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Your home may be repossessed if you do not keep up repayments on your mortgage.

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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.


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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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

How to get a mortgage - or remortgage - in Witham


Witham is a town in Essex within Braintree District and sits on a the path of the Roman road between Chelmsford and Colchester. Evidence suggests that the area has been inhabited as far back as the Neolithic period and it was named in the Domesday Book of 1086, although the present town started life on Chipping Hill, which is the location of St Nicolas's Church (and this is a unique spelling!).

Witham was briefly an affluent spa town in the 18th century and before that, a centre of the wool trade until the industry itself declined in the 17th century. It greatly expanded however in the late 1960s and 1970s when the then Greater London Council built 3 large council estates ostensibly as part of an overspill policy to cater for families from London to move to. Many of the properties built have subsequently been bought by residents via the Right to Buy initiative.

Local landmarks and attractions include Dorothy L. Sayers' Old House (she was a notable crime writer and poet), Braxted Back Lake, Cressing Temple, Paycocke's House and Garden (excellent tea room among other things), Sculpt Gallery and Coggeshall Grange Barn.

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

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

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

Mortgage Broker Tip 

Applying for a mortgage? Never take out a payday loan

Some mortgage underwriters automatically reject applications for mortgages from people who have taken up payday loans.

Lenders most often view the use of payday loans as evidence of poor money management. They are also extremely expensive.
Top Mortgage Lenders 

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages
CM8 1AH

Property Price Stats for Witham


Average property price in Witham £294,018
% Change compared to last year 10%
Population of Witham 25,353 (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

RECENTLY COMPLETED MOVES IN Witham

  • 55 Fleming Way, Witham, ESSEX CM8 2GL
  • Chelmer Road, ESSEX CM8 2EY
  • Lavender Close, Witham, Essex CM8 2YG
  • Randall Close, Witham Essex CM8 1FP
  • Butcher Row, Witham, Essex CM8 1YR

Local High Street Banks in Witham

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Hatfield Peverel, Wickham Bishops, Great Braxted, Rivenhall End, Terling, Fairstead and White Notley.


  • Nationwide Building Society - 96 Newland St, Witham CM8 1AH
  • Barclays Bank Plc - 59 Newland St, Witham CM8 2AJ
  • Lloyds Bank Plc - 99 Newland St, Witham CM8 1AQ

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Mortgage Broker Tips for the Conveyancing Process

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Witham or not.

Click to order your Property Searches