Harpenden Building Society

Who we are

We provide individually underwritten mortgages. That way we get to completely understand the needs of the customer.

Individual approach to your application:

• No use of over-mechanical, tick-box credit scoring
• An individually-assessed, common-sense approach
• Repayment, Interest-only or a combination of both

Flexible view on the merits of your case

• Suitability and affordability are key
• No upper age restriction
• Up to 4 borrowers per application

Clear, fair and transparent charges

• You are aware of all charges and costs
• No other hidden charges

Look at many types of income when assessing affordability

• Self-employed income
• Pension, drawings, dividends, rental/investment/trust income and maintenance

What we do

We have the expertise to manage complex mortgage applications and we take a flexible view on the merits of all cases and create specialist solutions for your clients.

Our policy of lending to people in different types of employment includes; employed, self-employed and retired.

We consider many income sources when determining affordability. These include salary, bonus and commission, self-employed income, pension and investment or trust income.

Our individual products;

• Residential Owner Occupied
• Guarantor
• Self-employed
• Contractors
• Professional
• Lending into retirement
• Lending in retirement
• Standard self-build
• Premium self-build
• Development to sell/let
• Residential bridging
• Holiday Let/Second home/holiday home
• CBTL/BTL