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Our Mortgage Broker Guide to getting a mortgage in Hertfordshire

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 Hertfordshire Tip 1
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No credit history? Take out a small loan and repay it completely

If you've no credit history, your credit score will not be excellent because you'll have no track record of paying back a loan correctly. So you might want to take out a small loan – with small repayment amounts – and pay the loan back on time.

Once you've paid back the loan successfully, this will be reflected in an uplift in your credit score.

No Deposit Mortgage

No deposit mortgages are designed such that the applicant gets a 100% loan to value (LTV) from the lender without having to provide the normal 10% deposit.

The applicant must, however, have an associate (most often a family member) who provides security for the mortgage loan normally by either agreeing to leave a sum of money in a linked account for a set period of time (the lender controls the account during that time period) or by putting up their own house as collateral.

If the mortgage holder defaults on repayments, the lender can remove funds from the linked account or force the associate to release value from their own home to make up the shortfall.

To find out more, click on No Deposit Mortgages


Hertfordshire is a county just to the north of the Greater London area and as such is one of the so-called home counties. Hertford is the county's county town, but there are a number of much larger settlements such as St Albans and Stevenage. Many of these serve as commuter dormitory towns for workers in London.

Landmarks include Hatfield House (Jacobean), St Albans' Roman remains (Verulamium), Knebworth House (the grounds have often hosted major outdoor concerts and the de Havilland Aicraft Heritage Centre. The county has many affluent areas, often in relatively small villages, such as Well Pond Green in Standon. Hertfordshire also hosts the University of Hertfordshire, which is divided up between a number of campuses.

WD23 2GE

Property Price Stats for Hertfordshire


Average property price in Hertfordshire £407,025
% Change compared to last year 9%
Population of Hertfordshire 1,154,800 (2014)


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 Hertfordshire - Recently Completed

  • Bushey Hall Park Bushey Hall Drive, Bushey, Hertfordshire WD23 2GE
  • 7 Rodgers Close, Elstree, Borehamwood, Hertfordshire WD6 3HN
  • 48 Vale Road, Bushey, Hertfordshire. WD23 2HE
  • 171 Windmill Road, Hemel Hempstead, Hertfordshire. HP2 4BY
  • 19 Mercia Road, Baldock, Hertfordshire, SG7 6RZ

Local High Street Banks in Hertfordshire

Mortgage Broker in and around Hertfordshire

Our Hertfordshire mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Aylesbury, High Wycombe, Luton, Biggleswade, Saffron Walden, March and Epping.

Which banks are local to you?


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

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Hertfordshire Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Hertfordshire.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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