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Our Mortgage Broker Guide to getting a mortgage in Leighton Buzzard

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 Leighton Buzzard Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't make multiple applications for credit

If you apply for lots of credit then every company you apply to will check your credit file. This could indicate that you are desperate for money and will have an impact on your credit score. Banks and building societies even check your credit score when you open a bank account.

Don’t worry, checking your credit score through Experian, Equifax or CallCredit will not affect your credit score.

95% mortgages

As a rule, 95% mortgages are those which offer a 95% loan to value ratio (LVR) i.e. a lender grants you a loan of 95% of the purchase price of the house you're looking to buy.

Because the standard deposit is 10%, 95% is clearly a larger LTV than normal and you can expect to pay higher interest rates than normal on your mortgage.

You should bear in mind also that if house prices decline just 6%, you will technically be in negative equity; this is more acceptable if you're intending to stay put for a number of years (you might 'ride out' the price fall until prices rise again) but if you're intending to move again in the shorter term, you face selling your house for a lower price than you bought it for.


Leighton Buzzard, in Bedfordshire County, is a town lying between Milton Keynes and Luton. It is the location of original opening of the Grand Union Canal. It has a thriving town centre and Stockgrove Country Park is nearby.

Attractions around Leighton Buzzard are many. Leighton Buzzard Railway is worth a visit and very popular with families (2 foot gauge, 3 miles long); Ascott House and Gardens are close by for looking around lovely sites and Woburn Abbey and Safari Park are also within easy reach.

LU7 1DN

Property Price Stats for Leighton Buzzard


Average property price in Leighton Buzzard £245,889
% Change compared to last year 6%
Population of Leighton Buzzard 37,000


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 Leighton Buzzard - Recently Completed

  • High Street, Leighton Buzzard LU7 1DN
  • 1 Home Farm, Paddington Rd, Tedworth, LU7 9QD
  • 96a Old Road, Leighton Buzzard, Beds, LU7 2RE
  • 96a and 96b Old Road, Leighton Buzzard, Beds, LU7 2RE
  • 53 Himley Green, Leighton Buzzard, LU7 2PY

Local High Street Banks in Leighton Buzzard

Mortgage Broker in and around Leighton Buzzard

Our Leighton Buzzard mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dunstable, Bletchley, Aylesbury, Aston Abbotts, Woburn, Dogmersfield and Stewkley.

Which banks are local to you?


  • Lloyds Bank Plc - Market Square, Leighton Buzzard LU7 1EU
  • Barclays Bank Plc - 2 Market Square, Leighton Buzzard LU7 1EY
  • Natwest Bank Plc - 27 High St, Leighton Buzzard LU7 1DX

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Leighton Buzzard Mortgage Broker Insider Tips

Instruct a solicitor even before your offer has been accepted.

If you instruct a solicitor at the earliest possible time, once your offer on a Leighton Buzzard property is accepted, you will be ready to get things underway and the seller will see how intent you are on purchasing their property. 

By being organised you are indicating to the seller that you should be able to complete in good time and the process will be as smooth as possible, thereby potentially increasing your chance of success.

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