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Our Mortgage Broker Guide to getting a mortgage in Walton on Thames

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 Walton on Thames Tip 1
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Mortgage Broker Tip 1

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Stay living in one place

Ever wonder why you get asked, “Have you lived at this address for longer than 3 years?” If you haven’t been registered at one address for a long period of time this will affect your credit rating because a mortgage lender wants to know where you live. If you keep moving, this shows a lack of stability and inconsistency increasing your risk profile.

Stay put and register everything you have to at this one address. Show a stable living and continuous residential address and your credit score will go up.

Capped Mortgage

Capped mortgages give security to a mortgagor in that mortgage repayments cannot rise above a certain rate. They are a type of variable rate mortgage and although they cannot vary upwards (in repayment costs) beyond a certain point, payments are allowed to fall when the index itself falls.

Mortgagors can therefore benefit from the surety that they won't have to pay out more than a certain agreed monthly sum but also from any fall in the underlying index (such as the Bank of England base rate).


Walton-on-Thames is a town located 15.3 miles south-west of central London in Elmbridge borough, Surrey. Its Riverhouse Arts Centre hosts comedy shows, gardens, workshops, gallery and a theatre. St Mary's Church, which is the highest point in the town, dates from Saxon times. The Elmbridge Museum in nearby Weybridge has plenty of information about Walton's history.

KT12 1LN

Property Price Stats for Walton on Thames


Average property price in Walton on Thames £543,159
% Change compared to last year 6%
Population of Walton on Thames 22,834


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 Walton on Thames - Recently Completed

  • Brampton Gardens, Walton on Thames, Surrey, KT12 5HN
  • 27 Stonebanks, Walton on Thames, Surrey, KT12 2QE
  • 37 Bowes Road, Walton On Thames, Surrey, KT12 3HU
  • 132 Burwood Road, , Hersham, Walton on Thames, Surrey, KT12 4AS
  • 49 Ashley Road, Walton On Thames, Surrey, KT12 1HG

Local High Street Banks in Walton on Thames

Mortgage Broker in and around Walton on Thames

Our Walton on Thames mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Sunbury-on-Thames, Weybridge, Shepperton, Upper Halliford, Hersham, Byfleet and Molesey.

Which banks are local to you?


  • Barclays - 8-12 Church St, Walton-on-Thames KT12 2YW
  • Lloyds - 83 High St, Walton-on-Thames KT12 1DU
  • HSBC - 32-34 High St, Walton-on-Thames KT12 1DD

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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.

Walton on Thames 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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