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Our Mortgage Broker Guide to getting a mortgage in Widnes

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    Approval/Decision in Principal (AIP/DIP)
    Mortgage in Principal (MIP)
    Mortgage Valuation
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Widnes Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check all your information is correct on your credit file

Make sure the information about you is correct on your credit file. Typos and old information can have a negative effect on your credit rating.

The three most important this to check are your name, address and old mobile phone contracts. If any of these are incorrect or have information that is no longer relevant (such as old addresses) make sure you change it to achieve the highest score you can.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage and their interest rate tracks another rate, which is normally the Bank of England base rate.

Because the rate these mortgages track can move about, what you repay can go up and down and you should plan for this accordingly.

Widnes is an industrial town in Cheshire and was historically classed as being in Lancashire – it's on the north bank of the River Mersey. Its development from being a fairly small settlement was marked after John Hutchinson established a chemical factory in Spike Island in the later period of the Industrial Revolution and the town is still associated with chemical manufacture although much of its employment is now given over to the service sector. The industrial jobs created in its Victorian expansion were frequently filled by Polish, Irish and Lithuanian immigrant labour.

Landmarks and attractions include the Grade II listed Silver Jubilee Bridge to Runcorn, opened in 1961, Victoria Promenade at West Bank, Spike Island (now an open recreation area which leads to footpaths along the former towpath of the Sankey Canal and the Catalyst Science Discovery Centre. It is of course also particularly known for its Widnes Viking Rugby League Football Club, which has won numerous pieces of silverware, both nationally and internationally, over the years.


Property Price Stats for Widnes

Average property price in Widnes £172,857
% Change compared to last year 0%
Population of Widnes 60,211 (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 Widnes - Recently Completed

  • Dorothea Crescent, WA8 3AH
  • Malahide Court, WA8 9SF
  • Stone Cross Drive, WA8 9DL
  • Brookside Cottage, WA5 4BY
  • Old Liverpool Road, WA5 1BT

Local High Street Banks in Widnes

Mortgage Broker in and around Widnes

Our Widnes mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Runcorn, Warrington, Hale, Tarbock Green, Liverpool, Huyton and Rainhall.

Which banks are local to you?

  • NatWest Plc - 146 Widnes Rd, Widnes WA8 6BB
  • Lloyds Bank Plc - 23-24 Albert Rd, Widnes WA8 6JW
  • Halifax Bank Plc - 36 Albert Rd, Widnes WA8 6JE

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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.

Widnes Mortgage Broker Insider Tips

Communicate using the fastest and most efficient methods.

This way unnecessary delays are avoided. It would be awful if you were ready to exchange on your property in Widnes but couldn't go ahead as some documents were still outstanding in the post.

Modern society allows us to contact each other with the touch of a button, be it via email or telephone. If you have a question, it is often quicker to call. If you need to send some documents, an email with scanned attachments can be faster than the post.

If you are using the post, always use the most rapid options and make sure it is recorded or you could risk losing important, essential documents. The nominal extra cost is utterly worth it. It's important to note that a lost or even delayed document can set you back 2-3 weeks, and time is precious in a home move.

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