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Our Mortgage Broker Guide to getting a mortgage in Stanmore

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 Stanmore Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Use payment reminders where possible if they help you

Many lenders offer payment reminders (using e.g. text messages and emails) to tell you when a payment date is approaching. These can help you to coordinate making the correct payments on time.

If the lenders offer an automatic payment facility, this may also be worth using although you should check whether the facility only makes the minimum payment as larger payments are the best way to pay down a debt more quickly!

Tracker Mortgage

Tracker mortgages are variable rate mortgages normally pitched at a few percentage points above the Bank of England base rate. Depending on the product, the tracking may be set for a fixed time period.

You might benefit over a fixed rate mortgage initially in terms of a cheaper interest rate although you would be betting on the rate not rising too much, in which case you would have to fork out more in repayment costs. For this reason, tracker mortgages might suit those with more room to manoeuvre financially and with a higher risk profile.

If there is a fixed tracking period, it is highly likely that if you want to leave before this period has expired that you'll have to pay a substantial early repayment charge.


Stanmore is an affluent predominantly residential suburb in northwest London, around 11 miles north-west of the capital's centre. Local landmarks include Stanmore Hill, one of the highest points in London, and Stanmore Park. There are many cafes, pubs and independent shops in the locale. Bentley Priory Museum is an excellent local museum in a beautiful historic house which saw time in the Battle of Britain as the headquarters of Fighter Command.

HA7 3PP

Property Price Stats for Stanmore


Average property price in Stanmore £641,480
% Change compared to last year 3%
Population of Stanmore 5,591 (2008)


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 Stanmore - Recently Completed

  • Drummond Drive, Stanmore, Middx, HA7 3PP
  • 1 Halsbury Close, Stanmore, HA7 3DY
  • 46 Everton Drive, Stanmore , HA7 1ED
  • Plot 42, 12 Colliford Court, 26 Farnsworth Drive, HA8 8FS
  • Flat 24 Flora Court, 25 Fortune Avenue, Edgware, HA8 0FL

Local High Street Banks in Stanmore

Mortgage Broker in and around Stanmore

Our Stanmore mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Elstree, Edgwarebury, Edgware, Canons Park, Belmont, Stotfold and Hatch End.

Which banks are local to you?


  • Barclays - 1 The Broadway, Stanmore HA7 4DB
  • Santander - 17 Church Rd, Stanmore HA7 4BW
  • Halifax - 70 The Broadway, Stanmore HA7 4DU

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Stanmore Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Stanmore, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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