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Harpenden Building Society: Mortgages reviews

Name: Mortgages
Rating: 2.93 (14 reviews)

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3.29

Based on 14 reviews, last reviewed 11th Dec 2024

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

29%

21%

2 star

43%

Latest highest rating:

4

I have a commercial mortgage when it was Covid busin... I have a commercial mortgage when it was Covid businesses found it very hard The interest rates have gone up and up and up we have had to wait until t... Read more Reviewed on: 4th September 2024

Latest lowest rating:

1

A tracker mortgage that tracks up but not down... We have a tracker mortgage with Harpenden - when interest rates were going up they were quick to track the increase and our mortgage payments changed ... Read more Reviewed on: 11th December 2024

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About this product

Harpenden Building Society was founded in 1953 and offers a variety of mortgage and savings products. Before applying for a mortgage, make sure that you’re confident with the terms, conditions and interest rate of the product. Always consult the lender or an independent advisor if you need help understanding the options available to you.

At Smart Money People, we collect Harpenden Building Society mortgage reviews. This valuable insight can help you decide if this lender is right for what could be your biggest financial purchase.

Learn more about what you can expect as a mortgage customer of the Society by reading our reviews. Find out whether other people with similar circumstances were accepted for a mortgage. Read about other customer service experiences. Learn more about the benefits of being a member of the Society. All of this and more can be found in our Harpenden Building Society mortgage reviews.

Did Harpenden Building Society help you buy your dream home? Share your experience with our Smart Money People community. Why did you choose Harpenden Building Society as your mortgage provider and which mortgage deal did you choose? Share your experience with the application process - did the Society support you? Have you been satisfied throughout the term of your mortgage so far? Whether good or bad, write an honest Harpenden Building Society mortgage review today. Together, we can help people like you make better financial decisions.

Harpenden Building Society Mortgages reviews (14)

Review of the Harpenden Building Society, Mortgages:

A tracker mortgage that tracks up but not down...

We have a tracker mortgage with Harpenden - when interest rates were going up they were quick to track the increase and our mortgage payments changed regularly. Unfortunately it's not been the same going down - they have yet to commit to a reduction since the 6th November 2024 interest rate reduction - and they were slow to act after the first reduction. Not what most would consider a fair 'tracker' mortgage.... Reviewed on: 11th December 2024

Reply from Harpenden Building Society Hi Max, thanks for your message, I believe you have also contacted the Society directly and our team will be contacting you shortly to respond to your query, however please also feel free to email me at [email protected] regarding any questions you may have about your account. Many thanks, Andrew Foster. Response date: 16th December 2024

TIMEWASTERS!

Our Broker recommended this Building Society as they seemed to fit the bill for our needs. HOW WRONG HE WAS! Three months down the line and about to have our rental property we lived in put on the market due to how long they took to scrutinise our bank accounts etc, they declined us. Why? Because we paid a COMPANY business debt off A MONTH EARLY!!! To say we were gobsmacked was to say the least. We had rented the property for 11 years with no issues about paying the rent. Landlords urgently needed the property sold (we had first refusal to purchase and at BMV) so the pressure was on. I had to detail miniscule payments out of my personal bank account. One to my Son for £40! The other to a seller on Markketplace for a mere £80. We then applied to Santander and it all flew through. So save yourself A LOT OF TIME AND STRESS apply to them in the first instance. It completed within 2 months of application. How this Building Society gets any mortgage clients is beyond me. They rank something like 41. I can now see why!!! Reviewed on: 12th July 2022

Worst Customer Experience Ever

If you want to purchase a house using Harpenden I suggest starting 12 month in advance and you will still more than likely be disappointed. Their SLA's are a joke in the modern world, saying everything is done in person is a massive cop out and doesn't ring true. They will miss most SLA's then ghost you and ignore all communication attempts and not return calls. Avoid like the plague! Reviewed on: 11th May 2022

Not passing on Bank of England base rate reduction

The Bank of England have announced a 0.5% drop in the base rate to support the economy and Harpenden have decided not to reflect this in the SVR and therefore discounted mortgages where as the majority of the market has moved - i would recommend avoid getting a mortgage through them. Reviewed on: 13th March 2020

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