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Our Mortgage Broker Guide to getting a mortgage in St Albans

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 St Albans Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't 'put all your eggs in one basket' by maxing out just one credit card

Apart from the negative impact on your credit score that maxing out can bring if your credit ratio is too high, maxing out just one credit card can curtail your ability to respond to an emergency.

This might occur, for example, if your car breaks down unexpectedly and you have to pay for a mechanic. A good strategy is to hold at least one other spare credit card for purposes such as this.

Bridging Finance

Bridging finance is short term funding which is strongly connected to buying homes and the property market. It can be used to:

  • Bridge the finance gap between selling a property and purchasing another;
  • Help buy dilapidated properties to 'do up'; and
  • Help buy auction properties.
As with all loans, you need to convince lenders that the money will be repaid and you'll only normally get bridging finance if the loan is secured against other commercial or residential properties.

If you are eligible, you can normally arrange bridging finance relatively quickly. It is set up on a bespoke basis and is invariably relatively expensive.


St Albans is a pleasant, affluent city in Hertfordshire around 19 miles to the north north-west of London. It is principally known for its Roman ruins (Verulamium) and has other strong historical associations.

St Albans Cathedral and Old Gorhambury House are all worth visiting. The Cathedral & Abbey Church host host various theatrical events. Nearby Borehamwood is known for its film and television studios. The University of Hertfordshire has a campus in nearby Hatfield.

AL1 3AA

Property Price Stats for St Albans


Average property price in St Albans £484,282
% Change compared to last year 9%
Population of St Albans 57,795 (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 St Albans - Recently Completed

  • Buttermere Close, St Albans, Herts, AL1 5TD
  • 2 Buttermere Close, St Albans, Herts, AL1 5TD
  • 69 Normandy Road, St Albans, Hertfordshire, AL3 5PT
  • 2 Cadoxton Place, 29 Avenue Road, St Albans, Hertfordshire, AL1 3PY
  • 8 Westbourne Mews, St Albans, Herts, AL1 1LS

Local High Street Banks in St Albans

Mortgage Broker in and around St Albans

Our St Albans mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Watford, London Colney, Hemel Hempstead, Welwyn Garden City, Hatfield, Pinner and Harpenden.

Which banks are local to you?


  • Metro Bank Plc - 77 St Peter's St, St Albans AL1 3ED
  • HSBC Bank Plc - 31 Chequer St, St Albans AL1 3YN
  • Lloyds Bank Plc - 36 Chequer St, St Albans AL1 3YQ

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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.

St Albans Mortgage Broker Insider Tips

Choose conveyancing solicitors who balance their work well

Conveyancing solicitors look after the needs of many clients and if they take on too many clients, they will be unable to give adequate service to all of them particularly in matters of communication and it's more likely that mistakes will be made.

SAM Conveyancing carefully balance the workloads of the solicitors we use to ensure that you receive the optimum level of client care when you move home. We also only employ Conveyancing Quality Scheme (CQS) solicitors, so you can relax secure in this knowledge when you choose us.

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