Harpenden Building Society

Who we are

We are a specialist lender who provide a diverse range of mortgages tailored to the requirements of the customer’s needs. By individually underwriting all mortgages and applying a flexible lending criteria, we consider each application on its own merit. 

All our mortgage business is submitted via intermediaries, and we have a proven track record of assisting brokers find solutions for their clients, particularly those with complex or quirky circumstances. 

What we do

If everyone’s circumstances were the same, the world would be far less interesting. This is evident when it comes to property and mortgage applications. This is where we can help as we welcome those unusual and quirky scenarios.   

We pride ourselves on being flexible and accommodating, this is evident through our consideration of many income sources when determining affordability. These include salary, bonus and commission, self-employed income, foreign income, pension and investment or trust income. 

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

Our key features include: 

• Diverse product range including Residential, Later-Life, Self-Build, BTL, Holiday Lets/Second Homes  
• Maximum loans considered of £2.5M for Residential and £2M for Self-Build 
• Guarantor and JBSP considered 
• Credit Repair product range offered 
• Up to 75% LTV Interest Only 
• Complex income streams and recent changes in employment type 

• Wide range of income types considered including overseas income 
• Quirky and unusual property types considered, including up to 3 properties on one title  
• No upper age restriction and up to 4 borrowers per application, all incomes considered