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Our Mortgage Broker Guide to getting a mortgage in Watford

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 Watford Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Never forget the APRs

You should always be aware of the different APRs which accompany the credit cards etc. which you take up, because you need to know how much your borrowing is costing you.

Lower APRs mean lower interest payments which means the debt is cheaper to service. Conversely you should repay debt tied to higher APRs first.

Discounted Variable Rate Mortgage

These mortgages are variable rate mortgages and involve a discount from the lender's standard variable rate (SVR).

You gain from the discount but because the rate can vary, you risk it rising to a level which you can't sustain in terms of repayments. The discount often lasts for a fixed period during which you can only leave subject to a substantial early repayment charge.


Watford is a town and borough in Hertfordshire, located just north of the borders of northwest Greater London. Its town hosts a well known football club (Watford Football Club) and has many great shopping options, such as the Harlequin Shopping Centre.

It is also on the edge of the beautiful Chiltern Hills. The Grand Union Canal passes through Watford's Cassiobury Park. Watford Palace Theatre in Clarendon Road hosts diverse dramas in an Edwardian Grade II listed building.

WD17 2WH

Property Price Stats for Watford


Average property price in Watford £360,337
% Change compared to last year 15%
Population of Watford 90,300 (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 Watford - Recently Completed

  • Catalonia Apartments, Metropolitan Station Approach, Watford, Herts, WD18 7BN
  • 1 Tolpits Close, Watford, Hertfordshire WD18 7SX
  • 19 Diamond Rd, Watford, Hertfordshire WD24 5EN
  • 33 Sidmouth Close, Watford, Hertfordshire, WD19 7QN
  • 95a North Western Avenue, Watford, Herts, WD25 0AG

Local High Street Banks in Watford

Mortgage Broker in and around Watford

Our Watford mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Aldenham, Rickmansworth, Bushey, Northwood, Moor Park, Rotherhithe and Abbots Langley.

Which banks are local to you?


  • Lloyds Bank Plc - 67 High St, Watford WD17 2DU
  • Barclays Bank Plc - 62/64 High St, Watford WD17 2BT
  • HSBC Bank Plc - 73 High St, Watford WD17 2DS

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Mortgage Brokers Watford offering free first consultation (terms apply).

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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.

Watford Mortgage Broker Insider Tips

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 Watford, 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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