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Our Mortgage Broker Guide to getting a mortgage in Hitchin

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 Hitchin Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't repeat past mistakes

Make sure you service any new lines of credit you take up correctly by ensuring that you make the correct repayments on time and by not overextending yourself, primarily. These actions will boost your credit score in the longer term.

Over time, your credit score will improve and any past mistakes you've made will have a decreasing impact.

Endowment Mortgage

Endowment mortgages refer to types of mortgage products associated with interest-only mortgages and so are therefore only open to non-residential customers at this time. Your repayments are made purely to pay for the interest levied with an interest-only mortgage. To pay off the capital, you need another investment vehicle and an endowment mortgage is one such approach to paying off the capital at the end of the mortgage.

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You make regular payments into an endowment, which is itself an investment fund, during the lifetime of the mortgage with the hope and expectation that the fund will grow large enough to cover the capital at the time of the mortgage expiring. Endowment funds always force you to take out life cover so the capital is covered in the event of your death.

There is no guarantee, however, that the endowment fund will actually cover the mortgage's capital when the mortgage expires, leaving a significant shortfall. This is because investment funds can of course decrease in size as well as increase, there is no absolute surety of success. This result was sometimes observed when residential clients used to be able to take out endowment mortgages and is one of the reasons why interest-only mortgages are no longer accessible to residential customers.


Hitchin is a market town in Hertfordshire County within North Hertfordshire District and has been rated as one of the best towns to live in in the UK. Local attractions include the British Schools Museum, Hitchin Lavender, the Half Moon pub and the Stotfold Watermill & Nature Reserve, for a family day out.

SG4 0PY

Property Price Stats for Hitchin


Average property price in Hitchin £345,078
% Change compared to last year 15%
Population of Hitchin 33,350 (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 Hitchin - Recently Completed

  • Tennyson Avenue, Hitchin, Herts, SG4 0PY
  • 92 Cambridge Road, Hitchin, SG4 0JH
  • 37 Dickens Boulevard, Stotfold, SG5 4FD
  • 23 Windermere Close, Stevenage, SG1 6AG
  • 175 Canterbury Way, Stevenage, Herts, SG1 4LG

Local High Street Banks in Hitchin

Mortgage Broker in and around Hitchin

Our Hitchin mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Ickleford, Holwell, Pirton, Offley, St Ippolyts, Spellbrook and Letchworth.

Which banks are local to you?


  • Barclays - 5-6 High St, Hitchin SG5 1BH
  • Lloyds - 1 Bancroft, Hitchin SG5 1JQ
  • Natwest - 12 High St, Hitchin SG5 1YY

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Hitchin Mortgage Broker Insider Tips

Get all your signed documentation to your solicitor in advance, if you want to give yourself more chance of a faster conveyancing process in Hitchin.

Your conveyancing solicitor can't exchange contracts with the other side until they receive your mortgage deed, transfer deed, signed contract and so on. Originals of these documents, or at least some originals may be required by your solicitor and if so, you may need to post them.

It's a good idea, if you have to use Royal Mail, to send as much correspondence as you can together and make sure to use recorded delivery. This way, the documents can be tracked and you can find out when your mail was received and who signed for it. This is never best left to chance - you might lose your documents, which will slow down your conveyancing considerably and you will have to wait for replacements, into the bargain.

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