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Our Mortgage Broker Guide to getting a mortgage in Thornton Heath

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 Thornton Heath Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep your credit utilisation low

As a rule of thumb, you should use less than 50% of your available credit on any credit card.

Once you start taking up more than 50% of available credit, prospective lenders will generally start to take a dimmer view of your financial management skills.

Capped Mortgage

These are a form of variable rate mortgage with the incentive that although repayments can go up or down, they can only rise upwards to an agreed level. If they fall, your repayments reduce in size.

The cap, however, might be set relatively high, meaning you should still plan carefully, and the term during which the cap operates might be fixed; if it is, there may be hefty early repayment charges if you leave before the term has finished.


Thornton Heath is a district of South London, lying around 7 miles from London's centre. It is well located for shopping and entertainment as Croydon is nearby and Central London is easily accessible. Green areas nearby include Streatham Common and Mitcham Common. Crystal Palace Football Club is located nearby in Selhurst.

CR7 8JF

Property Price Stats for Thornton Heath


Average property price in Thornton Heath £292,582
% Change compared to last year 15%
Population of Thornton Heath 16,539


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 Thornton Heath - Recently Completed

  • St Paul's Road, Thornton Heath, Greater London, CR7 8NB
  • The Drive, Thornton Heath, Greater London, CR7 8LB
  • Penshurst Rd, Thornton Heath, Greater London, CR7 7EB
  • Jubilee Court, London Road, Thornton Heath, Greater London, CR7 6JL
  • Grove Road, Thornton Heath, Greater London, CR7 6HL

Local High Street Banks in Thornton Heath

Mortgage Broker in and around Thornton Heath

Our Thornton Heath mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Croydon, Mitcham, Norbury, Selhurst, Streatham, Morden and Crystal Palace.

Which banks are local to you?


  • Barclays Bank Plc - Ambassador House, 1 Brigstock Rd, Thornton Heath CR7 7YL
  • Natwest Bank Plc - 1393 London Rd, London SW16 4AL
  • Halifax Bank Plc - 1513 London Rd, London SW16 4AE

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Information about Mortgages


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

Find a Home Mortgage

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.

Best Mortgage Advisors

FREE mortgage consultations for Thornton Heath

Mortgage Brokers Thornton Heath 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

Independent Mortgage Broker

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.

Book a Free Mortgage Broker Consultation

Thornton Heath Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Thornton Heath until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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