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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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How to get a mortgage - or remortgage - in Hitchin


Hitchin is a market town in Hertfordshire County within North Hertfordshire District and has been rated as one of the best towns to live in in the UK. Local attractions include the British Schools Museum, Hitchin Lavender, the Half Moon pub and the Stotfold Watermill & Nature Reserve, for a family day out.

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 repeat past mistakes

Make sure you service any new lines of credit you take up correctly by ensuring that you make the correct repayments on time and by not overextending yourself, primarily. These actions will boost your credit score in the longer term.

Over time, your credit score will improve and any past mistakes you've made will have a decreasing impact.
Top Mortgage Lenders 

Endowment Mortgage

Endowment mortgages refer to types of mortgage products associated with interest-only mortgages and so are therefore only open to non-residential customers at this time. Your repayments are made purely to pay for the interest levied with an interest-only mortgage. To pay off the capital, you need another investment vehicle and an endowment mortgage is one such approach to paying off the capital at the end of the mortgage.

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You make regular payments into an endowment, which is itself an investment fund, during the lifetime of the mortgage with the hope and expectation that the fund will grow large enough to cover the capital at the time of the mortgage expiring. Endowment funds always force you to take out life cover so the capital is covered in the event of your death.

There is no guarantee, however, that the endowment fund will actually cover the mortgage's capital when the mortgage expires, leaving a significant shortfall. This is because investment funds can of course decrease in size as well as increase, there is no absolute surety of success. This result was sometimes observed when residential clients used to be able to take out endowment mortgages and is one of the reasons why interest-only mortgages are no longer accessible to residential customers.
SG4 0PY

Property Price Stats for Hitchin


Average property price in Hitchin £345,078
% Change compared to last year 15%
Population of Hitchin 33,350 (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 Hitchin

  • 33 Tennyson Avenue, Hitchin, Herts, SG4 0PY
  • 92 Cambridge Road, Hitchin, SG4 0JH
  • 37 Dickens Boulevard, Stotfold, SG5 4FD
  • 23 Windermere Close, Stevenage, SG1 6AG
  • 175 Canterbury Way, Stevenage, Herts, SG1 4LG

Local High Street Banks in Hitchin

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

  • Barclays - 5-6 High St, Hitchin SG5 1BH
  • Lloyds - 1 Bancroft, Hitchin SG5 1JQ
  • Natwest - 12 High St, Hitchin SG5 1YY

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Mortgage Broker Tips for the Conveyancing Process

Receiving a gifted deposit? Ensure that the donor/s have their IDs and proof of funds to hand.

When you instruct a solicitor to buy or sell a property, you need to give them proof of ID and address and proof of funds. 

If you're being helped with deposit funds from family members etc., your solicitor will want to know who these people are and where their money in turn has come from and they will have to prepare a signed and witnessed gifted deposit declaration.

Ensuring that anyone gifting deposit funds to you has these items in readiness guards against unnecessary delays.

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