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Our Mortgage Broker Guide to getting a mortgage in Huddersfield

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 Huddersfield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Can't get on the UK electoral roll? Add proof of residency

If you can't be on the UK electoral roll, you should send all three of the main credit reference agencies proof of residency, e.g. utility bills, a UK driving licence etc., and ask them to add a note to verify this.

Interest-only Mortgage

Interest-only mortgages are not open to residential home buyers but are an option available to those who are buying to let. Your monthly payments are directed towards paying off the interest on the total loan: nothing is put towards the capital, which must be paid off in full at the completion of the mortgage period.

You have to pay more interest overall than for a repayment mortgage as the capital sum does not decline during the mortgage term. However monthly repayments are normally cheaper.


Huddersfield is a large market town in Yorkshire County, located 190 miles north of London. It contains much quality Victorian architecture and landmarks and attractions include the Victoria Tower on Castle Hill, the Town Hall, St George’s Square railway station and Beaumont Park.

HD3 3TJ

Property Price Stats for Huddersfield


Average property price in Huddersfield £154,646
% Change compared to last year 0%
Population of Huddersfield 162,949 (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 Huddersfield - Recently Completed

  • Lambhall Road, Longwood, Huddersfield, HD3 3TJ
  • 48 Corby Street, Huddersfield, HD2 2SE
  • 162 Lowerhouses lane, Huddersfield, HD5 8JZ
  • 51 Fartown Green Rd, Huddersfield HD2 1AF
  • 147 Church St, Huddersfield HD1 4UJ

Local High Street Banks in Huddersfield

Mortgage Broker in and around Huddersfield

Our Huddersfield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Golcar, Elland, Brighouse, Mirfield, Honley, St Helens and Grange Moor.

Which banks are local to you?


  • Barclays - 17 Market Pl, Huddersfield HD1 2AA
  • Yorkshire - 40 New St, Huddersfield HD1 2BT
  • Lloyds - 1 Westgate, Huddersfield HD1 2DN

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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.

Huddersfield Mortgage Broker Insider Tips

Getting financial help towards your deposit from a family member?

To save yourself delays in the conveyancing process further down the line:

1 The family member must decide whether it's a gift or a loan.
2 If it's a gift, you must ensure that the person gifting fills out a gifted deposit letter with the correct information.

The correct information must be set down and the letter must be signed by witnesses. The giver will also have to provide ID and proof of funds. If the giver isn't a family member, you must tell your mortgage lender as this can sometimes cause issues.

For further information about these matters, including a useful template, please click on Gifted Deposit Letter

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