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Harpenden Building Society

Mortgages are one of the key products provided by the Harpenden Building Society.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Discounted 03/12/2018
Initial rate
2.24%then 4.19% (variable)
Fees
£440fees
Overall cost
3.9%APRC
Monthly cost
£697.02 for 24 months then £848.96 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 03/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,483 includes: Loan amount (£160,000); Interest (£91,043); Valuation fee (£300); Funds transfer fee (£15); Mortgage discharge fee (£125); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 03/12/2018
Initial rate
3.44%then 5.19% (variable)
Fees
£440fees
Overall cost
5.0%APRC
Monthly cost
£795.86 for 24 months then £942.11 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers, buy to let.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 03/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,562 includes: Loan amount (£160,000); Interest (£119,122); Valuation fee (£300); Funds transfer fee (£15); Mortgage discharge fee (£125); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 03/12/2018
Initial rate
3.44%then 5.19% (variable)
Fees
£440fees
Overall cost
5.0%APRC
Monthly cost
£795.86 for 24 months then £942.11 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 03/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £279,562 includes: Loan amount (£160,000); Interest (£119,122); Valuation fee (£300); Funds transfer fee (£15); Mortgage discharge fee (£125); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Harpenden Building Society

The Harpenden Building Society is a mutual and was formed in 1953 to serve the local community. The more affluent members of the Harpenden community paid money into the society and those in need borrowed money so they could buy their own homes. The system worked well and the first branch office was opened in 1960. Since then the building society has gone from strength to strength. There are now several branches of the Harpenden Building Society in the Home Counties and the society celebrated its diamond anniversary in 2013.

Like most building societies, Harpenden Building Society offers a number of different financial products and services. The society provides savings accounts and mortgages. They also provide a business service for businesses of all sizes, which includes a selection of business accounts.

Harpenden Building Society mortgage advisors don’t use credit scoring when deciding on whether a customer can afford the repayments. Instead, they offer a personalised and common sense approach to mortgage lending. Their mortgage advisors will look at each Harpenden BS mortgage application individually. They specialise in complex cases and unusual projects or properties, and are therefore more likely to lend to customers who have had little success with big name lenders.

There are several different Harpenden BS mortgages to choose from. These include guarantor mortgages for first time buyers, loans for existing homeowners wishing to move, extend or improve their home, bridging loans, property development mortgages, and mortgages for customers looking to buy a second or holiday home.

Buildings insurance is compulsory for customers taking out a Harpenden BS mortgage.

The society does not charge a redemption penalty if a customer makes an early repayment on their mortgage.

Interest on Harpenden BS mortgages is calculated annually.

Mortgage applications can be made in-branch or by talking to one of the mortgage advisors via telephone. Application forms can be downloaded from the society’s website.

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