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Our Mortgage Broker Guide to getting a mortgage in Burnley

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 Burnley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Never apply for credit when you're likely to be rejected

It comes as a huge shock to some when they find out that, to add insult to injury, a failed application for credit not only means that they won't receive the credit but also means their credit score will take a hit.

You owe it yourself to find out your credit worthiness in the eyes of all 3 reference agencies and then only apply for credit if your score is sufficiently high.

First time buyer mortgage

First time buyer mortgages are those which are constructed to appeal particularly to those buying homes for the first time. Some lenders provide incentives such as cashback – a cash lump sum when you've just moved in is perhaps more likely to be attractive to a first time buyer who might have less property etc. than a home mover who has much of the fixtures and fittings to put in place in their new home already bought over the years.

Fixed term mortgages are another example of a device which can be very marketable towards first time buyers. They take these out to have the security of knowing exactly how much they'll need each month to make their repayments. They have to remember to organise a new fixed term when the initial one expires to avoid going on a lender's standard variable rate, but the incentive of saving cash through organising this, perhaps by selecting a new mortgage provider, is arguably likely to appeal as well.


Burnley has been a market town for more than 700 years and is located just over 20 miles to the north of Manchester, in Lancashire. It expanded greatly in the Industrial Revolution period and was one of the world's largest producers of cotton cloth. It's retained a thriving manufacturing sector, with strong economic links both to Manchester and Leeds.

Landmarks and attractions in the locale include St Peter's Church, which dates from the 15th century; Weaver's Triangle, which contains a number of 19thcentury industrial buildings; the Singing Ringing Tree, a wind-powered sculpture; Towneley Hall, a stately home dating back around 500 years; Gawthorpe Hall; Towneley Park; Thompson Park; Burnley Balloon Festival and Burnley International Rock and Blues Festival.

BB11 1BA

Property Price Stats for Burnley


Average property price in Burnley £104,401
% Change compared to last year 0%
Population of Burnley 73,021 (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 Burnley - Recently Completed

  • Grey Street, Burnley BB10 1BZ
  • Lydgate, Burnley BB10 2DU
  • Heath Street, Burnley BB10 3BL
  • Casterton Avenue, Burnley BB10 2PQ
  • Loxley Gardens, Burnley BB12 6PW

Local High Street Banks in Burnley

Mortgage Broker in and around Burnley

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

Which banks are local to you?


  • Yorkshire Bank - 25 Manchester Rd, Burnley BB11 1HX
  • Lloyds Bank - 7 Manchester Rd, Burnley BB11 1HT
  • HSBC Bank Plc - 12 Manchester Rd, Burnley BB11 1JH

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Mortgage Brokers Burnley 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.

Burnley Mortgage Broker Insider Tips

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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