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Our Mortgage Broker Guide to getting a mortgage in Luton

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 Luton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Struggling to make repayments? Ask the lender if you can reduce the amount

If you are 'treading water' and struggling to make all your repayments, you may want to contact your creditors to arrange – even if temporarily – to reduce the repayment amount(s).

Your credit score is much less likely to be harmed if you continue to make reduced payments rather than defaulting on any.

Self-employed mortgage

Getting a conventional mortgage can be a huge challenge for those self-employed because of difficulties in establishing adequate proof to a lender that their business is sound and trading well and that future prospects will bring in enough to make the necessary monthly mortgage repayments.

Self-employed mortgages are specifically aimed at this group and normally require applicants to provide at least 2 years' worth of company accounts, SA302s or tax returns and possibly evidence of future work lined up. Click to find out more about Self-Employed Mortgages


Luton is a large town in Bedfordshire and, along with nearby Dunstable and Houghton Regis, it forms the Luton/Dunstable urban area. Luton is 20 miles east of Aylesbury, 30 miles north-northwest of London, 22 miles from Milton Keynes and 14 miles west of Stevenage.

Luton has a thriving town centre (it hosts the largest one-day carnival in Europe). Attractions include nearby Whipsnade Zoo and safari park in Dunstable, which offers great family entertainment, and Dunstable Downs, with their great vistas of the Chiltern Hills.

LU1 4EE

Property Price Stats for Luton


Average property price in Luton £217,675
% Change compared to last year 17%
Population of Luton 240,000


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 Luton - Recently Completed

  • Celandine Drive, Luton, Bedfordshire, LU3 4AH
  • 10 Dexter Close, Luton, Bedfordshire, LU3 4DX
  • 47 Brompton Avenue, Luton, Bedfordshire, LU3 3QS
  • 19 Ley Hill Drive, Luton, Bedfordshire, LU1 5QA
  • 1a Ashwell Avenue, Luton, Bedfordshire, LU3 3AY

Local High Street Banks in Luton

Mortgage Broker in and around Luton

Our Luton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Dunstable, Stevenage, Harpenden, Hemel Hempstead, Sundon, Taplow and Offley.

Which banks are local to you?


  • Lloyds Bank Plc - 60 George St, Luton LU1 2BB
  • Natwest Bank Plc - 31 George St, Luton LU1 2YN
  • Barclays Bank Plc - 170 Dunstable Rd, Luton LU1 1EW

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Luton Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Luton.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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