sure that all of your legal documents are accurate and the service you receive continues to be specifically tailored to your circumstances and needs.

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