Mortgage Broker Harpenden

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Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Harpenden

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 Harpenden Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Don't apply for credit unless you absolutely need it

While taking up a small amount of credit and paying it back on time is helpful for improving your score if you've not had credit before, as a general rule you should not use credit to pay for something unless you absolutely need to.

Each time you apply for credit, a hard inquiry is made into your credit worthiness and of itself this negatively impacts your credit score. So one way to keep your score higher is to limit these hard inquiries. Besides, if you can afford to pay for something outright, you'll avoid having to pay out extra in the longer term in interest payments.

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages


Harpenden is a commuter town in Hertfordshire County in the City of St Albans district. It is located between St Albans and Luton and is flanked by Wheathampstead and Redbourn villages. Rothamsted Park in the locale is an excellent outdoor space for great walks and other leisure activities. Harpenden Public Halls in Southdown Road have a 400-seat theatre and a 100-seat studio where you can enjoy entertainments such as theatre, music, film and comedy performances.

Property Price Stats for Harpenden


Average property price in Harpenden£751,226
% Change compared to last year7%
Population of Harpenden29,448 (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 Harpenden - Recently Completed

  • Spring Road, Harpenden, Hertfordshire, AL5 3PP
  • 71 Crabtree Lane, Harpenden, Hertforshire, AL5 5PX
  • 18 Glebe Road, Welwyn, Hertfordshire, AL6 9PB
  • Station Rd, Harpenden AL5 4AA
  • Luton Rd, Harpenden AL5 3NF

Local High Street Banks in Harpenden

Mortgage Broker in and around Harpenden

Our Harpenden mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Luton, St Albans, Wheathampstead, Hemel Hempstead, Flamstead, Fisherstreet and Kimpton.

Which banks are local to you?


  • Barclays Bank Plc - 16 High St, Harpenden AL5 2TD
  • HSBC Bank Plc - 1 High St, Harpenden AL5 2RS
  • Natwest Bank Plc - 21 High St, Bower's Parade, Harpenden AL5 2RY

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Whole Market Access

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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FREE mortgage consultations for Harpenden

Mortgage Brokers Harpenden offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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

Harpenden Mortgage Broker Insider Tips

Get together all the required official paperwork you'll need for your conveyancing..

  • For ID purposes, you'll normally require an up-to-date passport and/or driving licence with a current home address.
  • You'll need to provide proof of funds; as an employee, you'll need at least the last 3 months' payslips and a P60; if you're self-employed, you'll need your SA302 from HMRC (you need to allow for a time lapse if you have to order this) or accounts covering the last 3 years.
  • If you're selling, you need any relevant documents detailing planning consents or building regulation approval and any guarantees for works or fittings and things like boiler safety certificates..

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