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Our Mortgage Broker Guide to getting a mortgage in Wakefield

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 Wakefield Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Don't use unauthorised overdraft facilities

If you've set up an authorised overdraft facility with a bank, don't exceed your limit. Fees and interest charged on unauthorised overdrafts are generally extortionate and can damage your credit rating.

You should either restrict your outgoings to keep within your limit or, if you have to, find a cheaper source of finance, such as a loan.

Family Offset Mortgage

These mortgages, which are a type of offset mortgage, typically involve family members placing their savings into an account linked the mortgagor's mortgage, and their savings interest is deducted from the mortgage interest, making the mortgage cheaper.

The lender often requires that the savings are 'locked in' for some considerable time (can be many years) until, for example, 75% of the mortgage is paid off. During this time, the family members cannot use the savings interest as income at all – it is tied in to being deducted from the mortgage.


Wakefield is a city in West Yorkshire, around 185 miles north north-west of London. Prominent landmarks and attractions there include Wakefield Cathedral, the tallest spire in Yorkshire, the Crown Court, St John’s North and South Parade, dating from the Georgian period and Lawe Hill in Clarence Park.

WF2 6EG

Property Price Stats for Wakefield


Average property price in Wakefield £167,135
% Change compared to last year 4%
Population of Wakefield 76,886 (2001)


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 Wakefield - Recently Completed

  • Barnsley Rd, Wakefield WF2 6EG
  • 98 Stanley Rd, Wakefield WF1 4LR
  • 142 Wrenthorpe Rd, Wrenthorpe, Wakefield WF2 0HR
  • 203 Dewsbury Rd, Wakefield WF2 9BZ
  • 60 Windhill Rd, Wakefield WF1 4SD

Local High Street Banks in Wakefield

Mortgage Broker in and around Wakefield

Our Wakefield mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Newmillerdam, Crofton, Normanton, Lofthouse, Dewsbury, St Mary Cray and Batley.

Which banks are local to you?


  • Co-op Bank - 8 Providence St, Wakefield WF1 3BG
  • Lloyds - 17 Westgate, Wakefield WF1 1JZ
  • TSB - 2 / 4 Northgate, Wakefield WF1 1HD

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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.

Wakefield Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Wakefield which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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