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Our Mortgage Broker Guide to getting a mortgage in Surbiton

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 Surbiton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your main 3 credit scores

There are currently 3 main credit reference agencies, namely Equifax, Experian and Callcredit. Each one can hold slightly different information about you and has a different algorithm for calculating your credit score.

By checking the files of all 3 companies, you can ensure you eradicate any mistakes and best inform yourself of the likelihood that your application for a loan, for example a mortgage, will be accepted.

Repayment Mortgage

If you are a residential home buyer buying with a mortgage, you will be taking out this kind of mortgage (interest-only mortgages can only be accessed by commercial buyers).

With a repayment mortgage, over the mortgage term – most often 25 years – you make monthly payments with part going towards paying off the interest on the loan and part going towards paying off the capital. As the term progresses and you pay more of the capital off, the interest element becomes smaller so more of your payment goes towards paying down the capital.

If you make all your monthly payments, you will have paid off the mortgage entirely by the end of the term and will then hold the full equity of your property yourself.


Surbiton is a suburb in south west London, around 11 miles from Central London and located next to the River Thames. Housing is highly varied here, ranging from 19th century townhouses to Art-Deco courts as well as including many more modern estates.

Saint Mark's Church, built 1845, is a prominent landmark in the area. White Spider Climbing in Hook Road South contains great climbing facilities. For those a little less athletically inclined, Charrington Bowl offers a de luxe modern 10-pin bowling facility with many lanes and other attractions such as arcades. Surbiton is located near to Kingston and Richmond and all of these areas are very well served for shopping and entertainment.

KT6 4JU

Property Price Stats for Surbiton


Average property price in Surbiton £502,781
% Change compared to last year 4%
Population of Surbiton 10,459


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 Surbiton - Recently Completed

  • Palmerston Court, Lovelace Gardens, Surbiton, Surrey, KT6 6SE
  • Manor Drive, Berrylands, Surbiton, Surrey KT5 8NF
  • Raeburn Avenue, Surbiton, Surrey, KT5 9BP
  • 20 Surbiton Road, Kingston Upon Thames, Surrey, KT1 2HX
  • Chalford Court, Ewell Road, Surbiton, Surrey, KT6 6HJ

Local High Street Banks in Surbiton

Mortgage Broker in and around Surbiton

Our Surbiton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kingston Upon Thames, Epsom, Hampton, Tolworth, Long Ditton, Norbiton and Chessington.

Which banks are local to you?


  • Barclays Bank Plc - 81/83 Victoria Road, Surbiton KT6 4PD
  • HSBC Bank Plc - 1 Victoria Rd, Surbiton KT6 4LF
  • Santander Bank Plc - 12 Victoria Rd, Surbiton KT6 4JW

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

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

Surbiton Mortgage Broker Insider Tips

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

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FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.