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Our Mortgage Broker Guide to getting a mortgage in Bradford

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 Bradford Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

A bad credit rating can make borrowing expensive – keep it at a satisfactory level

One very good reason to keep up your credit rating, by making timely repayments etc., is that if your rating drops, you might find that you have to pay higher APRs on further credit and/or are offered reduced sums of money when you apply for them.

Guarantor Mortgage

Guarantor mortgages enable associates (most often family members) of a would-be home buyer to help the mortgagor's application for a mortgage by typically guaranteeing that the required loan repayments will be made.

In order to do this, the guarantor most often has offer their own property as collateral against the mortgaged property, so the risk is that they could lose their own home. However, if the mortgage applicant they help does make the right repayments, then the guarantor won't have to pay anything.


Bradford is a city in West Yorkshire, around 9 miles west of Leeds and slightly more than 200 miles north north-west of London. It is a city with a great history with many cultural attractions and numerous parks and gardens.

Landmarks and attractions include Bradford Cathedral, the city’s oldest (and medieval) building, Boiling Hall, St George’s Hall, the Alhambra Theatre, the Pictureville Cinema (inside the National Media Museum) and Lister Park, which contains the Mughal Water Gardens.

BD1 3HN

Property Price Stats for Bradford


Average property price in Bradford £118,302
% Change compared to last year 9%
Population of Bradford 293,277 (2001)


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 Bradford - Recently Completed

  • 38 Darley St, Bradford BD1 3HN
  • 260 Barkerend Rd, Bradford BD3 9DB
  • 33 Beckside Rd, Bradford BD7 2JN
  • 190 Haworth Rd, Bradford BD9 6NJ
  • 13 Fairy Dell, Bingley, BD16 1PP

Local High Street Banks in Bradford

Mortgage Broker in and around Bradford

Our Bradford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bingley, Shipley, Pudsey, Morley, Thornton, Horbury and Cleckheaton.

Which banks are local to you?


  • TSB - 4 Tyrrel St, Bradford BD1 1RJ
  • HSBC - 47 Market St, Bradford BD1 1LW
  • Barclays - 10 Market St, Bradford BD1 1EG

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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.

Bradford Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Bradford.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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

FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.