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Our Mortgage Broker Guide to getting a mortgage in Welling

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 Welling Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your credit report for any issues

Getting a recent credit report will show you how your credit worthiness is viewed by lending companies. This is particularly worthwhile if you haven't already done so and have been turned down for credit.

Depending on what you find on your file, you can take action to improve your credit, principally by ensuring you make timely repayments on existing credit you have taken out. Every application for credit you make which is turned down will in turn negatively impact your credit score.

Repayment Mortgage

Residential home buyers take out repayment mortgages, which involve making monthly repayments where part of the payment goes towards paying for the interest on the loan and part goes towards paying down the capital. At the end of the term, normally 25 years, assuming all payments are made correctly, the mortgage is fully paid back so the ex-mortgagor then holds the full equity of the property involved.

The act of developing more equity over time has the advantage that any future remortgaging should be cheaper in future and applications more likely to be successful.


Welling is a town in Bexley Borough in south-east London, around 11 miles east south-east of the capital's centre. it has an excellent shopping area. Landmarks include the large Russian gun at Welling Corner which was of the type used in the Crimean war and the former Foster's School building. Tenpin Bexleyheath is an excellent local diversion for families and kids as is Danson Splash Park, which boasts interactive water features and an excellent adventure playground.

DA16 3AH

Property Price Stats for Welling


Average property price in Welling £327,525
% Change compared to last year 16%
Population of Welling 10,803 (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 Welling - Recently Completed

  • Flat 7, Bains Court, 197 Bellegrove Rd, Welling, Greater London DA16 3AH
  • 10 Brixham Road, Welling, DA16 1EQ
  • 181 Crookston Road, Shooter's Hill, Welling, Greater London. SE9 1YG
  • 18 Westmoreland Avenue, Welling, DA16 2QD
  • 29 Central Avenue, Welling, Kent DA16 3AZ

Local High Street Banks in Welling

Mortgage Broker in and around Welling

Our Welling mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Shooter's Hill, Bexleyheath, West Heath, Plumstead, Falconwood, Sidcup and New Eltham.

Which banks are local to you?


  • Santander - 14 Bellegrove Road, Welling, Kent DA16 3PP
  • Lloyds - 42 Bellegrove Road, Welling, Kent DA16 3PY
  • HSBC - 10 Bellegrove Road, Welling, Kent DA16 3PT

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Welling Mortgage Broker Insider Tips

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

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

FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.