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How to get a mortgage - or remortgage - in Welwyn Garden City


Welwyn Garden City is a town in Hertfordshire County, around 19 miles north of London. It is a popular commuter town, garden city and new town. Landmarks there include the Hawthorne Theatre for theatre productions, Stanborough Park for recreation and the New Maynard Gallery for artwork exhibitions.

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 

Unused credit cards and store cards? Cut them up!

Access to too much available credit that you don't use at all can negatively impact your credit rating. In other words, the difference between taking a small amount of credit on a card and then paying it off correctly is preferable to having the card but not using it at all. The best thing to do with credit cards and store cards that you don't use at all is to destroy them.

Conversely, you shouldn't 'max out' any one credit card – you are better off using less than 50% of available credit on any one card and taking on another one if you are maxing one out to spread your credit (ensuring that you pay down the card which you max out of course!). Additionally, dormant bank accounts which have good credit histories are best left open – these can benefit your credit score.
Top Mortgage Lenders 

Interest-only Mortgage

Your repayments for an interest-only mortgage only go towards paying for the interest on the loan. The actual loan capital has to be paid off using one or more other investment vehicles, such as an endowment fund – it does not work like a repayment mortgage, where you develop an increasing equity in the property over time.

Interest-only mortgages are only open to commercial mortgage applicants, including, most notably, those looking to buy to let.
AL7 2BF

Property Price Stats for Welwyn Garden City


Average property price in Welwyn Garden City £335,673
% Change compared to last year 12%
Population of Welwyn Garden City ‎43,252 (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 Welwyn Garden City

  • 16 Heathcroft, Welwyn Garden City, HERTS AL7 2BF
  • 141 Daniells, Welwyn Garden City, HERTS AL7 1QP
  • 15 Howardsgate, Welwyn Garden City, HERTS AL8 6AA
  • 47 Moors Walk, Welwyn Garden City, HERTS AL7 2BQ
  • 142 Peartree Ln, Welwyn Garden City, HERTS AL7 3XW

Local High Street Banks in Welwyn Garden City

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

  • Natwest - 13 Stonehills, Welwyn Garden City AL8 6ND
  • Nationwide - 21 Stonehills, Welwyn Garden City AL8 6NA
  • Barclays - 12/12a Howard Centre, Welwyn Garden City AL8 6HA

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Mortgage Broker Tips for the Conveyancing Process

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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