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Our Mortgage Broker Guide to getting a mortgage in Baldock

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Baldock Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Dissolve any links to old partners

You should ensure that any links you have with old partners are removed – otherwise if they have a bad credit rating it will affect yours in turn.

You do this by contacting the relevant credit reference agency and asking for a notice of disassociation.

Family Deposit Mortgage

Family deposit mortgages typically involve a close associate, normally a family member, placing money into a linked special savings account which is used as security against a mortgagor not making repayments on the mortgage loan.

If the mortgagor does default, the lender can look to make good any shortfall by taking cash out of the account in question, which it controls. One incentive for the associate is that savings interest is payable on the account in question so if the mortgagor does manage to make the correct, timely repayments, then, beyond locking up cash for some years, the close associate will have helped the mortgagor to buy a home while gaining interest on their savings and for no other cost.


Baldock is a large market town in Hertfordshire County, within the North Hertfordshire district and is around 33 miles north of London. The 13th century parish church of St Mary the Virgin is a prominent landmark and the town also hosts three annual fairs; the Baldock Festival, the Baldock Charter Fair and Balstock, a free music festival.

You are spoilt for choice in terms of museums here; there's the Baldock Museum, the First Garden City Heritage Musuem, the British Schools Museum to name a few. Nearby Knebworth House, in addition to being a 'living museum' as well (it's been the home of the Lytton family since 1490), has for a long time hosted concerts featuring some of the biggest names in modern music.

SG7 6AE

Property Price Stats for Baldock


Average property price in Baldock £261,482
% Change compared to last year 6%
Population of Baldock 9,900


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

Mortgage Broker Baldock - Recently Completed

  • Hitchin Street, Baldock, HERTS, SG7 6AE
  • 19 Mercia Road, Baldock, Hertfordshire. SG7 6RZ
  • 8 Barley Rise, Baldock SG7 7RT
  • Doctors Cottage, Vintage Court, Hitchin Street, Baldock, SG7 6AR
  • 36 Whitehorse St, Baldock SG7 6QJ

Local High Street Banks in Baldock

Mortgage Broker in and around Baldock

Our Baldock mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Clothall, Letchworth Garden City, Radwell, Stotfold, Bygrave, Brookmans Park and Ickleford.

Which banks are local to you?


  • Barclays - 1 Whitehorse St, Baldock SG7 6PY
  • HSBC - Station Rd, Letchworth Garden City SG6 3AJ
  • Lloyds - 4 Station Rd, Letchworth Garden City SG6 3BH

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Baldock Mortgage Broker Insider Tips

Order your property searches on instruction when moving home in Baldock.

  • Searches, especially from the local authority, can take some time to come back. This can mean that you are all ready for exchange but do not want to proceed because you have not had your search results back.
  • Being organised and booking searches early can mean you get this essential information as early as possible and can make a good, informed decision about whether or not to continue with the purchase.

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