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Our Mortgage Broker Guide to getting a mortgage in Stockport

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 Stockport Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Lower your credit utilisation ratio

The credit utilisation ratio is how much credit you've taken up as a portion of how much credit you've been offered. Your credit score will generally rise the lower this ratio is. As a general rule, you should always keep the ratio below 50% overall and considerably lower if possible.

If you have more than one credit card you should also be aware of the utilisation ratio overall and per card, because credit reference agencies take all the measure into account.

Capped Rate Mortgage

Capped rate mortgages are variable rate mortgages with an agreed cap on how high the rate – and therefore your repayments – can rise.

The rate can fall, meaning your payments become cheaper, and cannot rise above a certain agreed level, making it easy for you to budget and more predictable.

You should be very clear about whether you can afford to make the repayments at the level of the cap, which might be set quite high and the interest rates offered may be less competitive than for other variable and fixed rate mortgages.

Capped rate mortgages may also be for a particular fixed time period and if they are, you may have to pay a large sum if you choose to leave early.


Stockport is in Greater Manchester, around 7 miles south-east of Manchester town centre and the town is the largest in Stockport borough. Famous landmarks include the Stockport Viaduct (built 1840), Underbank Hall and Vernon Park.

You can visit Hat Works in Wellington Mill, which showcases Stockport's hat-making history and is the only museum devoted to this subject in the UK. For leisure, you can visit Bramall Hall, beautiful parkland with woods and trails, set around a Tudor manor house.

SK5 6GB

Property Price Stats for Stockport


Average property price in Stockport £179,840
% Change compared to last year 0%
Population of Stockport 283,300 (2011)


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 Stockport - Recently Completed

  • Cromwell Avenue, Stockport, SK5 6GB
  • 26 Prestbury Close, Stockport, SK2 7HW
  • Flat 2, 21 Victoria Grove, Heaton Chapel, Stockport, SK4 5BU
  • 37 Didsbury Road, Stockport, SK4 2BD
  • 6 Brooks Avenue, Hazel Grove, SK7 4EF

Local High Street Banks in Stockport

Mortgage Broker in and around Stockport

Our Stockport mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Cheadle, Cheadle Hulme, Bramhall, Hazel Grove, Bredbury, Felcourt and Parrs Wood.

Which banks are local to you?


  • HSBC - 5 Great Underbank, Stockport SK1 1LH
  • Co-op Bank - 1 St Peter's Square, Stockport SK1 1NX
  • Virgin Money - 16 Great Underbank, Stockport SK1 1LF

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Mortgage Brokers Stockport offering free first consultation (terms apply).

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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.

Stockport Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Stockport or not.

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