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Our Mortgage Broker Guide to getting a mortgage in Blackburn

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 Blackburn Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your scores with all 3 credit reference agencies

The 3 companies – CallCredit, Experian and Equifax – all use different methods to derive your score: you should therefore check all 3 to find out what points they've given you because you don't know which agencies a lender will check with.

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The additional benefit is that credit reference agencies occasionally do make mistakes, for example keeping an address on file which has become obsolete. You should always work quickly to make mistakes as you may end up being unfairly penalised and this can spiral, with resolution becoming a complicated matter!

No Deposit Mortgage

No deposit mortgages enable you to get a 100% loan to value ratio on your mortgage, i.e. the lender grants you a mortgage which covers the seller's full purchase price with no deposit required from you.

These mortgages normally work by requiring an associate of yours (often a family member) to leave some money in an account for a set period of time with the account being controlled during that time by the lender. If you default on your repayments, the lender has recourse to the money in the linked account, which the associate risks losing. Another method is requiring an associate to put up their house as security in case you default.

Interest rates on these products are likely to be higher than normal. Click on No Deposit Mortgages to find out more.


Blackburn is a cathedral town – known as a minster – and an industrial town in Lancashire just south of the Ribble Valley. It's been associated with the wool industry since the 13th century until the decline which accompanied deindustrialisation in the mid-20th century. The town received significant investment and redevelopment since 1958, both from the European Regional Development Fund and the government more generally.

Landmarks and attractions in the area include Blackburn Cathedral (formerly St Mary's Church); Ewood Park, which is the home of Blackburn Rovers Football Club; the Wainwright Bridge, Corporation Park and Witton Country Park.

BB1 6AT

Property Price Stats for Blackburn


Average property price in Blackburn £138,110
% Change compared to last year 0%
Population of Blackburn 117,963 (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

Mortgage Broker Blackburn - Recently Completed

  • Sandon Street, Blackburn BB2 2NS
  • Garnett Street, Blackburn BB3 3DT
  • Grimshaw Street, Darwen, Blackburn BB3 2QJ
  • Crewdson Street, Blackburn BB3 1ND
  • Oaklands Drive, Blackburn BB4 6SA

Local High Street Banks in Blackburn

Mortgage Broker in and around Blackburn

Our Blackburn mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Preston, Lancaster, Bradford, Halifax, Wigan, Bolton and Burnley.

Which banks are local to you?


  • Handelsbanken - Wallander House, Capricorn Business Park, Blakewater Rd, Blackburn BB1 5QR
  • TSB Bank Bank Plc - 98 Whalley New Rd, Bastwell Rd, Blackburn BB1 6LD
  • Lloyds Plc - Church St, Blackburn BB2 1JQ

Book a Free Mortgage Broker Consultation
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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Blackburn

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

Access Mortgage Providers Quickly

Fast mortgage appointments

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

Independent Mortgage Broker

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.

Book a Free Mortgage Broker Consultation

Blackburn Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

  • If you are using a mortgage to purchase your home in Blackburn and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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