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Our Mortgage Broker Guide to getting a mortgage in Hatfield

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 Hatfield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Cancel out old addresses and accounts from your file

Old addresses – and accounts linked to old addresses – can play havoc with a mortgage application because of problems with ID checks.

You should ensure that old accounts are properly closed and that active accounts are linked to your present address.

Flexible Family Mortgage

Flexible family mortgages are designed such that family members can provide security for a mortgage for a first time buyer applicant.

Typically, a first time buyer might themselves have to provide a deposit of 5% of the selling price of the house they wish to buy and a family member puts a sum equating to 20% of the value of the home into an interest-bearing savings account which stands as security that the first time buyer will make the correct repayments.

Another option is the associate putting up a percentage of their own house as security for the loan and another is the associate placing savings into an account where the interest is offset against the first time buyer's mortgage interest, making repayments cheaper. The mortgage offered might involve any of these methods or some combination of all three.

As can be gleaned, the risks for the associate depend on the method adopted. They stand, for example, to lose a percentage of their house or the savings in an account set up as security.


Hatfield is an affluent town in in Welwyn Hatfield Borough in Hertfordshire County and has strong historical associations, being of Saxon origin. Attractions here include Hatfield House, with its expansive grounds, Mill Green Museum, which centres on a working 18th century watermill and The Galleria designer outlet centre.

AL10 9AZ

Property Price Stats for Hatfield


Average property price in Hatfield £284,898
% Change compared to last year 10%
Population of Hatfield 39,202 (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 Hatfield - Recently Completed

  • Mosquito Way, Hatfield, Hertfordshire AL10 9AZ
  • 40 Cottonfield, Hatfield, Hertfordshire, AL10 0DQ
  • 13 Clarkes Road, Hatfield, AL10 0HN
  • 44 Stockbreach Road, Hatfield, AL10 0BD
  • 84 Harwood Hill, Welwyn Garden City AL8 7AN

Local High Street Banks in Hatfield

Mortgage Broker in and around Hatfield

Our Hatfield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Lemsford, Sandridge, Oaklands, Tyttenhanger, Welham Green, Belmont and West End.

Which banks are local to you?


  • Lloyds - 39 Town Centre, Hatfield AL10 0JS
  • Barclays - 86 Town Centre, Hatfield AL10 0JP
  • Natwest - 35 Town Centre, Hatfield AL10 0JU

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Hatfield Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Hatfield, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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