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

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FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is free to use and remembers your progress.

 
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Whole Market Access

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 Hertfordshire


Hertfordshire is a county just to the north of the Greater London area and as such is one of the so-called home counties. Hertford is the county's county town, but there are a number of much larger settlements such as St Albans and Stevenage. Many of these serve as commuter dormitory towns for workers in London.

Landmarks include Hatfield House (Jacobean), St Albans' Roman remains (Verulamium), Knebworth House (the grounds have often hosted major outdoor concerts and the de Havilland Aicraft Heritage Centre. The county has many affluent areas, often in relatively small villages, such as Well Pond Green in Standon. Hertfordshire also hosts the University of Hertfordshire, which is divided up between a number of campuses.

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 

No credit history? Take out a small loan and repay it completely

If you've no credit history, your credit score will not be excellent because you'll have no track record of paying back a loan correctly. So you might want to take out a small loan – with small repayment amounts – and pay the loan back on time.

Once you've paid back the loan successfully, this will be reflected in an uplift in your credit score.
Top Mortgage Lenders 

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages
WD23 2GE

Property Price Stats for Hertfordshire


Average property price in Hertfordshire £407,025
% Change compared to last year 9%
Population of Hertfordshire 1,154,800 (2014)


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 Hertfordshire

  • 14 Bushey Hall Park Bushey Hall Drive, Bushey, Hertfordshire WD23 2GE
  • 7 Rodgers Close, Elstree, Borehamwood, Hertfordshire WD6 3HN
  • 48 Vale Road, Bushey, Hertfordshire. WD23 2HE
  • 171 Windmill Road, Hemel Hempstead, Hertfordshire. HP2 4BY
  • 19 Mercia Road, Baldock, Hertfordshire, SG7 6RZ

Local High Street Banks in Hertfordshire

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

  • Lloyds 1 Bircherley St, Hertford SG14 1BU
  • Barclays - 12 Market St, Hertford SG14 1BD
  • HSBC - 36 Fore St, Hertford SG14 1BS

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Mortgage Broker Tips for the Conveyancing Process

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

Click to order your Property Searches