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Our Mortgage Broker Guide to getting a mortgage in Worthing

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 Worthing Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Get on the electoral roll, even if you choose not to actually vote!

This is hugely important as many lenders won't even consider lending to you if you're not on the electoral roll.

Not being on the electoral roll makes checking your ID more difficult which always impacts your credit score.

Joint Mortgage

Any time you apply with at least one other person for a mortgage, you are applying for a joint mortgage. The lender lends you money not only based on your salary but on the salaries of any other joint applicants, meaning you might jointly potentially secure a much larger mortgage sum than if you applied singly.

The down side of a joint mortgage is that you all become joint and severally liable to repay it. So you could be making your fair contribution to mortgage repayments but if your mortgage partner/s are not, the lender can pursue you as well as the others for the shortfall.


Worthing is a large, lively seaside town in West Sussex County, around 10 miles west of Brighton. Landmarks include Castle Goring, St Mary's church and Worthing Pier. There are 213 listed buildings in wider Worthing Borough. There are some great open spaces in the area, such as Beach House Park and Highdown Gardens.

BN13 2AZ

Property Price Stats for Worthing


Average property price in Worthing £269,183
% Change compared to last year 7%
Population of Worthing 100,200 (2008)


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 Worthing - Recently Completed

  • Mardale Road, Worthing West Sussex BN13 2AZ
  • 22 Chapel Rd, Worthing BN11 1AA
  • 139 Salvington Rd, Worthing BN13 2JW
  • 268 Goring Rd, Worthing BN12 4PE
  • 22 Cricketers Parade, Worthing BN14 9DB

Local High Street Banks in Worthing

Mortgage Broker in and around Worthing

Our Worthing mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Littlehampton, Angmering, Shoreham-by-Sea, Portslade, Brighton, Lancing and Arundel.

Which banks are local to you?


  • Barclays - 1 Chapel Rd, Worthing BN11 1EX
  • TSB - 10 South St, Worthing BN11 3AA
  • Lloyds - 106-108 George V Ave, Worthing BN11 5RS

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Worthing offering free first consultation (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.

Worthing Mortgage Broker Insider Tips

Buying a home? Consider instructing a solicitor before anything else!

When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).

Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.

You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.

Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.

One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.

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