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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

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

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

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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

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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

If you're buying, getting a structural assessment (Building Survey) of your property in Bradford from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Bradford is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

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