Intermediaries - A flexible and common sense approach for your clients

Harpenden Building Society prides itself on offering a commonsense approach to mortgage lending.

We are often able to provide a solution where the borrower's requirements are complicated or unusual.

We prefer you to tell us all about your client's individual needs together with any relevant background information.

We thrive on complicated situations; your enquiry will be assessed individually by our experienced team who will give you a quick decision and supply you with all the information you need. Remember - we do not use credit scoring, just straightforward common sense.

This individual approach means the Society can often lend to people that other lenders will not consider just because they do not meet their criteria - even though they may be very good at managing their finances and have carefully thought through their proposition.

Offering you an excellent service is very important to us. We know that choosing the right lender can be quite stressful and that often there are tight deadlines. We try very hard to provide both a quick decision as well as a continuing prompt and efficient service. We like to think that we are approachable so if you have any queries about our mortgages, just ask us.

Please remember that we will always try to "tailor make" a mortgage package just to suit your client's own personal requirements.

You will need to be listed on the FSA Register of Mortgage Intermediaries.

Our current mortgage rates are shown to the right and our detailed Tailored Mortgages and Mortgage Information leaflets are available as a PDF download. For further information on each specific account, please click the account name shown.

Richard Mason
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Richard Mason
Head of Lending

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Mortgage Rates from 1st January 2009

ProductRateAPR
Guarantor From 4.94%* 5.2%*
Lifetime - Interest Only From 4.94%* 5.1%*
Additional Borrowing From 4.94%* 5.3%*
Re-mortgages From 4.94%* 5.2%*
Bridging Loans From 4.94%* 6.4%*
Unique Homes From 4.94%* 5.2%*
Second or Holiday Homes From 5.94%* 6.1%*
Buy-to-Let From 5.94%* 6.1%*
Let-to-Buy From 5.94%* 6.1%*
Property Development/Refurbishment From 5.94%* 7.5%*
Commercial/Semi-Commercial From 5.94%* 6.2%*
Right to Buy From 4.94%* 5.2%*
Agricultural or Equestrian From 5.94%* 6.3%*
*The actual rate payable will depend upon your clients individual circumstances, please ask
for a personalised illustration.

Some of these mortgages will be regulated by the Financial Services Authority (FSA).

Follow this link for information regarding Mortgage Regulation.

Building insurance cover is required and can be arranged by the Society.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON
YOUR MORTGAGE.


The Society is authorised and regulated by the Financial Services Authority.