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Our Mortgage Broker Guide to getting a mortgage in Keighley

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 Keighley Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Clear debts first then save

The more overextended you are with debt, the lower your credit score will generally be. Interest rates paid on savings accounts is invariably less than is charged for debts owed.

It therefore makes sense to draw down your savings to clear as much of your debt as you can. In doing so, you will also increase your credit score making any future credit debt you take on cheaper to service.

Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages


Keighley falls within the City of Bradford, West Yorkshire, and is excellently placed in terms of its location to a number of Northern 'Powerhouse' towns and cities, including Leeds, Bradford and Halifax. It has been a market town since the beginning of the 14th century and was particularly involved with textiles (wool and cotton) throughout the period of the Industrial Revolution and beyond.

Local attractions include Cliffe Hall, also known as Cliffe Castle, also known as Keighley Museum; the Keighley and Worth Valley Railway; Top Withens; Bronte Waterfall; East Riddlesden Hall; Keighley Police Museum and Rombalds Moor.

BD21 3PF

Property Price Stats for Keighley


Average property price in Keighley £184,584
% Change compared to last year 6%
Population of Keighley 56,348 (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 Keighley - Recently Completed

  • Westfield Road, Keighley BD20 5BH
  • Ireland Street, Bingley BD16 2QF
  • Hayton Way, Skipton BD23 1DQ
  • Sandhill Close, Bradford BD8 0DZ
  • Low Rein Drive, Bradford BD10 0AQ

Local High Street Banks in Keighley

Mortgage Broker in and around Keighley

Our Keighley mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bradford, Halifax, Leeds, Harrogate, Burnley, Rochdale and Skipton.

Which banks are local to you?


  • HSBC Bank - 36 North St, Airedale Centre, Keighley BD21 3SF
  • Yorkshire Bank - 73 North St, Keighley BD21 3SD
  • HSBC Bank Plc - 36 North St, Airedale Centre, Keighley BD21 3SF

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Keighley Mortgage Broker Insider Tips

Selling? Deal with any issues which are likely to appear on a survey before you market your property

A cautious buyer is more likely to book a RICS home buyers survey which is likely to show up any potential or actual defects your property may have.

If there are any, these may give a prospective buyer grounds either to bargain with you for a reduction in selling price or even to pull out of buying. At the very least you may end up wasting time as a result.

You should therefore call in a professional to remedy any structural issues you may have such as damp – the cause might often be damaged roofs or window frames or leaking pipes.

Click to book your building defect specialist 
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