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Our Mortgage Broker Guide to getting a mortgage in Bedford

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 Bedford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay all your bills on time

Late payments, even if only by a few days, can affect your credit rating negatively

Wherever you can, set up automatic repayments via direct debit and standing order. Make sure you make at least the minimum repayment where relevant and if applicable.

Joint Borrower Sole Proprietor Mortgage

Joint borrower sole proprietor mortgages enable mortgage applicants who do not have the affordability to get a mortgage on their own to team up with someone who is able to get a mortgage to secure the appropriate loan, then the latter person does not appear on the legal title.

It is advisable to draw up a deed of trust to protect each individual party's financial interest when buying a house in this way.

Click on Joint borrower Sole Proprietor Mortgages to find out more.


Bedford is the county town of Bedfordshire. Bedford Castle Mound, the remnant of Bedford's medieval castle, is a prominent landmark. The River Ouse passes through the town centre and is lined with gardens called The Embankment. The town houses the Higgins Art Gallery & Museum and The Panacea Museum. There are many shopping options and excellent cuisine choices, not least the selection of Italian cuisine, owing to the large Italian community in the town.

MK42 0PY

Property Price Stats for Bedford


Average property price in Bedford £231,374
% Change compared to last year 10%
Population of Bedford 79,190 (2005)


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 Bedford - Recently Completed

  • Ampthill Road, Silsoe, Bedford, Bedfordshire, MK45 4DE
  • 12 Catherine Rd, Flitwick, Bedford, Central Bedfordshire MK45 1DD
  • 52 Norman Road, Barton-Le-Clay, Bedford, Bedfordshire, MK45 4QD
  • 1 Oliver Street, Ampthill, Bedfordshire, MK45 2SA
  • 19 Burford Close, Luton, Bedfordshire, LU3 4DS

Local High Street Banks in Bedford

Mortgage Broker in and around Bedford

Our Bedford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Milton Keynes, Barton-Le-Clay, Warrington, Clophill, St Neots, Northampton and Biggleswade.

Which banks are local to you?


  • Barclays Bank Plc - 111 High St, Bedford MK40 1NJ
  • HSBC Bank Plc - 12 Allhallows, Bedford MK40 1LJ
  • Lloyds Bank Plc - 34 High St, Bedford MK40 1SB

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Mortgage Brokers Bedford offering free first consultation (terms apply).

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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.

Bedford Mortgage Broker Insider Tips

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.

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