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

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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 Luton


Luton is a large town in Bedfordshire and, along with nearby Dunstable and Houghton Regis, it forms the Luton/Dunstable urban area. Luton is 20 miles east of Aylesbury, 30 miles north-northwest of London, 22 miles from Milton Keynes and 14 miles west of Stevenage.

Luton has a thriving town centre (it hosts the largest one-day carnival in Europe). Attractions include nearby Whipsnade Zoo and safari park in Dunstable, which offers great family entertainment, and Dunstable Downs, with their great vistas of the Chiltern Hills.

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 

Struggling to make repayments? Ask the lender if you can reduce the amount

If you are 'treading water' and struggling to make all your repayments, you may want to contact your creditors to arrange – even if temporarily – to reduce the repayment amount(s).

Your credit score is much less likely to be harmed if you continue to make reduced payments rather than defaulting on any.
Top Mortgage Lenders 

Self-employed mortgage

Getting a conventional mortgage can be a huge challenge for those self-employed because of difficulties in establishing adequate proof to a lender that their business is sound and trading well and that future prospects will bring in enough to make the necessary monthly mortgage repayments.

Self-employed mortgages are specifically aimed at this group and normally require applicants to provide at least 2 years' worth of company accounts, SA302s or tax returns and possibly evidence of future work lined up. Click to find out more about Self-Employed Mortgages
LU1 4EE

Property Price Stats for Luton


Average property price in Luton £217,675
% Change compared to last year 17%
Population of Luton 240,000


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 Luton

  • 2 Celandine Drive, Luton, Bedfordshire, LU3 4AH
  • 10 Dexter Close, Luton, Bedfordshire, LU3 4DX
  • 47 Brompton Avenue, Luton, Bedfordshire, LU3 3QS
  • 19 Ley Hill Drive, Luton, Bedfordshire, LU1 5QA
  • 1a Ashwell Avenue, Luton, Bedfordshire, LU3 3AY

Local High Street Banks in Luton

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

  • Lloyds Bank Plc - 60 George St, Luton LU1 2BB
  • Natwest Bank Plc - 31 George St, Luton LU1 2YN
  • Barclays Bank Plc - 170 Dunstable Rd, Luton LU1 1EW

Book a Free Mortgage Broker Consultation
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Appointments available today
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Best first time buyer mortgage brokers

Mortgage Broker Tips for the Conveyancing Process

Selling? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search