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Our Mortgage Broker Guide to getting a mortgage in Bournemouth

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Bournemouth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your main 3 credit scores

There are currently 3 main credit reference agencies, namely Equifax, Experian and Callcredit. Each one can hold slightly different information about you and has a different algorithm for calculating your credit score.

By checking the files of all 3 companies, you can ensure you eradicate any mistakes and best inform yourself of the likelihood that your application for a loan, for example a mortgage, will be accepted.

Repayment Mortgage

If you are a residential home buyer buying with a mortgage, you will be taking out this kind of mortgage (interest-only mortgages can only be accessed by commercial buyers).

With a repayment mortgage, over the mortgage term – most often 25 years – you make monthly payments with part going towards paying off the interest on the loan and part going towards paying off the capital. As the term progresses and you pay more of the capital off, the interest element becomes smaller so more of your payment goes towards paying down the capital.

If you make all your monthly payments, you will have paid off the mortgage entirely by the end of the term and will then hold the full equity of your property yourself.


Bournemouth is a large town on the south coast in the borough of the same name and is the most populous town in Dorset. Mostly known for being a seaside resort, St Peter's Church with its 62m spire is a prominent landmark as is the Russell-Coates Museum.

Some surveys have stated that Bournemouth residents are the happiest in the UK. The town hosts two piers, Bournemouth Pier and Boscombe Pier. The Sandbanks area of the town is one of the most affluent places in the UK. Bournemouth has its own airport, mainly for domestic flights with some EU destinations. Bournemouth also has a university, the University of Bournemouth.

BH1 1RX

Property Price Stats for Bournemouth


Average property price in Bournemouth £248,388
% Change compared to last year 6%
Population of Bournemouth 183,491 (2011)


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

Mortgage Broker Bournemouth - Recently Completed

  • Wimbourn Rd, Bearcroft, Bournemouth, BH11 9BE
  • Flat 5, 63 Seagrim Road, Bournemouth BH8 0BB
  • 6 Approach Road, Ashley Cross, Poole, BH14 8BH
  • Lansdowne Cres, Bournemouth BH1 1RX
  • 41a Jumpers Road, Christchurch, Dorset, BH23 2AR

Local High Street Banks in Bournemouth

Mortgage Broker in and around Bournemouth

Our Bournemouth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Christchurch, Poole, Ferndown, Wimborne Minster, Ringwood, Fleet and Lytchett Matravers.

Which banks are local to you?


  • Lloyds Bank Plc - 321-323 Wimborne Rd, Winton, Bournemouth BH9 2AF
  • HSBC Bank Plc - 111 Poole Rd, Bournemouth BH4 9BQ
  • Barclays Bank Plc - 290 Wimborne Rd, Bournemouth BH3 7AX

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Bournemouth

Mortgage Brokers Bournemouth offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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

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Bournemouth Mortgage Broker Insider Tips

Start your mortgage application before you have found a property in Bournemouth which you want to put an offer on..

  • Mortgage applications can be very drawn out and may not even be successful – you should have the certainty of a mortgage in principle before you buy, ideally.
  • A mortgage broker can help you find the right mortgage for your needs from more than 3,000 products on the market if they have access to the whole of the market (SAM Conveyancing's independent mortgage brokers all do).
  • Your mortgage broker can help you get together all the information you need so your application is processed as speedily as possible.

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*Access to whole of the market – 100% Impartial advice – No need for face-to-face meeting
Conveyancing Process
FREE Online Conveyancing Process for Buyers

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