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Our Mortgage Broker Guide to getting a mortgage in Suffolk

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 Suffolk Tip 1
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Set up payment reminders

Your credit score is highly sensitive as to whether you make your credit card payments on time. Some lenders offer payment reminders through their online portals that can send you an email or text message reminding you when a payment is due.

You might also want to consider enrolling in an automatic payment scheme run by your credit card/loan providers to have payments automatically debited from your bank account. Be aware however that only the minimum required payment on your credit cards might be made – in the longer term, you should always be careful to manage your finances well.
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Variable Rate Mortgage

The part of a variable rate mortgage that varies is the interest rate. Your repayments will fluctuate as the Bank of England base rate goes up and down, but they won’t necessarily mirror its every change. The rate is decided by the lender.

If the rate falls your repayments will be lower, which is great, but the opposite is also true. If the rate increases your repayments will also increase, so make sure you are prepared for the risks of choosing this type of mortgage.


Suffok is a county in East Anglia in the east of England. Its county town is Ipswich and other important towns include Lowestoft, Bury St Edmunds, Newmarket, and Felixstowe, the latter being one of the largest container ports in Europe.

Although low-lying, it has a number of hills and plenty of arable land. The Suffolk Coast and Heaths are Areas of Outstanding Natural Beauty. Suffolk has one university, namely the University of Suffolk. It is a sporting county which, for example, includes horse racing (Newmarket is the headquarters of British horseracing and Speedway is still very popular.

The 'St Edmund' of Bury St Edmunds was originally a King of East Anglia and Christian martyr killed by invading Danes in 769 and used to be the patron saint of England until replaced by St George in the 13th century CE.

CB8 8RZ

Property Price Stats for Suffolk


Average property price in Suffolk £274,939
% Change compared to last year 0%
Population of Suffolk 757,000 (2018)


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 Suffolk - Recently Completed

  • Arlington Court CB8 0HN
  • Barnby Close, Haverhill, Suffolk CB9 7WA
  • Thaxted Road, Saffron Walden CB10 1BL
  • Kitson Gardens, CB6 3XR
  • Fordham Road CB7 5QD

Local High Street Banks in Suffolk

Mortgage Broker in and around Suffolk

Our Suffolk mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Lowestoft, Bury St Edmunds, Ipswich, Saxmundham, Kesgrave, Aldeburgh and Felixstowe.

Which banks are local to you?


  • Barclays Bank plc - 20-21 Cornhill, Bury St. Edmunds, Suffolk, IP33 1DY
  • HSBC Bank plc - 34 London Rd North, Lowestoft, Suffolk, NR32 1EW
  • Lloyds Bank plc - 47 London Rd North, Lowestoft, NR32 1BL

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Suffolk

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

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

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Suffolk Mortgage Broker Insider Tips

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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Conveyancing Process
FREE Online Conveyancing Process for Buyers

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