Mortgage Broker Ripon

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Free Mortgage Consultation*
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Available 8am to 7pm
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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 Ripon

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 Ripon Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Pay all your bills on time

Late payments, even if only by a few days, can affect your credit rating negatively

Wherever you can, set up automatic repayments via direct debit and standing order. Make sure you make at least the minimum repayment where relevant and if applicable.

Variable Rate Mortgage

With this type of mortgage, the interest rate may vary. This means your repayments may go up and down, unlike with a fixed rate mortgage where each repayment is predictable.

The benefit of a variable rate mortgage is if the Bank of England base rate decreases, as will your repayments. But be aware that if the base rate increases, so will your repayments. If you are going to choose this type of mortgage, ensure you have the funds if the base rate increases.


Ripon is a City in the Borough of Harrogate, North Yorkshire. Historically part of the West Riding of Yorkshire, it is located at the confluence of two tributaries of the River Ure, the Laver and Skell. The city is noted for its main feature which is its cathedral. In the Tudor times Ripon, which strongly relied on its religious institutions, was negatively affected by the English Reformation under the rule of the king Henry VIII.

It's the third smallest city in England by population, being a city by virtue of containing a cathedral and it is close to Studley Royal Park and Fountains Abbey which form a UNESCO World Heritage Site. It has curious unique features such as the Ripon Hornblower and dancing traditions such as the Long Sword dance. It also has a famous eponymous racecourse.

Property Price Stats for Ripon


Average property price in Ripon£248,350
% Change compared to last year8%
Population of Ripon16,702 (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 Ripon - Recently Completed

  • Malham Drive, Harrogate, North Yorks HG3 2YQ
  • Harewood Road, Harrogate HG3 2TJ
  • Stonefall Avenue, Harrogate, North Yorks HG2 7NP
  • Mayfield Grove, Harrogate, North Yorks HG15EY
  • Kingsley Road, Harrogate, North Yorks HG1 4RF

Local High Street Banks in Ripon

Mortgage Broker in and around Ripon

Our Ripon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Boroughbridge, Harrogate, Knaresborough, Masham, Pateley Bridge, The Nidderdale AONB and Yorkshire Dales.

Which banks are local to you?


  • Santander Bank Plc - 15 Fishergate, Ripon, North Yorkshire HG4 1EA
  • Barclays Bank Plc - 7 Market Place East, Ripon, North Yorkshire, HG4 1BP
  • Lloyds Bank plc - 30 Market Place, Ripon, North Yorkshire HG4 1BN

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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 Ripon 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.

Ripon Mortgage Broker Insider Tips

By getting all of your signed documentation in to your solicitor in advance, you will get a better chance at a quick conveyancing process in Ripon.

Until your solicitor has your mortgage deed, signed contract, transfer deed, ID and other relevant documentation, they will not be able to exchange. This is not helped by the fact that some documents must be posted.

If this is the case, send as much correspondence as you can in one go and always do so via recorded delivery. This way, you can track the documents, find out when they were received and who signed for them. Lost documents can slow down the process and be very frustrating for all, especially if you have to wait for replacements for originals!

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