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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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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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Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Harrogate


Harrogate is a spa town in North Yorkshire County in Yorkshire Ceremonial County and is frequently listed as one of the most desirable places to live in the UK. Landmarks and attractions include the Royal Hall Theatre, the only surviving Kursaal in Britain and Bettys Tea Rooms. Parks and gardens include the Valley Gardens and the Stray, among many others.

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 

Avoid payday loans if at all possible

Payday loans are short term loans with much higher APRs than would be applied to a regular bank loan – the charge for borrowing the money is very expensive. Taking up a payday loan can cause a mortgage application to be rejected automatically.

Mortgage underwriters often reject applicants who have taken up payday loans because they see this as evidence of poor money management.
Top Mortgage Lenders 

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage; their interest rate tracks another rate which is predominantly the Bank of England base rate.,/div>

These types of mortgage are best to opt for if you understand the potential risks involved. Any variable rate mortgage can see repayments going up as well as down meaning that while there is a potential to gain from falling payments, there is also clearly the potential to lose and you should ensure that your finances are flexible enough to accommodate a rate rise.
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Property Price Stats for Harrogate


Average property price in Harrogate £300,216
% Change compared to last year 10%
Population of Harrogate 75,950 (2013)


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 Harrogate

  • Flat 3, 77 Valley Drive, Harrogate HG2 0JP
  • 62 Burley Avenue, Killinghall, Harrogate HG3 2RY
  • Eden Park, Haggs Road, Follifoot, Harrogate HG3 1EQ
  • 53 Leeds Rd, Harrogate HG2 8BE
  • 12 Grantley Dr, Harrogate HG3 2XS

Local High Street Banks in Harrogate

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

  • HSBC - 7 Prospect Crescent, Harrogate, North Yorkshire HG1 1RN
  • Lloyds - 8 - 11 Cambridge Street, Harrogate, North Yorkshire HG1 1PQ
  • Leeds Building Society - 12 Oxford Street, Harrogate, North Yorkshire HG1 1PU

Book a Free Mortgage Broker Consultation
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Mortgage Broker Tips for the Conveyancing Process

Only use solicitors who have been entrusted with the Conveyancing Quality Scheme (CQS) award..

All solicitors are not the same! The Law Society only gives its Conveyancing Quality Scheme award to applicant solicitor firms who have passed strict quality control assessments and can prove that their standards of experience, qualification and professionalism are sufficiently high.

SAM Conveyancing only employs CQS solicitors who proactively manage all their clients.

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