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Your home may be repossessed if you do not keep up repayments on your mortgage.

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You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Portsmouth


Portsmouth is a large city in Hampshire on the South Coast. It was a hugely important naval port for many years and is home to HMS Victory and Mary Rose. It is mainly located on Portsea Island. The only bigger city in Hampshire is Southampton.

Among the many attractions are; Portsmouth Historic Dockyard at Victory Gate in the HM Naval base, where you can see HMS Victory, the Mary Rose and various museums; Southsea Castle in Clarence Esplanade, where you can view an artillery fort constructed by Henry VIII and Portsdown Hill, a long chalk ridge, which contains Fort Southwick. Portsmouth has a number of higher education establishments including the University of Portsmouth, Highbury College and the University of Portsmouth Business School

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Don't hold and max out just one credit card

If you're close to maxing out the credit on the only credit card you hold, you'll be less able to respond, e.g., to an emergency – you might suddenly, for example, need to pay a mechanic to fix your car. This is a good reason to hold at least one other unused credit card.

You may also protect your credit score better: people who max out a single credit card are often regarded as being more likely to miss future repayments.
Top Mortgage Lenders 

Current Account Mortgage

Current account mortgages are a version of offset mortgage where your current account and mortgage are converted to one account. The idea is that when you get paid, the credit reduces your mortgage sum, so mortgage repayments become cheaper, however the more of your pay you use, the more that the repayments rise to 'normal' levels.

The more your account is in credit, the more capital you'll pay off. You can't normally access discounted rates with this kind of mortgage.
PO1 1SL

Property Price Stats for Portsmouth


Average property price in Portsmouth £200,020
% Change compared to last year 6%
Population of Portsmouth 205,400


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Portsmouth

  • 18 Moortown Avenue, Portsmouth, Hampshire, PO6 1EP
  • 26 & 26a Solent Road, Portsmouth, Hampshire, PO6 1HH
  • 31 Pink RIdge, Bedhampton, Havant, Hampshire, PO9 3LT
  • 6 Valiant Gardens, Hilsea, Portsmouth, PO2 9NZ
  • 5 Truro Road, Portsmouth, Hampshire, PO6 4NP

Local High Street Banks in Portsmouth

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Portsmouth

  • Barclays Bank Plc - 107 Commercial Rd, Portsmouth PO1 1BT
  • Lloyds Bank Plc - 16A High St, Portsmouth PO6 3BY
  • Nationwide Building Society - 208-212 Commercial Rd, Portsmouth PO1 1HG

Book a Free Mortgage Broker Consultation
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Mortgage Broker Tips for the Conveyancing Process

If you're buying, getting a structural assessment (Building Survey) of your property in Portsmouth from a RICS Surveyor is key and can save you £1,000s by highlighting defects that can be shared or negotiated with the seller. 

All too often buyers choose to not get a Building Survey thinking that their Mortgage Valuation will cover them for this. Sadly the mortgage valuation doesn't highlight structural defects or risks.

Once you realise this and then choose to get a Building Survey you may find that you are pushed to get this done in time for exchange of contracts because you have waited so long. This is especially annoying as your conveyancing solicitor needs some of the information from the survey to complete your legal work.

The best advice for fast conveyancing in Portsmouth is to book your Building Survey at the same time as you instruct your conveyancing solicitor

Surveyors are in high demand at the moment and bookings can often take 7 to 10 days and then the report 3 to 5 days after that so the sooner you book, the quicker you'll know if there are any defects with you property - plus you'll be set for a fast conveyancing completion!

Click to get your FREE RICS Building Survey Quote*
*RICS Surveyors – Local Knowledge – Same Week Availability