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Our Mortgage Broker Guide to getting a mortgage in Willesden

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 Willesden Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep credit usage low

Lenders always look at how much credit is available to you as well as your outstanding balances.

If the amount of available credit you can access is low, lenders can take the view that you aren't looking after your finances successfully. You should always try to keep credit balances below 50% of the total credit available to you.

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages


Willesden is an area in north-west London in Brent Borough, with many different styles of property and is around 5 miles north-west of the capital's centre. Landmarks include the Willesden Library and Willesden Jewish Cemetery.

Notting Hill is comparatively near, with the wonderful Portobello Market, and you can also visit the Museum of Brands, Packaging and Advertising in Lancaster Road, described by one reviewer as 'a hidden gem'.

NW10 2BG

Property Price Stats for Willesden


Average property price in Willesden £657,346
% Change compared to last year 18%
Population of Willesden 76,278 (2001)


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 Willesden - Recently Completed

  • Parkfield Rd, Willesden, London NW10 2BG
  • 195 Burnley Road, Willesden, London, NW10 1ET
  • Flat 3 Bazalgette House, Harlesden Road, NW10 3RE
  • 29 Drayton Road, London NW10 4DE
  • 32 Flat B, Tubbs road, London, NW10 4RE

Local High Street Banks in Willesden

Mortgage Broker in and around Willesden

Our Willesden mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Cricklewood, Brondesbury, Kilburn, Kensal Green, Harlesden, Kingsbury and West Hampstead.

Which banks are local to you?


  • Lloyds - 1 Walm Ln, London NW2 5SN
  • Barclays - 5 High Rd, Willesden Green, London NW10 2TE
  • Natwest - 12 Station Parade, London NW2 4NN

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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.

Willesden Mortgage Broker Insider Tips

If you're buying, getting a structural assessment (Building Survey) of your property in Willesden from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Willesden is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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