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Our Mortgage Broker Guide to getting a mortgage in Waddon

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 Waddon Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't just pay the minimum repayment on your credit card

While you should always pay at least the minimum monthly repayment on your credit card and on time, it's very worth paying more than this and doing so will boost your credit score.

Lenders view paying off more than the monthly required minimum sum as evidence of good financial management and inform credit reference agencies accordingly.

Capped Mortgage

Capped mortgages are variable rate mortgages and the cap comes into play if the rate rises and ensures that repayments cannot rise beyond a certain amount. If the rate falls, then repayments become less.

If you are thinking of taking up a capped mortgage, you need to be sure that you are able to make payments should the rate rise to and stay at the level of the cap: if the cap is set too high, problems can occur as payments become too expensive to accommodate.

Capped mortgages are normally capped for an agreed fixed term and if this is the case you can only leave if you pay a large early repayment charge. Once the fixed term has elapsed, the mortgage is normally converted to one which is variable with the lender's standard variable rate. From this point, there are no penalties for choosing to take up a mortgage of another type.


Waddon is an area within Croydon Borough, around 9 miles south of London's centre. It boasts a range of properties; from large estates to 19th century (and older) to tower blocks. Attractions include the Wandle Park open space, great for recreation, the well-appointed Aerodrome Hotel and the Waddon Leisure Centre.

CR0 2AZ

Property Price Stats for Waddon


Average property price in Waddon £291,651
% Change compared to last year 11%
Population of Waddon 17,077 (2011)


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 Waddon - Recently Completed

  • Gary Court, 189 London Road, Croydon, Surrey, CR0 2AZ
  • 15 Clarendon Road, Croydon, CR0 3SJ
  • 17 Lavington Road, Croydon, CR0 4PQ
  • 22 Croydon Road, Beddington, Croydon, CR0 4PA
  • 10 Church St, Croydon CR0 1SG

Local High Street Banks in Waddon

Mortgage Broker in and around Waddon

Our Waddon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Beddington, West Croydon, South Croydon, Wallington, Shirley, Chittering and Purley.

Which banks are local to you?


  • HSBC - 139a N End, Croydon CR0 1TN
  • TSB - 106 N End, Croydon CR0 1UD
  • Natwest - 26, Centrale Shopping Centre, 21 N End, Croydon CR0 1TY

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Waddon Mortgage Broker Insider Tips

Instruct a solicitor even before your offer has been accepted.

If you instruct a solicitor at the earliest possible time, once your offer on a Waddon property is accepted, you will be ready to get things underway and the seller will see how intent you are on purchasing their property. 

By being organised you are indicating to the seller that you should be able to complete in good time and the process will be as smooth as possible, thereby potentially increasing your chance of success.

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