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Your home may be repossessed if you do not keep up repayments on your mortgage.

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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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How to get a mortgage - or remortgage - in Baldock


Baldock is a large market town in Hertfordshire County, within the North Hertfordshire district and is around 33 miles north of London. The 13th century parish church of St Mary the Virgin is a prominent landmark and the town also hosts three annual fairs; the Baldock Festival, the Baldock Charter Fair and Balstock, a free music festival.

You are spoilt for choice in terms of museums here; there's the Baldock Museum, the First Garden City Heritage Musuem, the British Schools Museum to name a few. Nearby Knebworth House, in addition to being a 'living museum' as well (it's been the home of the Lytton family since 1490), has for a long time hosted concerts featuring some of the biggest names in modern music.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Dissolve any links to old partners

You should ensure that any links you have with old partners are removed – otherwise if they have a bad credit rating it will affect yours in turn.

You do this by contacting the relevant credit reference agency and asking for a notice of disassociation.
Top Mortgage Lenders 

Family Deposit Mortgage

Family deposit mortgages typically involve a close associate, normally a family member, placing money into a linked special savings account which is used as security against a mortgagor not making repayments on the mortgage loan.

If the mortgagor does default, the lender can look to make good any shortfall by taking cash out of the account in question, which it controls. One incentive for the associate is that savings interest is payable on the account in question so if the mortgagor does manage to make the correct, timely repayments, then, beyond locking up cash for some years, the close associate will have helped the mortgagor to buy a home while gaining interest on their savings and for no other cost.
SG7 6AE

Property Price Stats for Baldock


Average property price in Baldock £261,482
% Change compared to last year 6%
Population of Baldock 9,900


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

RECENTLY COMPLETED MOVES IN Baldock

  • Flat 2, 12 Hitchin Street, Baldock, HERTS, SG7 6AE
  • 19 Mercia Road, Baldock, Hertfordshire. SG7 6RZ
  • 8 Barley Rise, Baldock SG7 7RT
  • Doctors Cottage, Vintage Court, Hitchin Street, Baldock, SG7 6AR
  • 36 Whitehorse St, Baldock SG7 6QJ

Local High Street Banks in Baldock

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Baldock

  • Barclays - 1 Whitehorse St, Baldock SG7 6PY
  • HSBC - Station Rd, Letchworth Garden City SG6 3AJ
  • Lloyds - 4 Station Rd, Letchworth Garden City SG6 3BH

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Mortgage Broker Tips for the Conveyancing Process

Let your mortgage lender know if you are needing to work to a deadline.

  • If you are using a mortgage to purchase your home in Baldock and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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