Mortgage Broker Hartlepool

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** Not available when applying direct with the mortgage lender
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Our Mortgage Broker Guide to getting a mortgage in Hartlepool

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 Hartlepool Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Get a credit card – but use it wisely

In general, people view those who have a credit card and use it responsibly, paying it off regularly on time, as more trustworthy than those who do not have a credit card at all. This trust means lenders are more likely to lend to people who have credit cards.

Managing your credit card badly can have a huge effect on your credit score. Keep your credit at manageable levels and never take cash out from your credit card (unless it is an emergency)!

Fixed Rate Mortgage

A fixed rate mortgage is almost self-explanatory – your interest rate is fixed. This means if the Bank of England base rate suddenly increases, your interest rate will stay fixed. In other words, the Bank of England base rate has no affect on your rate.

The disadvantage of this type of mortgage is if the base rate decreases, yours will stay high. It is a risk you have to be willing to take. Initially fixed rate mortgages tend to have a higher interest rate that variable mortgages but it gives you the security of knowing exactly how much your monthly repayments will be.


Hartlepool is a pleasant town that lies on the coastline of the North Sea. It is situated 8 miles north of Middlesbrough and 17 miles south of Sunderland. Founded in the 7th century, Hartlepool was home to many monks and nuns as the Hartlepool Abbey was established in 640. In 649 St. Hilda was appointed the second abbess of the abbey. It is unknown what happened to the abbey, but to this day St Hilda’s Church has been built in its place.

The port of the town is thought to have been first used in the Middle Ages. In 1833 the port was extended and by 1900 it became one of the three busiest ports in England.

The Middleton Grange Shopping Centre was opened by Princess Anne in 1970. The growth in the number of shops meant the unemployment rate dropped where it had previously risen after the Second World War. The shopping centre is still open and has many common high street stores.

Property Price Stats for Hartlepool


Average property price in Hartlepool£132,548
% Change compared to last year0%
Population of Hartlepool92,090 (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 Hartlepool - Recently Completed

  • Raby Rd, Hartlepool TS24 8DT
  • Catcote Rd, Hartlepool TS25 4HG
  • Middleton Grange Ln, Hartlepool TS24 7RR
  • Brus Corner, Hartlepool TS24 9LA
  • Elizabeth Way, Seaton Carew, Hartlepool TS25 2AX

Local High Street Banks in Hartlepool

Mortgage Broker in and around Hartlepool

Our Hartlepool mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Middleton, High Throston, Brierton, Dalton Piercy, Hart, Elwick and Greatham.

Which banks are local to you?


  • Barclays Bank - York Rd, Hartlepool TS26 9BT
  • NatWest - York Rd, Hartlepool TS26 9DZ
  • Virgin Money - York Rd, Hartlepool TS26 9DR

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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 Hartlepool 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.

Hartlepool Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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