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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
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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

  • 2 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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St Albans Mortgage Broker Insider Tips

One thing you can do for fast conveyancing in St Albans 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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