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How to get a mortgage - or remortgage - in Harpenden


Harpenden is a commuter town in Hertfordshire County in the City of St Albans district. It is located between St Albans and Luton and is flanked by Wheathampstead and Redbourn villages. Rothamsted Park in the locale is an excellent outdoor space for great walks and other leisure activities. Harpenden Public Halls in Southdown Road have a 400-seat theatre and a 100-seat studio where you can enjoy entertainments such as theatre, music, film and comedy performances.

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 

Don't apply for credit unless you absolutely need it

While taking up a small amount of credit and paying it back on time is helpful for improving your score if you've not had credit before, as a general rule you should not use credit to pay for something unless you absolutely need to.

Each time you apply for credit, a hard inquiry is made into your credit worthiness and of itself this negatively impacts your credit score. So one way to keep your score higher is to limit these hard inquiries. Besides, if you can afford to pay for something outright, you'll avoid having to pay out extra in the longer term in interest payments.
Top Mortgage Lenders 

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages
AL5 4AA

Property Price Stats for Harpenden


Average property price in Harpenden £751,226
% Change compared to last year 7%
Population of Harpenden 29,448 (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

RECENTLY COMPLETED MOVES IN Harpenden

  • Cedarwood, Spring Road, Harpenden, Hertfordshire, AL5 3PP
  • 71 Crabtree Lane, Harpenden, Hertforshire, AL5 5PX
  • 18 Glebe Road, Welwyn, Hertfordshire, AL6 9PB
  • Station Rd, Harpenden AL5 4AA
  • Luton Rd, Harpenden AL5 3NF

Local High Street Banks in Harpenden

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

  • Barclays Bank Plc - 16 High St, Harpenden AL5 2TD
  • HSBC Bank Plc - 1 High St, Harpenden AL5 2RS
  • Natwest Bank Plc - 21 High St, Bower's Parade, Harpenden AL5 2RY

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Mortgage Broker Tips for the Conveyancing Process

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 Harpenden.

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!

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