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Our Mortgage Broker Guide to getting a mortgage in Letchworth

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 Letchworth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep your personal debt to a minimum

Stating the obvious maybe and far easier to say than to do but you will do far more for yourself than improve your credit score if you do this.

Credit cards certainly have their uses but can easily be overused. You should ensure that you are paying as little as you can for their use by keeping their balances down, ensuring you make the correct repayments and by sensibly shifting balances to cards which carry less interest (while not maxing out any particular card). Additionally you should pay off debts before you save money as a general rule.

Discount Mortgage

Discount mortgages are a subsection within variable rate mortgages with the discount being applied to the lender's standard variable rate (SVR), which is itself linked to the Bank of England's base rate, although the lender can chose to alter its SVR autonomously.

You benefit from the discount although you are taking a risk that the rate won't suddenly increase, leaving you with increased repayments regardless of your discount. You should also be aware that the discount normally operates for a fixed period of time. Once this period has elapsed, you are placed onto the lender's SVR although you can change mortgages and/or mortgage providers at any point. During the time of the fix, however, there are likely to be large repayment charges levied if you opt to leave early.


Letchworth is a town in Hertfordshire and was one of the world's first new towns and first garden city. It is home to one of the UK's largest colonies of black squirrels. Attractions include Letchworth Arts Centre, the First Garden City Heritage Museum and the Broadway Cinema.

SG6 1FL

Property Price Stats for Letchworth


Average property price in Letchworth £306,882
% Change compared to last year 7%
Population of Letchworth 33,249 (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 Letchworth - Recently Completed

  • Principal Court, Letchworth, SG6 1FL
  • 1 Boardwater Dale, Letchworth Garden City, SG6 3HQ
  • 44 Lindsell Avenue, Letchworth, SG6 4SQ
  • Doctors Cottage, Vintage Court, Hitchin Street, Baldock, SG7 6AR
  • 19 Mercia Road, Baldock, Hertfordshire. SG7 6RZ

Local High Street Banks in Letchworth

Mortgage Broker in and around Letchworth

Our Letchworth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Baldock, Hitchin, Ickleford, Henlow Camp, Arlesey, Graveley and Great Wymondley.

Which banks are local to you?


  • Lloyds - 4 Station Rd, Letchworth Garden City SG6 3BH
  • Barclays - Station Pl, Letchworth Garden City SG6 3RZ
  • HSBC - Station Rd, Letchworth Garden City SG6 3AJ

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Letchworth 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 Letchworth 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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