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Our Mortgage Broker Guide to getting a mortgage in Westminster

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 Westminster Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Try not to use all of the possible credit available to you

To credit agencies, a person who has taken up all available credit can look overextended financially.

This can negatively affect a credit rating as the person will be regarded as statistically more likely to miss payments or make them late.

Current Account Mortgage

Current account mortgages are a version of offset mortgage where your current account and mortgage are converted to one account. The idea is that when you get paid, the credit reduces your mortgage sum, so mortgage repayments become cheaper, however the more of your pay you use, the more that the repayments rise to 'normal' levels.

The more your account is in credit, the more capital you'll pay off. You can't normally access discounted rates with this kind of mortgage.


Westminster used to be the capital of the Kingdom of England and is now the central shopping area for Central London as well as having numerous landmarks and attractions including the Palace of Westminster, Buckingham Palace, Westminster Abbey and Westminster Cathedral. Westminster Abbey actually was part of a royal palace originally created by Edward the Confessor. The name is synonymous with the Houses of Parliament, otherwise known as the Palace of Westminster.

It also contains the famous Westminster School, a public school which grew out of the abbey. It's bordered by Green Park to the north and the River Thames to the south. It contains a growing number of residential condominiums, particularly around Victoria occupied by wealthy inhabitants.

SW1H 0AX

Property Price Stats for Westminster


Average property price in Westminster £1,168,842
% Change compared to last year - 20%
Population of Westminster 255,324 (2018)


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 Westminster - Recently Completed

  • Crowndale Court NW1 1TY
  • 66 Marquis Road, NW1 9UB
  • Rochester Road NW1 9JH
  • Camden Court NW1 0SX
  • Siddons Lane NW1 6EH

Local High Street Banks in Westminster

Mortgage Broker in and around Westminster

Our Westminster mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including City of London, South London, West London, North London, East London, South West London and South East London.

Which banks are local to you?


  • NatWest Bank plc - 57 Victoria St, Westminster, London SW1H 0HP
  • Lloyds Bank plc - 98 Victoria St, Westminster, London SW1E 5JL
  • HSBC Bank Plc - 333 Vauxhall Bridge Rd, The Peak, Pimlico, London SW1V 1EJ

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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Westminster

Mortgage Brokers Westminster offering free first consultation (terms apply).

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Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Westminster Mortgage Broker Insider Tips

One thing you can do for fast conveyancing in Westminster is to opt for Monday as your completion date, when you get your keys and move into your new place.

Understandably, Fridays are the most popular days for completions - people then have the whole weekend to make their new place as shipshape as possible before going back to work on Monday. The trouble is, there's a fair chance that your conveyancing solicitor may well have other completions to do on Fridays and will be very busy already.

Therefore if you decide to opt for a Monday for completion - or indeed, just not a Friday! - your solicitor is more likely to be less busy and therefore more able to 'pull out all the stops' to help you to complete quickly, making sure all the transfers are carried out and so on.

So for a fast conveyancing move think about completing Monday to Thursday!

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