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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.


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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 Harpenden 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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How to get a mortgage - or remortgage - in Harpenden


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.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

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.
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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
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

RECENTLY COMPLETED MOVES IN Harpenden

  • Cedarwood, 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

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Luton, St Albans, Wheathampstead, Hemel Hempstead, Flamstead, Fisherstreet and Kimpton.


  • 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 Broker Tips for the Conveyancing Process

If your home purchase in Harpenden is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels