Harpenden Building Society

How to register with this lender as a new user

You can download our Mortgage Application forms from our website

How to contact this lender

Our Business Development team are here to help:

Jean Errington

Business Development Manager

07483 310314


Graeme Aitken

Business Development Manager

07483 310334


Andrew Foster

Business Development Administrator

01582 463133


You can also contact our mortgage team on 01582 463133 or brokers@harpendenbs.co.uk

About us

We understand what’s important to our customers so we treat them as individuals, recognising that they have their own personal needs and requirements. It’s important that we do this so we can provide a solution that meets their expectations.

We provide mortgages tailored to the requirements of the customer. Our mortgages are individually underwritten. There’s no tick-box credit scoring, just an individually assessed, common-sense approach using good judgement and sound lending practice. That way we get to completely understand their specific needs.

We make the complex more simple

Our policy of lending to people in different types of employment has kept pace in an ever-changing environment. We therefore lend to people who are employed, self-employed, retired and contractors.

We pride ourselves on being flexible and accommodating to the changing nature of income.  We consider many income sources when determining mortgage affordability.  These include salary, bonus and commission, self-employed income, pension and investment or trust income.

We make complex mortgages simpler. Our pragmatic and sensible approach ensures a mortgage application is individually assessed using common-sense.

How we can help

  • We take an individual approach to your application
  • No use of over-mechanical, tick-box credit scoring
  • An individually-assessed, common-sense approach
  • We take a flexible view on the merits of your case
  • No upper age restriction and up to 4 borrowers per application
  • We have clear, fair and transparent charges
  • We look at many types of income when assessing affordability
  • We’re quick in processing mortgage applications - an agreement to a loan in principle within 48 hours 

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       
  • Second/holiday home  
  • CBTL/BTL/holiday let

All product specification and lending criteria can be found in the Intermediaries section of our website

If you wish to discuss a mortgage case or check our lending policy, please call our mortgage team on 01582 463133 or brokers@harpendenbs.co.uk.

Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
Residential Owner-Occupied 0.500% 0.480%
Buy to Let 0.500% 0.480%
2nd/Holiday Home 0.500% 0.480%
Self Build 0.750% 0.700%
Bridging 0.750% 0.700%