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Our Mortgage Broker Guide to getting a mortgage in Hertford

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 Hertford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your main 3 credit scores

There are currently 3 main credit reference agencies, namely Equifax, Experian and Callcredit. Each one can hold slightly different information about you and has a different algorithm for calculating your credit score.

By checking the files of all 3 companies, you can ensure you eradicate any mistakes and best inform yourself of the likelihood that your application for a loan, for example a mortgage, will be accepted.

Repayment Mortgage

If you are a residential home buyer buying with a mortgage, you will be taking out this kind of mortgage (interest-only mortgages can only be accessed by commercial buyers).

With a repayment mortgage, over the mortgage term – most often 25 years – you make monthly payments with part going towards paying off the interest on the loan and part going towards paying off the capital. As the term progresses and you pay more of the capital off, the interest element becomes smaller so more of your payment goes towards paying down the capital.

If you make all your monthly payments, you will have paid off the mortgage entirely by the end of the term and will then hold the full equity of your property yourself.


Hertford is the county town of Hertfordshire County and is around 20 miles north of Central London. Landmarks include Hertford Castle, the Corn Exchange, a leading entertainment venue, and the Prince Albert Cottage.

SG14 1DW

Property Price Stats for Hertford


Average property price in Hertford £352,873
% Change compared to last year 7%
Population of Hertford 25,909 (‎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 Hertford - Recently Completed

  • Maidenhead St, Hertford SG14 1DW
  • 24 Fleming Cres, Hertford SG14 2DJ
  • 12 Fleming Cres, Hertford SG14 2DJ
  • 16 Brickendon Ln, Hertford SG13 8HY
  • 121 High St, Watton at Stone, Hertford SG14 3SB

Local High Street Banks in Hertford

Mortgage Broker in and around Hertford

Our Hertford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Hertford Heath, Bayfordbury, Hertingfordbury, Broadoak End, Waterford, Walkern and Ware.

Which banks are local to you?


  • Barclays - 12 Market St, Hertford SG14 1BD
  • Lloyds - 1 Bircherley St, Hertford SG14 1BU
  • HSBC - 36 Fore St, Hertford SG14 1BS

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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.

Hertford Mortgage Broker Insider Tips

Receiving a gifted deposit? Ensure that the donor/s have their IDs and proof of funds to hand.

When you instruct a solicitor to buy or sell a property, you need to give them proof of ID and address and proof of funds. 

If you're being helped with deposit funds from family members etc., your solicitor will want to know who these people are and where their money in turn has come from and they will have to prepare a signed and witnessed gifted deposit declaration.

Ensuring that anyone gifting deposit funds to you has these items in readiness guards against unnecessary delays.

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