Mortgage Broker Hemel Hempstead

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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 Broker Tip 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.

Property Price Stats for Hemel Hempstead


Average property price in Hemel Hempstead£321,967
% Change compared to last year11%
Population of Hemel Hempstead94,932 (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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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 Hemel Hempstead 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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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

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

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