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Our Mortgage Broker Guide to getting a mortgage in Flitwick

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 Flitwick Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep your personal debt to a minimum

Stating the obvious maybe and far easier to say than to do but you will do far more for yourself than improve your credit score if you do this.

Credit cards certainly have their uses but can easily be overused. You should ensure that you are paying as little as you can for their use by keeping their balances down, ensuring you make the correct repayments and by sensibly shifting balances to cards which carry less interest (while not maxing out any particular card). Additionally you should pay off debts before you save money as a general rule.

Discount Mortgage

Discount mortgages are a subsection within variable rate mortgages with the discount being applied to the lender's standard variable rate (SVR), which is itself linked to the Bank of England's base rate, although the lender can chose to alter its SVR autonomously.

You benefit from the discount although you are taking a risk that the rate won't suddenly increase, leaving you with increased repayments regardless of your discount. You should also be aware that the discount normally operates for a fixed period of time. Once this period has elapsed, you are placed onto the lender's SVR although you can change mortgages and/or mortgage providers at any point. During the time of the fix, however, there are likely to be large repayment charges levied if you opt to leave early.


Flitwick is a small town in Central Bedfordshire in Bedfordshire County. Landmarks include Flitwick Manor House (now a hotel and restaurant) and The Mount, which is the remains of a Norman motte and bailey castle. Flitwick Moor, nearby, is a nature reserve for those seeking outdoor recreation.

MK45 1DD

Property Price Stats for Flitwick


Average property price in Flitwick £255,210
% Change compared to last year 6%
Population of Flitwick 13,400 (2013)


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 Flitwick - Recently Completed

  • Catherine Rd, Flitwick, Bedford, Central Bedfordshire MK45 1DD
  • 7 Milton Road, Flitwick, Bedfordshire, MK45 1QA
  • 15 Station Rd, Flitwick, Bedford MK45 1DP
  • 4 Neotsbury Road Ampthill Bedfordshire MK45 2SU
  • 133 High Street, Clophill, Bedford, Bedfordshire MK45 4BJ

Local High Street Banks in Flitwick

Mortgage Broker in and around Flitwick

Our Flitwick mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Millbrook, Ampthill, Maulden, Greenfield, Pulloxhill, Westoning and Steppingley.

Which banks are local to you?


  • Barclays - 3 Station Road, Flitwick. Bedfordshire MK45 1JS
  • Natwest - 8 Church Street, Ampthill, Bedfordshire MK45 2ET
  • TSB - 22a Bedford Road, Barton-le-clay, Bedfordshire MK45 4PP

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Flitwick Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Flitwick which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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