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Our Mortgage Broker Guide to getting a mortgage in Hemel Hempstead

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 Hemel Hempstead Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Start by checking all your credit scores

You won't know how lending organisations view you as a credit risk unless you check what score you've been given by the 3 main reference agencies.

If there are any mistakes, you can apply to them to correct them and if you have to take action to improve your situation, then you'll know to do so. You should recheck your credit scores at regular intervals and particularly before you try to take out a large loan.

Variable Rate Mortgage

Variable rate mortgages are mortgage loans where the interest rate payable on the loan can go up or down because it moves along with an underlying index, most commonly the Bank of England base rate (although your lender may have the right to change the rate autonomously, without there being any change in the base rate).

Often, the initial interest rate charged on this kind of mortgage can be cheaper than that offered in a fixed rate mortgage, however this is subject to change. One plus of a variable rate mortgage is that you can leave it at any time without charge; in comparison, early repayment charges levied for leaving a fixed interest mortgage are very high.


Hemel Hempstead is a large new town in Hertfordshire County, 24 miles northwest of Central London. It is part of the district and borough of Dacorum. Each of Hemel Hempstead's districts has a residential area centred around a parade or square of shops.

In the locale, there are a number of country houses and estates with grounds which you can visit for recreational purposes. These include Ashridge, Hatfield House (which is an ornate Jacobean mansion) and Knebworth House, which has frequently been used over the years as a concert venue.

HP2 4EP

Property Price Stats for Hemel Hempstead


Average property price in Hemel Hempstead £321,967
% Change compared to last year 11%
Population of Hemel Hempstead 94,932 (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 Hemel Hempstead - Recently Completed

  • Feacey Down, Hemel Hempstead, Herts, HP1 3ES
  • 8 Claymore, Grove Hill, Hemel Hempstead, Hertfordshire, HP2 6LL
  • 88 Weymouth Street, Hemel Hempstead, Hertfordshire, HP3 9SH
  • 26 Trebellan Drive, Hemel Hempstead, Hertfordshire, HP2 5EL
  • 7 Charles Street, Hemel Hempstead, Hertfordshire, HP1 1JH

Local High Street Banks in Hemel Hempstead

Mortgage Broker in and around Hemel Hempstead

Our Hemel Hempstead mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kings Langley, Berkhamstead, Bourne End, St Albans, Church End, Loudwater and Sarratt.

Which banks are local to you?


  • Lloyds Bank Plc - 39 Wood Lane End, Hemel Hempstead HP2 4RD
  • Natwest Bank Plc - 9 Bank Ct, Hemel Hempstead HP1 1BS
  • Metro Bank Plc - 246 Marlowes, Hemel Hempstead HP1 1BL

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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.

Hemel Hempstead Mortgage Broker Insider Tips

Get together all the required official paperwork you'll need for your conveyancing..

  • For ID purposes, you'll normally require an up-to-date passport and/or driving licence with a current home address.
  • You'll need to provide proof of funds; as an employee, you'll need at least the last 3 months' payslips and a P60; if you're self-employed, you'll need your SA302 from HMRC (you need to allow for a time lapse if you have to order this) or accounts covering the last 3 years.
  • If you're selling, you need any relevant documents detailing planning consents or building regulation approval and any guarantees for works or fittings and things like boiler safety certificates..

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