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Our Mortgage Broker Guide to getting a mortgage in Stoke-on-Trent

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 Stoke-on-Trent Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Ensure that information on your credit report is correct

A bad score can be down to mistaken information – it might even indicate that your identity has been stolen.

By carefully checking, you can ensure that information held on you is up-to-date. Remember that obsolete addresses can negatively affect your credit rating and if you had previous ties with people who have bad credit, you should ensure that these people are no longer associated with you by corresponding with the agencies themselves.

Current Account Mortgage

A current account mortgage is a variant of an offset mortgage and involve your current account effectively becoming pooled with your mortgage repayment account.

Your salary goes into the account and in doing so, reduces the capital you owe on your mortgage and the interest which is charged on it. The more your account is in credit, the less your mortgage payments become. You can't normally get discounted rates for this kind of mortgage.


Stoke-on-Trent - also known simply as Stoke - is a city in Staffordshire County. It formed from a federation of six towns in the early 20th century, namely Stoke, Hanley, Burslem, Tunstall, Longton and Fenton. It is the home of the English pottery industry and is often known as the Potteries. Landmarks and places of interest include the Potteries Museum & Art Gallery in Hanley, the Elizabeth Ford Green Hall and the lovely Trentham Gardens. Alton Towers, the well-known them park, is just 10 miles away.


ST7 1LF

Property Price Stats for Stoke-on-Trent


Average property price in Stoke-on-Trent £124,554
% Change compared to last year 8%
Population of Stoke-on-Trent 249,008 (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 Stoke-on-Trent - Recently Completed

  • Pickwick Place, Butt Lane, Stoke on Trent ST7 1LF
  • 1711 Leek Road, Stoke On Trent, ST2 7AA
  • 21 Starwood Rd, Lightwood, Stoke on Trent, Staffordshire, ST3 7EP
  • 209 Uttoxeter Road, Blythe Bridge, Stoke on Trent, Staffs, ST11 9HQ
  • 51 Balfour St, Stoke-on-Trent, ST1 3QN

Local High Street Banks in Stoke-on-Trent

Mortgage Broker in and around Stoke-on-Trent

Our Stoke-on-Trent mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Meaford, Whitmore, Madeley, Newcastle-under-Lyme, Talke, Steyning and Blythe Bridge.

Which banks are local to you?


  • Barclays - 36 Town Rd, Stoke-on-Trent ST1 2JQ
  • Lloyds - 2 Moorland Rd, Burslem, Stoke-on-Trent ST6 1DQ
  • HSBC - Crown Bank, Staffordshire, Stoke-on-Trent ST1 1DA

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Stoke-on-Trent Mortgage Broker Insider Tips

Only use solicitors who have been entrusted with the Conveyancing Quality Scheme (CQS) award..

All solicitors are not the same! The Law Society only gives its Conveyancing Quality Scheme award to applicant solicitor firms who have passed strict quality control assessments and can prove that their standards of experience, qualification and professionalism are sufficiently high.

SAM Conveyancing only employs CQS solicitors who proactively manage all their clients.

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