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Our Mortgage Broker Guide to getting a mortgage in Telford

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 Telford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Bad Credit Mortgage

Having a high credit rating has an impact on what mortgages will be available to you (you have less options) and can also delay the mortgage process, increase the eventual interest rate and mean increased product fees.

However, even with a bad credit rating it is still possible to get a mortgage. There are independent mortgage brokers who can help to find a mortgage that is suitable for your credit score. Brokers are able to find mortgages based on their knowledge of the current market and can also best advise you on which lenders are likely to lend to you.

If you are successful in your mortgage application, if you then make all your repayments on time then your credit score will improve, which will in turn allow you to arrange better borrowing terms in future.

Discount Mortgage

Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.

The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.


Telford is a large new town in the borough of Telford and Wrekin in the county of Shropshire (it's the largest town in the county) and was named after engineer Thomas Telford. The new town was created from the merger of the older towns of Wellington, Oakengates, Madeley and Dawley.

Landmarks and attractions in the area include the Iron Bridge in nearby Ironbridge, which is the most famous site in the area and is centred on the first bridge of its size in the world which was made out of cast iron. Additionally there is the Wrekin (a hill), Southwater shopping centre and Telford Town Park.

TF3 4AU

Property Price Stats for Telford


Average property price in Telford £179,556
% Change compared to last year 4%
Population of Telford 142,723, (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 Telford - Recently Completed

  • Whitehead Road, Telford TF3 5JB
  • Birchmore, TF3 1TH
  • Oakengates, Telford TF2 6EW
  • Hawthorne Close TF2 0EB
  • Purbeck Dale TF4 2QL

Local High Street Banks in Telford

Mortgage Broker in and around Telford

Our Telford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ironbridge, Cosford, Shifnal, Newport, Ketley, Cressage and Much Wenlock.

Which banks are local to you?


  • Barclays - Telford Centre, 123 Ashdown Lane, Telford TF3 4AD
  • HSBC Bank - 16, Telford Shopping Centre, Shropshire, Telford TF3 4BW
  • Sainsbury's Bank - Telford Forge Retail Park, Telford TF3 4AG

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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.

Telford Mortgage Broker Insider Tips

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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