FREE Online Conveyancing Process for Buyers
Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.
Whole Market Access
Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.
FREE mortgage consultations for Lancaster
Mortgage Brokers Lancaster offering free first consultation (terms apply).
Fast mortgage appointments
With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages
Impartial Mortgage Advice
You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.
How to get a mortgage - or remortgage - in Lancaster
Lancaster is a city and the county town of Lancashire. Its Duchy of Lancaster holds significant estates on behalf of Queen Elizabeth II – who's also the Duke of Lancaster. It's an ancient settlement dominated by Lancaster Castle, Lancaster Priory Church and the Ashton Memorial. It is also home to Lancaster University and a campus of the University of Cumbria.
Places of interest in the locale include Lancaster Cathedral, the Westfield War Memorial Village, Duke's Playhouse, the Judges Lodgings and Milton Park.
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- Approval in principal (AIP)
- Mortgage in principal (MIP)
- Mortgage valuation
- Mortgage Offer
Read about the full mortgage process here - What is the mortgage process?
Late bill payments can reduce your credit score!
If you are lax about paying bills and often pay them late, this can affect your credit score. Paying your bills on time means a higher credit score and lenders are more likely to trust you.
Contributing to household bills without having your name on the bill itself means you won't get that credit score increase. However if the bills are payed form your account, under your name, it will affect your credit score.
Cashback Mortgage
Cashback mortgages are those which provide a lump sum cash incentive on take-up. This makes them marketable towards first time buyers, who may find themselves particularly cash-strapped when they've completed their first purchase and lacking funds for projects like decorating.
Cashback mortgages are not restricted in terms of the broader types of mortgage they can accompany: you can get cashback mortgages offered at fixed interest rates and variable interest rates for example.
If you are thinking of applying for a mortgage offering cashback, you should carefully examine matters such as the interest rate you'll be paying and any start-up fees you have to pay; you may find that for some mortgage products, the lump sum comes at a far higher cost than you first thought.
LA1 1HZ
Property Price Stats for Lancaster
| Average property price in Lancaster | £169,567 |
| % Change compared to last year | - 4% |
| Population of Lancaster | 52,234 (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 >>
RECENTLY COMPLETED MOVES IN Lancaster
- Tan Hill Drive LA1 2JD
- Victoria St, Morecambe LA4 4AA
- Avondale Rd, Lancaster LA1 4BZ
- Stonewell, Lancaster LA1 1NJ
- Manor Rd, Slyne, Lancaster LA2 6JY
Local High Street Banks in Lancaster
Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Camforth, Hornby, Bailrigg, Heysham, Tarnbrook, Morecambe and Garstang.
- Handelsbanken - 69-71 Church St, Lancaster LA1 1ET
- Yorkshire Bank - 45 Penny St, Lancaster LA1 1UE
- NatWest Bank - 68 Church St, Lancaster LA1 1LN
Access to the whole of the mortgage market
Appointments available today
Get a mortgage quote tailored to your own requirements
Best first time buyer mortgage brokers
Information about Mortgages
Watch our video to find out how to organise your mortgage and funding for your purchase.
Click to access our online mortgage payment/repayment calculator (UK).
Mortgage Broker Tips for the Conveyancing Process
Buying a home? Consider instructing a solicitor before anything else!
When you're looking to buy a home, it's a given that you'll be using a conveyancing solicitor (unless you're willing to risk a vast sum of money without the benefit of legal protection and expertise!).
Because the solicitor has to set up a file for you and you have to fill out forms and prove your ID/source of funds etc., the sooner you can do this, the more time you can save.
You do not have to have even picked out a property and made an offer at this stage! Ideally, you'll have applied for a mortgage and received a mortgage in principle, so you'll be in a position to look for houses within your budget range.
Matters like booking your mortgage valuation, booking a survey and getting searches can only occur once you've had an offer accepted, however instructing a solicitor is not dependent on this.
One advantage of this approach is that when it comes to putting in offers to vendors, telling them that you've already instructed your solicitor shows them that you're 'ready to go' and likely to be on the ball regarding the progress of any sale and a faster completion.
*Fixed Fee – No Sale No Fee – On all Major Lender Panels
Copyright 2014-19. All Rights Reserved.
SAM Conveyancing is a trading name of Share a Mortgage Ltd registration No. 08798475. We are an Introducer Approved Representative with the Financial Conduct Authority registration No. 618350. SAM Conveyancing complies with the Solicitors' Code of Conduct 2011 published by the Solicitors Regulation Authority (SRA). Your home may be repossessed if you do not keep up repayments on your mortgage.