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Our Mortgage Broker Guide to getting a mortgage in Swindon

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 Swindon Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Applying for a mortgage? Never take out a payday loan

Some mortgage underwriters automatically reject applications for mortgages from people who have taken up payday loans.

Lenders most often view the use of payday loans as evidence of poor money management. They are also extremely expensive.

Mortgage Types

Mortgages can be broadly divided in the following ways:

  • Repayment or Interest-only
  • Fixed or variable rate
  • Offset
  • Help to Buy
  • 'Helper'

Residential mortgage applicants can only take out repayment mortgages, where monthly payments are divided between paying off the interest on the loan and paying down the capital borrowed. Non-residential mortgage applicants can take out interest-only mortgages, where monthly payments are purely used to pay off the interest on the loan and the capital must be found at the end of the term from other sources.

Mortgage interest rates can either be fixed for set periods or track a rate (essentially the Bank of England base rate). Offset mortgages involve interest which would be paid to the mortgagor on another account being put towards paying off the interest on the mortgage. Help to Buy mortgages are residential mortgages which accompany Government equity loans to enable buyers on the scheme to buy New Build houses.

Helper mortgages describe mortgages which involve an associate of the mortgage doing something which assists a mortgagor to buy a home. The associate has carry out an action such as open a linked account, guarantee the mortgagor's repayments using their own home as security or devote the interest on a savings account to helping pay down the interest which the mortgagor owes.


Swindon is a large town in Wiltshire County is south west England around 80 miles west of London. It has been cited as being one of the best places to live in the UK. Landmarks and attractions include the Museum of the Great Western Railway and Lyland Park, a pleasant 18th century country house and estate.

SN1 3BL

Property Price Stats for Swindon


Average property price in Swindon £196,109
% Change compared to last year 12%
Population of Swindon 209,156 (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 Swindon - Recently Completed

  • Victoria Rd, Swindon SN1 3BL
  • 11 Whitbourne Ave, Swindon SN3 2GD
  • 275 Whitworth Rd, Swindon SN25 3BU
  • 12 Sussex Square, Swindon SN3 3BJ
  • 48 Commercial Rd, Swindon SN1 5NX

Local High Street Banks in Swindon

Mortgage Broker in and around Swindon

Our Swindon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Cricklade, Royal Wootton Bassett, Wroughton, Marlborough, Aldbourne, Skelton and Broad Hinton.

Which banks are local to you?


  • TSB - 31 The Parade, Swindon SN1 1BB
  • Barclays - 28 Regent St, Swindon SN1 1QB
  • Lloyds - 5 High St, Swindon SN1 3EN

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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.

Swindon Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Swindon which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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