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Our Mortgage Broker Guide to getting a mortgage in Northampton

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 Northampton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Having difficulty making repayments and on time? Speak to the lenders concerned

You may be in a situation where you are finding it difficult to make the repayments specified on the debt you've taken on. If so, you should get in touch with the companies you owe the money to as they might accept lesser payments from you or give you a grace period (an extension on the deadline by which you must have made a repayment).

Remember that defaulting on payments or making payments late lowers your credit score. If you can come to an arrangement with your creditors, your credit score is much less likely to be harmed.

Interest-only Mortgage

The basic premise of an interest-only mortgage is that your monthly payments purely cover the cost of servicing the interest on the loan and are not put towards paying down the capital itself.

To pay down the capital, the mortgagor is obliged to save money in another investment vehicle which hopefully generates sufficient cash by the end of the mortgage term to pay off the capital – this is not guaranteed.

Only commercial property buyers such as buy to let investors can access interest-only mortgages at the present time; the higher risk profile of these mortgages is thought to be too dangerous for residential buyers to be involved with.


Northampton is in the East Midlands and is the county town of Northamptonshire County. It has historical associations with archaeological findings pointing to settlement going back at least as far as the Bronze Age. Landmarks and attractions include the Holy Sepulchre, a round church, Northampton Caslte, Delapre Abbey and 78 Derngate, the last of which is a Grade II listed Georgian house, originally built in 1815, which has been extensively remodelled by architect Charles Rennie Mackintosh in 1916.

NN2 7EP

Property Price Stats for Northampton


Average property price in Northampton £201,784
% Change compared to last year 8%
Population of Northampton 212,100 (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 Northampton - Recently Completed

  • Raeburn Road, Northampton NN2 7EP
  • 11 Northampton Road, Northampton, NN7 2PF
  • 34 Thornhill, Northampton, NN4 8SN
  • Church Lane Cottage, 27 Church Lane, Little Billingham, Northampton, NN3 9AF
  • 20 St Giles' St, Northampton NN1 1AF

Local High Street Banks in Northampton

Mortgage Broker in and around Northampton

Our Northampton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Church Brampton, Boughton, Moulton Park, Roade, Kislingbury, East Dulwich and Cogenhoe.

Which banks are local to you?


  • Lloyds - 2 George Row, Northampton NN1 1DJ
  • Barclays - 18 Drapery, Northampton NN1 2HG
  • HSBC - 22 Abington St, Northampton NN1 2AJ

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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.

Northampton Mortgage Broker Insider Tips

One thing you can do for fast conveyancing in Northampton is to opt for Monday as your completion date, when you get your keys and move into your new place.

Understandably, Fridays are the most popular days for completions - people then have the whole weekend to make their new place as shipshape as possible before going back to work on Monday. The trouble is, there's a fair chance that your conveyancing solicitor may well have other completions to do on Fridays and will be very busy already.

Therefore if you decide to opt for a Monday for completion - or indeed, just not a Friday! - your solicitor is more likely to be less busy and therefore more able to 'pull out all the stops' to help you to complete quickly, making sure all the transfers are carried out and so on.

So for a fast conveyancing move think about completing Monday to Thursday!

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