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Our Mortgage Broker Guide to getting a mortgage in Walsall

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 Walsall Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Is the information on your credit report correct?

It is important to check the following details are correct on your credit report.
a) Is your name correct?
b) Is your address correct?
c) Are there any mobile phone contracts still showing?
Make sure you write to any company that has different details of you than that of your credit report to get them changed, otherwise you can have issues when it comes to doing ID checks.

Fixed rate mortgage

The element of a fixed rate mortgage is the interest rate which means each month your mortgage repayments are the same. The period you can have this type of mortgage ranges from two to ten years, but once this period is over you can apply for another fixed rate mortgage.

The rate tend to be fairly high but you do have the security of knowing how much you will be paying each month. If the Bank of England base rate drops and you consider changing to a variable rate mortgage, there is a hefty charge for leaving before your time period is over.


Walsall is an industrial town in the West Midlands situated 10 miles northwest of Birmingham, 10 miles south of Cannock and 7 miles east of Wolverhampton. Evidence for the town’s presence dates back to at least 1002 CE. The Industrial Revolution brought about a population increase from 2,000 to 86,000 over just 200 years. Since then the population has decreased, but the town continues to thrive off the developments which occurred within this period.

The town has two museums, the Walsall Museum and the Walsall Leather Museum. The former displays the history of the town whilst the latter displays the fame of the town's leather trade. There is a large Victorian park called the Walsall Arboretum that was opened in 1874 as well as the New Art Gallery Walsall; both additionally attract people to the town.

WS1 1AA

Property Price Stats for Walsall


Average property price in Walsall £162,485
% Change compared to last year 4%
Population of Walsall 67,594 (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 Walsall - Recently Completed

  • Woodruff Way, Tamebridge, Walsall, West Midlands, WS5 4RL
  • Bescot Crescent, Walsall, WS1 4DH
  • Darwall St, Walsall WS1 1AA
  • Broadway N, Walsall WS1 2QB
  • Wolverhampton Rd, Walsall WS2 8RQ

Local High Street Banks in Walsall

Mortgage Broker in and around Walsall

Our Walsall mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bloxwich, Birmingham, Dudley, West Bromwich, Aldridge, Newtown and Essington.

Which banks are local to you?


  • The Co-operative Bank - The Bridge, Walsall WS1 1LG
  • TSB Bank - Bridge St, Walsall WS1 1YR
  • Lloyds Bank - High St, Bloxwich, Walsall WS3 3JG

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Walsall Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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