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Our Mortgage Broker Guide to getting a mortgage in Harpenden

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 Harpenden Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't apply for credit unless you absolutely need it

While taking up a small amount of credit and paying it back on time is helpful for improving your score if you've not had credit before, as a general rule you should not use credit to pay for something unless you absolutely need to.

Each time you apply for credit, a hard inquiry is made into your credit worthiness and of itself this negatively impacts your credit score. So one way to keep your score higher is to limit these hard inquiries. Besides, if you can afford to pay for something outright, you'll avoid having to pay out extra in the longer term in interest payments.

Remortgage

When you already have a mortgage in place, there are various reasons why you might want to renew your mortgage or change providers. This is called getting a remortgage. You might have come to the end of a fixed interest term period, for example, and be seeking a new fixed interest term rather than going on to your lender's standard variable rate, or you might want to get a lump sum to carry out a loft conversion.

To find out more, click on Remortgages


Harpenden is a commuter town in Hertfordshire County in the City of St Albans district. It is located between St Albans and Luton and is flanked by Wheathampstead and Redbourn villages. Rothamsted Park in the locale is an excellent outdoor space for great walks and other leisure activities. Harpenden Public Halls in Southdown Road have a 400-seat theatre and a 100-seat studio where you can enjoy entertainments such as theatre, music, film and comedy performances.

AL5 4AA

Property Price Stats for Harpenden


Average property price in Harpenden £751,226
% Change compared to last year 7%
Population of Harpenden 29,448 (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 Harpenden - Recently Completed

  • Spring Road, Harpenden, Hertfordshire, AL5 3PP
  • 71 Crabtree Lane, Harpenden, Hertforshire, AL5 5PX
  • 18 Glebe Road, Welwyn, Hertfordshire, AL6 9PB
  • Station Rd, Harpenden AL5 4AA
  • Luton Rd, Harpenden AL5 3NF

Local High Street Banks in Harpenden

Mortgage Broker in and around Harpenden

Our Harpenden mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Luton, St Albans, Wheathampstead, Hemel Hempstead, Flamstead, Fisherstreet and Kimpton.

Which banks are local to you?


  • Barclays Bank Plc - 16 High St, Harpenden AL5 2TD
  • HSBC Bank Plc - 1 High St, Harpenden AL5 2RS
  • Natwest Bank Plc - 21 High St, Bower's Parade, Harpenden AL5 2RY

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Mortgage Brokers Harpenden 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.

Harpenden Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

  • If you are using a mortgage to purchase your home in Harpenden and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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