Mortgage Broker Portsmouth

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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 Broker Tip 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

Property Price Stats for Portsmouth


Average property price in Portsmouth£200,020
% Change compared to last year6%
Population of Portsmouth205,400


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

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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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Mortgage Brokers Portsmouth offering free first consultation (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.

Portsmouth Mortgage Broker Insider Tips

Communicating using the fastest and most efficient methods can really speed up conveyancing in Portsmouth.

The last thing you want is to be ready for exchange but still be waiting on outstanding documents. To avoid unnecessary delays, if you have a question for your solicitor, the quickest thing to do is pick up the phone. Emailing with scanned attachments can be faster than posting documents.

If you do need to send any documents, make sure you use recorded delivery. This will avoid the horrible situation that the documents are lost in the post and you have to wait for replacements.

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