Mortgage Broker Hitchin

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There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
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Available 8am to 7pm
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We handle the whole  Mortgage Process
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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 Hitchin

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 Hitchin Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Don't repeat past mistakes

Make sure you service any new lines of credit you take up correctly by ensuring that you make the correct repayments on time and by not overextending yourself, primarily. These actions will boost your credit score in the longer term.

Over time, your credit score will improve and any past mistakes you've made will have a decreasing impact.

Endowment Mortgage

Endowment mortgages refer to types of mortgage products associated with interest-only mortgages and so are therefore only open to non-residential customers at this time. Your repayments are made purely to pay for the interest levied with an interest-only mortgage. To pay off the capital, you need another investment vehicle and an endowment mortgage is one such approach to paying off the capital at the end of the mortgage.

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You make regular payments into an endowment, which is itself an investment fund, during the lifetime of the mortgage with the hope and expectation that the fund will grow large enough to cover the capital at the time of the mortgage expiring. Endowment funds always force you to take out life cover so the capital is covered in the event of your death.

There is no guarantee, however, that the endowment fund will actually cover the mortgage's capital when the mortgage expires, leaving a significant shortfall. This is because investment funds can of course decrease in size as well as increase, there is no absolute surety of success. This result was sometimes observed when residential clients used to be able to take out endowment mortgages and is one of the reasons why interest-only mortgages are no longer accessible to residential customers.


Hitchin is a market town in Hertfordshire County within North Hertfordshire District and has been rated as one of the best towns to live in in the UK. Local attractions include the British Schools Museum, Hitchin Lavender, the Half Moon pub and the Stotfold Watermill & Nature Reserve, for a family day out.

Property Price Stats for Hitchin


Average property price in Hitchin£345,078
% Change compared to last year15%
Population of Hitchin33,350 (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 Hitchin - Recently Completed

  • Tennyson Avenue, Hitchin, Herts, SG4 0PY
  • 92 Cambridge Road, Hitchin, SG4 0JH
  • 37 Dickens Boulevard, Stotfold, SG5 4FD
  • 23 Windermere Close, Stevenage, SG1 6AG
  • 175 Canterbury Way, Stevenage, Herts, SG1 4LG

Local High Street Banks in Hitchin

Mortgage Broker in and around Hitchin

Our Hitchin mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ickleford, Holwell, Pirton, Offley, St Ippolyts, Spellbrook and Letchworth.

Which banks are local to you?


  • Barclays - 5-6 High St, Hitchin SG5 1BH
  • Lloyds - 1 Bancroft, Hitchin SG5 1JQ
  • Natwest - 12 High St, Hitchin SG5 1YY

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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 Hitchin 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.

Hitchin Mortgage Broker Insider Tips

Get your signed documents to your conveyancing solicitors as soon as possible.

Your solicitor cannot exchange on your property in Hitchin until they have received your signed contract, transfer deed, mortgage deed and anything else required. Therefore it is so vital that you complete these as soon as possible and send them by the fastest possible method.

Often your solicitor will only accept signed originals of certain documents. Therefore it is important to account for slow postal delivery options.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote Fixed Fee – No Sale No Fee – On all Major Lender Panels