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Our Mortgage Broker Guide to getting a mortgage in Upminster

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 Upminster Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Take out a prepaid card to help your credit record

You can improve your credit rating by taking out a credit builder prepaid card. You normally have to pay a nominal monthly fee, perhaps £5, which you have to keep paying for 12 months.

When you've made all your repayments over the 12 months, the company issuing the card adds an entry to your credit file stating that you successfully repaid a debt. Additionally, you don't need a credit reference to take such a card out – this is because you're not borrowing on it.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage and their interest rate tracks another rate, which is normally the Bank of England base rate.

Because the rate these mortgages track can move about, what you repay can go up and down and you should plan for this accordingly.


Upminster town is east of central London by around 17 miles. It has a good mix of shopping and residential areas. Its proximity to Hornchurch allows for many cultural activities to be enjoyed (large theatre and arts spaces), also, Romford is close, with its many entertainments. Upminster has a smock windmill in St Marys Lane which is one of only nine surviving windmills in Greater London. For families, a great time can be had in Thames Chase, a community forest located next to Pike Lane. There are plenty of play spaces, country walks and an excellent coffee shop.

RM14 1RQ

Property Price Stats for Upminster


Average property price in Upminster £461,214
% Change compared to last year 15%
Population of Upminster 25,361


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 Upminster - Recently Completed

  • Avon Rd, Upminster, Greater London RM14 1RQ
  • Roseberry Gardens, Upminster, Essex, RM14 1NW
  • Cranstone Park Avenue, Upminster, Essex, RM14 3UT
  • Upminster Road South, Rainham, Essex, RM13 9AX
  • Rainham Road South, Dagenham, Essex, RM10 7XP

Local High Street Banks in Upminster

Mortgage Broker in and around Upminster

Our Upminster mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Romford, Brentwood, Hornchurch, Rainham, Dagenham, Pembury and Warley.

Which banks are local to you?


  • Barclays Bank Plc -29 Station Rd, Upminster RM14 2SJ
  • Natwest Bank Plc - 18 Station Rd, Upminster RM14 2UD
  • Halifax Bank Plc - 8 Station Rd, Upminster RM14 2UB

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

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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.

Upminster Mortgage Broker Insider Tips

Selling? 'No chain' means less chances for delays..

If an estate agent tells you that, regarding a potential buyer, there is 'no chain', it means that that buyer doesn't have to sell another property in order to buy yours.

The more 'links' there are in a chain, inevitably there are more chances for delays as there are more people who have to coordinate any purchase with a balancing sale.

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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