Mortgage Broker Portsmouth
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Portsmouth
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
Hilsea | £14,756 | £29,513 or £14,756 per salary with a joint purchase |
Farlington | £18,900 | £37,800 or £18,900 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Portsmouth
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
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.
By getting all of your signed documentation in to your solicitor in advance, you will get a better chance at a quick conveyancing process in Portsmouth.
Until your solicitor has your mortgage deed, signed contract, transfer deed, ID and other relevant documentation, they will not be able to exchange. This is not helped by the fact that some documents must be posted.
If this is the case, send as much correspondence as you can in one go and always do so via recorded delivery. This way, you can track the documents and find out when they were received and who signed for them. Lost documents can slow down the process and be very frustrating for all, especially if you have to wait for replacements for originals!
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Portsmouth
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Portsmouth mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
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
Watch our video to find out how to organise your mortgage and funding for your purchase.
