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Our Mortgage Broker Guide to getting a mortgage in Lancaster

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 Lancaster Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.


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.

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 >> Land-Registry

Mortgage Broker Lancaster - Recently Completed

  • 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

Mortgage Broker in and around Lancaster

Our Lancaster mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Camforth, Hornby, Bailrigg, Heysham, Tarnbrook, Morecambe and Garstang.

Which banks are local to you?


  • Handelsbanken - 69-71 Church St, Lancaster LA1 1ET
  • Yorkshire Bank - 45 Penny St, Lancaster LA1 1UE
  • NatWest Bank - 68 Church St, Lancaster LA1 1LN

Book a Free Mortgage Broker Consultation
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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.

Find a Home Mortgage

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.

Best Mortgage Advisors

FREE mortgage consultations for Lancaster

Mortgage Brokers Lancaster offering free first consultation (terms apply).

Access Mortgage Providers Quickly

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

Independent Mortgage Broker

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.

Book a Free Mortgage Broker Consultation

Lancaster Mortgage Broker Insider Tips

If your home purchase in Lancaster is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.

Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.

Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.

As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process
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.