Here at Harpenden Building Society, we believe in helping people towards a safe and secure financial future.

Financial ‘products’ can often sound intimidating but we never forget that it’s real people who want to borrow money for a home, real people who want to invest in their retirement, real people who want to save towards their children’s future. That’s why...

We are proud to be a small independent Mutual Society (and we’ll explain exactly what that means a little further down) yet large enough to provide financial stability and security.

Procuration Tables

Gross fee paid by lenderProcuration fee to intermediary

Residential & BTL - Gross 0.5% (Min £500)
Residential development, self-build, bridging - Gross 0.75% (Min £500)
Product transfers – Gross 0.3%

All information correct as at 05/06/2019

Residential & BTLNet 0.48% (Min £470)
Residential development, self-build, bridging -Net 0.7% (Min £470)
Product transfers – Net 0.28%

All information correct as at05/06/2019


Reasons to choose Harpenden Building Society

  • No upper age limit
  • Guarantors considered (family)
  • Interest only to 75% for OO property
  • Gifted deposit or equity (from family) accepted
  • Manual underwriting
  • Products without an ERC are available
  • Self-build and development

  • Up to 4 applicants (all 4 incomes can be used for affordability)
  • BTL and Holiday lets including AirBnB
  • FTB/FTL and non-OO considered on let property lending
  • Contractors accepted
  • Properties with 2 kitchens and/or an annexe considered
  • Unusual property including Grade II and thatched
  • No minimum property ownership period
Mardall House,
9-11 Vaughan Road,

General Number:01582 463 133

Graeme Aitken Business Development Manager
[email protected]

Phil Bannister Head of Operations
[email protected]
01582 765411