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Our Mortgage Broker Guide to getting a mortgage in Fareham

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 Fareham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Check your scores with all 3 credit reference agencies

The 3 companies – CallCredit, Experian and Equifax – all use different methods to derive your score: you should therefore check all 3 to find out what points they've given you because you don't know which agencies a lender will check with.

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The additional benefit is that credit reference agencies occasionally do make mistakes, for example keeping an address on file which has become obsolete. You should always work quickly to make mistakes as you may end up being unfairly penalised and this can spiral, with resolution becoming a complicated matter!

Standard Variable Rate Mortgage

A standard variable rate mortgage is one where the interest you pay on your mortgage loan to your lender is normally a few percentage points above the Bank of England base rate. The rate can vary, not only along with movements in the base rate but also because the lender decides to vary it.

If you have a standard variable rate mortgage, you'll have to ensure that you can make your repayments even if the rate changes against your favour and thus there Is an inherent uncertainty about this. You can, however, leave this kind of mortgage at any time without penalty and opt to take on, for example, a fixed rate mortgage or a discount mortgage.


Fareham is a market town between Portsmouth and Southampton on the south coast and is on a tip of Portsmouth Harbour. Landmarks and attractions include Portchester Castle, Westbury Manor Museum and Fort Fareham.

PO16 8JZ

Property Price Stats for Fareham


Average property price in Fareham £257,956
% Change compared to last year 4%
Population of Fareham 42,210 (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 Fareham - Recently Completed

  • 50 Hill Road, Portchester, Fareham, HANTS PO16 8JZ
  • 11 Trinity Street, Fareham, HANTS PO16 7SD
  • 53 Highlands Road, Fareham, HANTS PO15 6AU
  • 132 Blackbrook Rd, Fareham, HANTS PO15 5BY
  • 91 West St, Fareham, HANTS PO16 0AU

Local High Street Banks in Fareham

Mortgage Broker in and around Fareham

Our Fareham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Gosport, Lee-on-the-Solent, Titchfield, Whiteley, Knowle, Debenham and Southwick.

Which banks are local to you?


  • Barclays - 67-69 West St, Fareham PO16 0AT
  • Lloyds - 43 West St, Fareham PO16 0B
  • TSB - 123 West St, Fareham PO16 0DU

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Fareham Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

If you need to get moving quickly and are using a mortgage to purchase your home in Fareham, you need to speak to your mortgage lender for advice on whether this deadline is achievable. This could actually even influence your choice of mortgage lender and mortgage product itself!

It is so important to get your mortgage valuation booked in as soon as possible. It can take up to 2 weeks to receive the valuation and you do not want to be stuck in a position where you are ready to exchange but cannot proceed because you have no valuation in as yet.


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