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Conveyancing Process

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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 St Albans 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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How to get a mortgage - or remortgage - in St Albans


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.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip  

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.
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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.
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

RECENTLY COMPLETED MOVES IN St Albans

  • 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

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Watford, London Colney, Hemel Hempstead, Welwyn Garden City, Hatfield, Pinner and Harpenden.


  • 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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Mortgage Broker Tips for the Conveyancing Process

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in St Albans, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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