Mortgage Broker Hemel Hempstead

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Our Mortgage Broker Guide to getting a mortgage in Hemel Hempstead

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 Hemel Hempstead Tip 1
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Mortgage Broker Tip 1

Mortgage Broker Tip 2

Start by checking all your credit scores

You won't know how lending organisations view you as a credit risk unless you check what score you've been given by the 3 main reference agencies.

If there are any mistakes, you can apply to them to correct them and if you have to take action to improve your situation, then you'll know to do so. You should recheck your credit scores at regular intervals and particularly before you try to take out a large loan.

Variable Rate Mortgage

Variable rate mortgages are mortgage loans where the interest rate payable on the loan can go up or down because it moves along with an underlying index, most commonly the Bank of England base rate (although your lender may have the right to change the rate autonomously, without there being any change in the base rate).

Often, the initial interest rate charged on this kind of mortgage can be cheaper than that offered in a fixed rate mortgage, however this is subject to change. One plus of a variable rate mortgage is that you can leave it at any time without charge; in comparison, early repayment charges levied for leaving a fixed interest mortgage are very high.


Hemel Hempstead is a large new town in Hertfordshire County, 24 miles northwest of Central London. It is part of the district and borough of Dacorum. Each of Hemel Hempstead's districts has a residential area centred around a parade or square of shops.

In the locale, there are a number of country houses and estates with grounds which you can visit for recreational purposes. These include Ashridge, Hatfield House (which is an ornate Jacobean mansion) and Knebworth House, which has frequently been used over the years as a concert venue.

Property Price Stats for Hemel Hempstead


Average property price in Hemel Hempstead£321,967
% Change compared to last year11%
Population of Hemel Hempstead94,932 (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 Hemel Hempstead - Recently Completed

  • Feacey Down, Hemel Hempstead, Herts, HP1 3ES
  • 8 Claymore, Grove Hill, Hemel Hempstead, Hertfordshire, HP2 6LL
  • 88 Weymouth Street, Hemel Hempstead, Hertfordshire, HP3 9SH
  • 26 Trebellan Drive, Hemel Hempstead, Hertfordshire, HP2 5EL
  • 7 Charles Street, Hemel Hempstead, Hertfordshire, HP1 1JH

Local High Street Banks in Hemel Hempstead

Mortgage Broker in and around Hemel Hempstead

Our Hemel Hempstead mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kings Langley, Berkhamstead, Bourne End, St Albans, Church End, Loudwater and Sarratt.

Which banks are local to you?


  • Lloyds Bank Plc - 39 Wood Lane End, Hemel Hempstead HP2 4RD
  • Natwest Bank Plc - 9 Bank Ct, Hemel Hempstead HP1 1BS
  • Metro Bank Plc - 246 Marlowes, Hemel Hempstead HP1 1BL

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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 Hemel Hempstead 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.

Hemel Hempstead Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Hemel Hempstead, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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