Why Harpenden? 

Our Tailored Mortgage Lending Approach and Lending Criteria

At Harpenden Building Society, we’re built for complex borrowing needs, not just open to them. We understand that when it comes to property, as in life, everyone’s situation is different. The cookie-cutter process won’t work – it requires a hands-on approach with flexibility built in.

We’ve adapted our lending policy to keep up with the evolving property market and modern financial requirements. Our unique underwriting process allows us to tackle unusual property needs and quirky cases, which many lenders won’t touch.

We don’t have upper age limits and allow up to four borrowers per application. We also consider various employment types and income sources when judging affordability.

What types of mortgages does Harpenden Building Society offer?

We offer specialist mortgage solutions for all kinds of property purchases in England and Wales, including the following types of mortgages:

• Residential
• Self-Build
• Holiday Let
• Buy-to-Let
• Limited Company BTL

Click the links above based on your clients’ needs or head to our mortgage product page for an overview of our current rates.

Solving complex needs for intermediaries 

We know purchasing a property and finding the right mortgage can be stressful for buyers. At Harpenden, we ease the burden. Our specialist mortgages are independently underwritten, with each situation judged on its merit. We’re inclusive and open our arms to all sorts of borrowers, doing all we can to create a suitable solution rather than shutting doors to difficult cases.

If you’re a broker, we can help ease your client’s concerns while making it easy for you to communicate with confidence, thanks to our clear terms, rates and fees, flexible repayment methods and lending criteria.

How does Harpenden Building Society work with mortgage brokers?

We’re a specialist mortgage lender that works directly with intermediaries, ensuring brokers and financial advisers can deliver the right solutions for clients – no matter how complicated their requirements.

All mortgage applications are carefully assessed, backed by our years of lending experience, flexible process, and the personal touch that Harpenden Building Society prides itself on.

Key benefits of working with Harpenden Building Society

• We evaluate each application with good judgment, common sense and expertise
• We embrace unique property needs
• We’re an extremely knowledgeable and award-winning team
• Our lending practices are flexible and responsible
• We believe in hands-on underwriting and clear communication

Speak to Harpenden’s mortgage specialists

Got a tricky case? No problem. The Harpenden team is ready and waiting to support you. We can refer you directly to our underwriting team for pre-approval before proceeding.

No impersonal, automated messages – you’ll speak to real humans, who’ll ask the right questions to find the best possible mortgage solution. If we can’t accommodate your client’s needs, we’ll let you know why and provide useful insights.