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Our Mortgage Broker Guide to getting a mortgage in Virginia Water

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 Virginia Water Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Virginia Water - Recently Completed

  • 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

Mortgage Broker in and around Virginia Water

Our Virginia Water mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ascot, Chertsey, Chobham, Sunningdale, Englefield Green, Bagshot and Longcross.

Which banks are local to you?


  • 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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Virginia Water 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.

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