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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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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 St Albans


St Albans is a pleasant, affluent city in Hertfordshire around 19 miles to the north north-west of London. It is principally known for its Roman ruins (Verulamium) and has other strong historical associations.

St Albans Cathedral and Old Gorhambury House are all worth visiting. The Cathedral & Abbey Church host host various theatrical events. Nearby Borehamwood is known for its film and television studios. The University of Hertfordshire has a campus in nearby Hatfield.

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 'put all your eggs in one basket' by maxing out just one credit card

Apart from the negative impact on your credit score that maxing out can bring if your credit ratio is too high, maxing out just one credit card can curtail your ability to respond to an emergency.

This might occur, for example, if your car breaks down unexpectedly and you have to pay for a mechanic. A good strategy is to hold at least one other spare credit card for purposes such as this.
Top Mortgage Lenders 

Bridging Finance

Bridging finance is short term funding which is strongly connected to buying homes and the property market. It can be used to:

  • Bridge the finance gap between selling a property and purchasing another;
  • Help buy dilapidated properties to 'do up'; and
  • Help buy auction properties.
As with all loans, you need to convince lenders that the money will be repaid and you'll only normally get bridging finance if the loan is secured against other commercial or residential properties.

If you are eligible, you can normally arrange bridging finance relatively quickly. It is set up on a bespoke basis and is invariably relatively expensive.
AL1 3AA

Property Price Stats for St Albans


Average property price in St Albans £484,282
% Change compared to last year 9%
Population of St Albans 57,795 (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 St Albans

  • 2 Buttermere Close, St Albans, Herts, AL1 5TD
  • 2 Buttermere Close, St Albans, Herts, AL1 5TD
  • 69 Normandy Road, St Albans, Hertfordshire, AL3 5PT
  • 2 Cadoxton Place, 29 Avenue Road, St Albans, Hertfordshire, AL1 3PY
  • 8 Westbourne Mews, St Albans, Herts, AL1 1LS

Local High Street Banks in St Albans

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

  • Metro Bank Plc - 77 St Peter's St, St Albans AL1 3ED
  • HSBC Bank Plc - 31 Chequer St, St Albans AL1 3YN
  • Lloyds Bank Plc - 36 Chequer St, St Albans AL1 3YQ

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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

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