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Our Mortgage Broker Guide to getting a mortgage in St Neots

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 Neots Tip 1
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Private tenant? Consider using Credit Ladder

If you're a private tenant and regularly pay your rent on time, you may wish to consider using Credit Ladder to help improve your credit rating.

You pay your rent to Credit Ladder - it's a free service – then Credit Ladder passes the money onto your landlord or letting agent, after which it informs Experian as to whether the payment has been made on time. The data is due to be visible to lenders from the end of 2017 onwards.

Standard Variable Rate Mortgage

A standard variable rate mortgage is one where the interest you pay on your mortgage loan to your lender is normally a few percentage points above the Bank of England base rate. The rate can vary, not only along with movements in the base rate but also because the lender decides to vary it.

If you have a standard variable rate mortgage, you'll have to ensure that you can make your repayments even if the rate changes against your favour and thus there Is an inherent uncertainty about this. You can, however, leave this kind of mortgage at any time without penalty and opt to take on, for example, a fixed rate mortgage or a discount mortgage.


St Neots is a thriving market town and the largest town in Cambridgeshire County and is around 49 miles north of London. It is very popular with tourists and combines a commercial centre with an older, more historic market town ambience. Landmarks and attractions include Riverside Park, St Neots Museum, Eaton Socon lock-up and Day Column.

PE19 6GQ

Property Price Stats for St Neots


Average property price in St Neots £240,474
% Change compared to last year 13%
Population of St Neots 40,000 (2014)


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 Neots - Recently Completed

  • 17 Embry Drive, St Neots, Cambridgeshire, PE19 6GQ
  • 51 Chapman Way, Eynesbury, St Neots, PE19 2HD
  • 3 Berkley Terrace, Eynesbury, St Neots, PE19 2NF
  • 16 The Crescent Eaton Socon, St Neots, PE19 8HF
  • 10 Booth Way, Little Paxton, St. Neots PE19 6JR

Local High Street Banks in St Neots

Mortgage Broker in and around St Neots

Our St Neots mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Southoe, Little Paxton, Hail Weston, Little Barford, Wyboston, Edgware and Croxton.

Which banks are local to you?


  • Barclays - 41 High St, Saint Neots PE19 1AS
  • Lloyds - 17-19 Market Square, Saint Neots PE19 2BQ
  • Norwich & Peterborough Building Society - 1 High St, Saint Neots PE19 1BU

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St Neots Mortgage Broker Insider Tips

Be in constant communication with your solicitor regarding your conveyancing in St Neots.

Your solicitor will be working hard for you from the get go. If something unforeseen arises, you change your mind about the property, a bereavement means you are unable to go ahead at this time and so on, inform your solicitor as soon as possible. 

By doing so, unnecessary and time-consuming work which later needs to be rectified can be avoided.

It also makes sure that all of your legal documents are accurate and the service you receive continues to be specifically tailored to your circumstances and needs.

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