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Our Mortgage Broker Guide to getting a mortgage in Harlow

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 Harlow Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

New to credit and want to increase your score? Get a credit card – and use it wisely

If you haven't had credit before, you won't have a very high credit score. You can help this by taking out a credit card and paying out a small amount on it each month (such as a subscription to Netflix). Ensure you set up a direct debit to repay the full amount each month so you don't get involved with having to repay the money subject to a large APR.

You don't have to ever use the card to take out money – this is very expensive and will actually hurt your credit score – and each time you make a repayment, your credit score will incrementally improve.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Harlow is a new town in Essex County on the Hertfordshire border and is also a local government district. It is a mix of a commercial and residential area, with many leisure options. Harlow Town Park is a 71 hectare park well-used for recreation and enjoyment. There are many attractions such as Harlow Greyhound Stadium, in Roydon Road, where you can have a great night out while watching greyhounds racing. The Gibberd Garden in Marsh Lane is a large garden with numerous sculptures dotted around and is great to explore; kids enjoy themselves by looking for particular exhibits and hidden items.

CM20 1AA

Property Price Stats for Harlow


Average property price in Harlow £261,058
% Change compared to last year 13%
Population of Harlow 81,944 (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 Harlow - Recently Completed

  • Southern Way, Harlow, Essex, CM18 7PJ
  • Stone Cross, Harlow CM20 1AA
  • 35 Newstead Way, Harlow, CM20 1BW
  • 196 Willowfield, Harlow, Essex, CM18 6RZ
  • 104 Hookfield, Harlow, Essex, CM18 6QL

Local High Street Banks in Harlow

Mortgage Broker in and around Harlow

Our Harlow mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Nazeing, Stanstead Abbots, Roydon, Thornwood, Sawbridgeworth, Hatfield and Broxbourne.

Which banks are local to you?


  • Lloyds Bank Plc - 25 E Gate, Harlow CM20 1LD
  • HSBC Bank Plc - 7B, The Water Gardens, S Gate, Essex, Harlow CM20 1AB
  • Barclays Bank Plc - The Water Gardens, 14 The Centre Southgate, S Gate, Harlow CM20 1AN

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Harlow Mortgage Broker Insider Tips

Selling? 'No chain' means less chances for delays..

If an estate agent tells you that, regarding a potential buyer, there is 'no chain', it means that that buyer doesn't have to sell another property in order to buy yours.

The more 'links' there are in a chain, inevitably there are more chances for delays as there are more people who have to coordinate any purchase with a balancing sale.

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