Proud of our Reviews
SAM Conveyancing Reviews
calc.png

Use our
Mortgage Calculator

SAM Conveyancing in the news

Our Mortgage Broker Guide to getting a mortgage in Portsmouth

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 Portsmouth Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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

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

Mortgage Broker Portsmouth - Recently Completed

  • Moortown Avenue, Portsmouth, Hampshire, PO6 1EP
  • Solent Road, Portsmouth, Hampshire, PO6 1HH
  • Pink Ridge, Bedhampton, Havant, Hampshire, PO9 3LT
  • Valiant Gardens, Hilsea, Portsmouth, PO2 9NZ
  • Truro Road, Portsmouth, Hampshire, PO6 4NP

Local High Street Banks in Portsmouth

Mortgage Broker in and around Portsmouth

Our Portsmouth mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Waterlooville, Fareham, Gosport, Havant, Hayling Island, Witney and Portchester.

Which banks are local to you?


  • 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
Access to the whole of the mortgage market
Appointments available today
Best first time buyer mortgage brokers

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.

Best Mortgage Advisors

FREE mortgage consultations for Portsmouth

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

Access Mortgage Providers Quickly

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.

Book a Free Mortgage Broker Consultation

Portsmouth Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

Click to book your FREE Mortgage Broker Consultation
*Access to whole of the market – 100% Impartial advice – No need for face-to-face meeting
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.