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Our Mortgage Broker Guide to getting a mortgage in Windlesham

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 Windlesham Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get a Credit Card

A credit scoring agency needs for you to have a credit in order for them to score you. Get a credit card, use it and pay it off in full. You must pay it off in full, otherwise you will worsen your credit score. Your credit report will start to show a credit where you borrow money and pay it off –this is exactly what mortgage lenders want to see.

Remember, use it and pay it off every month, otherwise this won’t work. If you have struggled getting a credit card before, go to a company that offers credit cards to people with bad credit rating. The interest rate will be through the room, but don’t worry, because you are paying off the balance every month you won’t incur any interest penalties.

Fixed Rate Mortgage

This type of mortgage loan involves repayments being fixed at a certain agreed interest rate for a set term with no adjustments. Their advantage is that a mortgagor knows exactly what has to be repaid each month for a set period and will be unaffected by for example sudden changes in the Bank of England base rate (which may or may not be to the advantage of the mortgagor).

Typically, the fixed period is 2 years, 3 years, 5 years or 10 years. When the fixed term has expired, these mortgages normally change to variable rate mortgages, where the repayments can float (go up or down) because the rate moves when an underlying index – most normally the Bank of England base rate – moves. When the fixed term ends, the mortgagor can opt renew a fixed rate contract.


Windlesham is a pleasant village in Surrey of the 'commuter dormitory' type. Its most prominent landmark is Updown Court, a Californian style residence which was, in 2007, valued as the most expensive house in the world. Windlesham Arboretum features lakes, monuments, follies, a very small chapel and approximately 22,000 mature and rare trees. The village has great connections - the M3 and A30 pass nearby, Heathrow Airport is near and there are two rail stations within easy reach - and nearby Bagshot provides a number of shopping options. There are four schools in the area, two of which are in Windlesham village itself.

GU20 6DL

Property Price Stats for Windlesham


Average property price in Windlesham £552,176
% Change compared to last year 0%
Population of Windlesham 4,392 (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 Windlesham - Recently Completed

  • Oakwood Road, Windlesham, Surrey, GU20 6JD
  • 18 Oakwood Road, Windlesham, Surrey, GU20 6JD
  • 4 Florence Court, Woking, Surrey, GU21 2TN
  • Up Down Hill, Windlesham, Surrey, GU20 6DL
  • 10 Eastbrook Close, Woking, Surrey, GU21 5DQ

Local High Street Banks in Windlesham

Mortgage Broker in and around Windlesham

Our Windlesham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Chobham, Lightwater, West End, Bagshot, Sunningdale, Addlestone and Ascot.

Which banks are local to you?


  • Handelsbanken - 2, Queens Square, Ascot Business Park, Lyndhurst Rd, Ascot SL5 9FE
  • Barclays - 19, High St, Ascot SL5 7JG
  • TSB - 21 High St, Ascot SL5 7JE

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Windlesham Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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