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Mortgage Brokers Virginia Water 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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How to get a mortgage - or remortgage - in Virginia Water


Virginia Water is a highly affluent town just outside the London urban area takes its name from the outstandingly beautiful lake in Windsor Great Park, which is its main feature. The town's location means attractions like Windsor Castle, Thorpe Park and Ascot and within easy reach and there are a number of excellent independent boutiques and restaurants here also. The town was the first postcode area outside London to achieve the distinction of the average price of a property being greater than £1 million.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip  

Be wary of your financial ties with other people

If you're looking to open a joint credit agreement, such as a loan or mortgage, with someone else, their credit rating can affect yours, because your credit file will be linked to theirs.

Make sure you terminate financial links with ex-partners by shutting down any joint accounts and contacting relevant credit reference agencies to ask for a 'notice of disassociation' to stop your credit files being linked.
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Flexible Mortgage

Flexible mortgages are called as such because they offer you flexibility with such matters as overpaying and underpaying, taking payment holidays, making lump sum withdrawals and paying off mortgages early.

You may not have to get a particular mortgage product for it to be flexible in this way (variable rate mortgages, for example, most often allow you to leave without having to make a hefty early repayment charge) but you should be aware that you're likely to be paying extra for the flexibility offered via your rate so you should ensure that you are going to use the features you'll be paying out for.
GU25 4AF

Property Price Stats for Virginia Water


Average property price in Virginia Water £1,092,576
% Change compared to last year - 5%
Population of Virginia Water 6,000


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

RECENTLY COMPLETED MOVES IN Virginia Water

  • Oaktree Close, Virginia Water, Surrey, GU25 4JG
  • Virginia Court, Virginia Water, Surrey, GU25 4AF
  • Wells Lane, Ascot, SL5 7DY
  • Porchester, Ascot, SL5 9DY
  • Drummond Court, 179-171 New Road, Ascot, Berkshire, SL5 8PU

Local High Street Banks in Virginia Water

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Ascot, Chertsey, Chobham, Sunningdale, Englefield Green, Bagshot and Longcross.


  • Barclays Bank Plc - 46 High St, Egham TW20 9EP
  • Lloyds Bank Plc - 73-75 High St, Staines TW18 4PP
  • Nationwide Building Society - 47 High St, Egham TW20 9EW

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Mortgage Broker Tips for the Conveyancing Process

The trick is to choose the right solicitor from the outset for your home move in Virginia Water.

Yes, this may seem obvious, but it's not only the reviews that make a good solicitor. It is also the volume of work they have. If a solicitor is overworked, they will not be able to prioritise effectively, delays may be increased and your case may be overlooked. 

A good solicitor is someone who keeps your best interest in mind at all times and who values high communication levels.

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