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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 BrokerTip 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.

HG2 0JP

Property Price Stats for Harrogate


Average property price in Harrogate £300,216
% Change compared to last year 10%
Population of Harrogate 75,950 (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

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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.

Harrogate Mortgage Broker Insider Tips

Agree a date you want to compete by as soon as your offer is accepted

Even though you may not actually end up moving on the date you agree at this point, it is likely to focus any chain on a timeframe for exchange of contracts and completion, which is likely to save considerable time overall.

Ask your solicitor to inform all other parties of your preferred timeline.

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