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Our Mortgage Broker Guide to getting a mortgage in Sheffield

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 Sheffield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Hold off applying for credit until old issues have expired

Bankruptcy and county court judgments stay on your file for six years and data about applications for a year.

It's therefore worth leaving applications until problems such as these have been removed from your file to boost your chances of success.

Discount Mortgage

Discount mortgages are another variant of variable mortgages but the discount is linked to the lender's standard variable rate (SVR) as opposed to the Bank of England's base rate. One of the risks involved is that the lender, if stated within its terms & conditions, can reserve the right to increase its rate independently of any movement – or non-movement – of the Bank of England base rate.

The discount normally applies during a fixed, agreed term and all mortgages that have a fixed term normally require a mortgagor to pay a large early repayment charge if they opt to leave early.


Sheffield is a city in South Yorkshire with a huge historical association with the industrial revolution. It has many green spaces, with more than 250 parks, woodlands and gardens. Landmarks include the Crucible Theatre, chiefly associated with the annual snooker world championships, the Kelham Island Museum, the Millennium Gallery, Weston Park and Endcliffe Park. Sheffield has two universities, the University of Sheffield and Sheffield Hallam University.

S1 2JH

Property Price Stats for Sheffield


Average property price in Sheffield £171,455
% Change compared to last year 0%
Population of Sheffield 551,800 (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 Sheffield - Recently Completed

  • Norfolk St, Sheffield S1 2JH
  • 181 Fox Hill Rd, Sheffield S6 1HF
  • 90 Crookes, Sheffield S10 1UH
  • 290 Twentywell Ln, Sheffield S17 4QH
  • 66 Barrow Rd, Sheffield S9 1LB

Local High Street Banks in Sheffield

Mortgage Broker in and around Sheffield

Our Sheffield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Rotherham, Thorpe Hesley, Dronfield, Oughtibridge, Thurcroft, Preston Gubbals and Kiveton Park.

Which banks are local to you?


  • Barclays - 10-12 Pinstone St, Sheffield S1 2HN
  • Yorkshire Bank - 661 Staniforth Rd, Sheffield S9 4RE
  • Virgin Money - 66 Fargate, Sheffield S1 2HE

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers Sheffield offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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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.

Sheffield Mortgage Broker Insider Tips

Make sure you are in constant communication with your solicitor.

If your situation changes or something unforeseen arises, inform your solicitor as soon as possible. This should avoid unnecessary and time-consuming work being carried out which later needs to be rectified. 

It also ensures all legal documents are accurate and you are receiving service which is specifically tailored to your needs and circumstances for your home move in Sheffield.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote* *Fixed Fee – No Sale No Fee – On all Major Lender Panels
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