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Our Mortgage Broker Guide to getting a mortgage in Ripon

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 Ripon Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Pay all your bills on time

Late payments, even if only by a few days, can affect your credit rating negatively

Wherever you can, set up automatic repayments via direct debit and standing order. Make sure you make at least the minimum repayment where relevant and if applicable.

Variable Rate Mortgage

With this type of mortgage, the interest rate may vary. This means your repayments may go up and down, unlike with a fixed rate mortgage where each repayment is predictable.

The benefit of a variable rate mortgage is if the Bank of England base rate decreases, as will your repayments. But be aware that if the base rate increases, so will your repayments. If you are going to choose this type of mortgage, ensure you have the funds if the base rate increases.


Ripon is a City in the Borough of Harrogate, North Yorkshire. Historically part of the West Riding of Yorkshire, it is located at the confluence of two tributaries of the River Ure, the Laver and Skell. The city is noted for its main feature which is its cathedral. In the Tudor times Ripon, which strongly relied on its religious institutions, was negatively affected by the English Reformation under the rule of the king Henry VIII.

It's the third smallest city in England by population, being a city by virtue of containing a cathedral and it is close to Studley Royal Park and Fountains Abbey which form a UNESCO World Heritage Site. It has curious unique features such as the Ripon Hornblower and dancing traditions such as the Long Sword dance. It also has a famous eponymous racecourse.

HG4 1AA

Property Price Stats for Ripon


Average property price in Ripon £248,350
% Change compared to last year 8%
Population of Ripon 16,702 (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 Ripon - Recently Completed

  • Malham Drive, Harrogate, North Yorks HG3 2YQ
  • Harewood Road, Harrogate HG3 2TJ
  • Stonefall Avenue, Harrogate, North Yorks HG2 7NP
  • Mayfield Grove, Harrogate, North Yorks HG15EY
  • Kingsley Road, Harrogate, North Yorks HG1 4RF

Local High Street Banks in Ripon

Mortgage Broker in and around Ripon

Our Ripon mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Boroughbridge, Harrogate, Knaresborough, Masham, Pateley Bridge, The Nidderdale AONB and Yorkshire Dales.

Which banks are local to you?


  • Santander Bank Plc - 15 Fishergate, Ripon, North Yorkshire HG4 1EA
  • Barclays Bank Plc - 7 Market Place East, Ripon, North Yorkshire, HG4 1BP
  • Lloyds Bank plc - 30 Market Place, Ripon, North Yorkshire HG4 1BN

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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.

Ripon Mortgage Broker Insider Tips

The trick is to order your property searches as soon as you instruct.

Searches can take some time to get back, namely the searches from the local authority. So you may find yourself all ready to exchange but not able to proceed because you are waiting for your searches to get back.

Being organised and booking your searches early can mean you get the essential information you need back to you and your solicitor as early as possible. 

Thereby you can make a fully informed, good decision about whether to proceed with your purchase in Ripon or not.

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