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Our Mortgage Broker Guide to getting a mortgage in Tower Hamlets

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 Tower Hamlets Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Regularly moving house can affect your credit score

Lenders favour stability in their mortgagors and so if you have a reduced credit score due to moving regularly, it increases your risk profile.

You will often be asked, “Have you lived at this address for longer than 3 years?”. Mortgage lenders want to know where you live and living in one place for a long period of time your credit score will go up./

Variable Rate Mortgage

With this type of mortgage, the interest rate may vary. This means your repayments may go up and down, unlike with a fixed rate mortgage where each repayment is predictable.

The benefit of a variable rate mortgage is if the Bank of England base rate decreases, as will your repayments. But be aware that if the base rate increases, so will your repayments. If you are going to choose this type of mortgage, ensure you have the funds if the base rate increases.


Tower Hamlets is a London Borough in East London. The borough lies just above the Thames and east of Central London.

The borough has two main parks; Victoria Park and Mile End Park. Victoria Park is a large 86-hectare park with the Queen Elizabeth Olympic Park only one mile away. The park has recently had a twelve-million-pound refurbishment. It has won the Green Flag People’s Choice Award for most popular green space more times than any other park in the UK.

Landmarks within Tower Hamlets include Brick Lane, the Tower of London and Tower Bridge.

E1 2DW

Property Price Stats for Tower Hamlets


Average property price in Tower Hamlets £555,794
% Change compared to last year 4%
Population of Tower Hamlets 304,900 (2016)


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 Tower Hamlets - Recently Completed

  • Denmark Place, Bow, Tower Hamlets, London E3 2GJ
  • Wharf Place, Tower Hamlets, London E2 9BD
  • Philpot St, Whitechapel, London E1 2DW
  • Burdett Rd, London E3 4TU
  • Roman Rd, Bethnal Green, London E2 0RX

Local High Street Banks in Tower Hamlets

Mortgage Broker in and around Tower Hamlets

Our Tower Hamlets mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including City of London, Stratford, New Charlton, Vanbrugh Park, Deptford, Canning Town and Silvertown.

Which banks are local to you?


  • NatWest Bank - Black Lion House, 45 Whitechapel Rd, London E1 1DU
  • London Community Credit Union - Vesey Path, Poplar, London E14 6BT
  • HSBC - 60 Fenchurch St, London EC3M 4BA

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Mortgage Brokers Tower Hamlets 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.

Tower Hamlets 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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