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Our Mortgage Broker Guide to getting a mortgage in Witham

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 Witham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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


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.

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

Mortgage Broker Witham - Recently Completed

  • 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

Mortgage Broker in and around Witham

Our Witham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hatfield Peverel, Wickham Bishops, Great Braxted, Rivenhall End, Terling, Fairstead and White Notley.

Which banks are local to you?


  • 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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Witham Mortgage Broker Insider Tips

Book your home buyers survey as soon as you have your offer accepted.

Getting a RICS home buyers survey is always recommended because you get an expert opinion on whether a property you want to buy has any defects which may give you grounds to bargain for a lower price with a vendor or even pull out.

Once you have instructed a RICS surveyor, it may take perhaps up to 10 days before they can carry out their inspection and then they may take five working days (or more) to get the report back to you. You should therefore keep delays to a minimum by booking your survey as soon as possible.

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