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Our Mortgage Broker Guide to getting a mortgage in Stockwell

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 Stockwell Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Only apply for credit which you are likely to be granted

You should be realistic about applying for credit in terms of whether you are likely to be successful in applying for it. The best preparation is to find out what your recent credit score is and to check your recent credit report.

Every time you fail in an application for credit, it negatively impacts your credit score – it's worth waiting 3 months after a failed application before you apply for credit again.

Fixed Rate Mortgage

Your repayments for a fixed rate mortgage are calculated according to an agreed interest rate charged on your loan and the terms operate for an agreed fixed period.

People take up this kind of mortgage because it means the repayment you make is the same each month for the period of the fix, which offers security and peace of mind in an uncertain world. If the Bank of England were suddenly to raise its rates, you would gain by not having to increase your repayment sums, for example.

The interest rate may be more expensive, however, than a variable rate offered at the start of the fixed period. Additionally, if you wish to leave the arrangement, you normally have to pay a very large early repayment charge to your lender. However, when you come to the end of the fixed period, you can then set up another fixed term – you could approach another lender offering a more competitive rate for this – or you can opt to stay on the lender's standard variable rate (SVR) where payments can move up and down but you can change out of this at any time without penalty.


Stockwell is a district less than 3 miles south of Central London which occasionally offers some relative bargains, property-wise. Brixton is a stone's throw away, offering its vibrant entertainment and nightlife scene, such as the Brixton Academy, Jamm, the 414 Club and the Dogstar and Clapham is equally close, with its great cafes, restaurants and pubs and its pleasant green space, Clapham Common. Nearby Kennington is where the world famous Oval Cricket Ground is located.

SW9 9BE

Property Price Stats for Stockwell


Average property price in Stockwell £649,086
% Change compared to last year 8%
Population of Stockwell 14,777 (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 Stockwell - Recently Completed

  • Atlantic Road, Brixton, London, SW9 8PN
  • 22 Dudley House, London, SW9 0BW
  • Flat 7, Glasbury House, Edmundsbury Court, Ferndale Road, London SW9 8AY
  • Clapham Rd, London SW9 9BE
  • 35a Hubert Grove, Stockwell, London, SW9 9PA

Local High Street Banks in Stockwell

Mortgage Broker in and around Stockwell

Our Stockwell mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Brixton, Clapham, Vauxhall, Battersea, Kennington, Reigate and Camberwell.

Which banks are local to you?


  • Natwest Bank Plc - 358 S Lambeth Rd, London SW8 1UG
  • Lloyds Bank Plc - 18 Acre Ln, Brixton, London SW2 5SQ
  • Barclays Bank Plc - 463-465 Brixton Rd, Brixton, London SW9 8HL

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Stockwell Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Stockwell from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Stockwell is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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