Mortgage Broker Harrogate

Book your Free Mortgage Consultation today

There's no need to wait days to speak to a mortgage lender direct when you can get a FREE  mortgage consultation with our Mortgage Advisor today who has access to the whole of the mortgage market and the best mortgage rates.

 
I agree to Terms and Privacy Policy
Green Tick
Green Tick
Green Tick
Green Tick
Green Tick
Free Mortgage Consultation*
No need for Face to Face meeting
Available 8am to 7pm
Bespoke Mortgage Rates**
We handle the whole  Mortgage Process
* Terms and Conditions apply
** Not available when applying direct with the mortgage lender
Proud of our Reviews
SAM Conveyancing Reviews
SAM Conveyancing Reviews  322 Google Reviews
Fast Mortgage Applications with SAM Conveyancing
calc.png

Use our
Mortgage Calculator

Our Mortgage Broker Guide to getting a mortgage in Harrogate

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 Harrogate Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage Broker Tip 2

Avoid payday loans if at all possible

Payday loans are short term loans with much higher APRs than would be applied to a regular bank loan – the charge for borrowing the money is very expensive. Taking up a payday loan can cause a mortgage application to be rejected automatically.

Mortgage underwriters often reject applicants who have taken up payday loans because they see this as evidence of poor money management.

Tracker Mortgage

Tracker mortgages are a type of variable rate mortgage; their interest rate tracks another rate which is predominantly the Bank of England base rate.,/div>

These types of mortgage are best to opt for if you understand the potential risks involved. Any variable rate mortgage can see repayments going up as well as down meaning that while there is a potential to gain from falling payments, there is also clearly the potential to lose and you should ensure that your finances are flexible enough to accommodate a rate rise.


Harrogate is a spa town in North Yorkshire County in Yorkshire Ceremonial County and is frequently listed as one of the most desirable places to live in the UK. Landmarks and attractions include the Royal Hall Theatre, the only surviving Kursaal in Britain and Bettys Tea Rooms. Parks and gardens include the Valley Gardens and the Stray, among many others.

Property Price Stats for Harrogate


Average property price in Harrogate£300,216
% Change compared to last year10%
Population of Harrogate75,950 (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 Harrogate - Recently Completed

  • Valley Drive, Harrogate HG2 0JP
  • 62 Burley Avenue, Killinghall, Harrogate HG3 2RY
  • Eden Park, Haggs Road, Follifoot, Harrogate HG3 1EQ
  • 53 Leeds Rd, Harrogate HG2 8BE
  • 12 Grantley Dr, Harrogate HG3 2XS

Local High Street Banks in Harrogate

Mortgage Broker in and around Harrogate

Our Harrogate mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ripley, Killinghall, Kettlesing Bottom, Beckwithshaw, Allerton Mauleverer, Wetherby and Pool in Wharfedale.

Which banks are local to you?


  • HSBC - 7 Prospect Crescent, Harrogate, North Yorkshire HG1 1RN
  • Lloyds - 8 - 11 Cambridge Street, Harrogate, North Yorkshire HG1 1PQ
  • Leeds Building Society - 12 Oxford Street, Harrogate, North Yorkshire HG1 1PU

Book a Free Mortgage Broker Consultation
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers
Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Harrogate

Mortgage Brokers Harrogate offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Harrogate Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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