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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 Winchester 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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How to get a mortgage - or remortgage - in Winchester


Winchester is a picturesque city and is the county town of Hampshire, located around 61 miles south-west of London. Landmarks include Winchester Cathedral, which is one of Europe's largest, and Wolvesey Castle and Palace, which make for a great day out for family and kids.

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

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

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

Mortgage Broker Tip  

Ask for your credit limit to be increased – but don't increase your borrowing!

One trick to increase your credit score is to get your credit limit increased but not take on any more borrowing. At a stroke, you look like a better risk because you will be using less of the credit available to you.

As a general rule, you should not be taking up more than 50% of the credit available to you on any one credit card; if your borrowings are a higher proportion of the credit available than this, you look more risky as a prospect because you look overextended: for this reason your credit score will be lowered.
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Joint Borrower Sole Proprietor Mortgage

A person may wish to buy a home but their salary multiples may mean that they can't get a sufficiently large mortgage to do so. One strategy they can use is to make a joint application for a mortgage, involving someone who can get a mortgage, and that other person then does not appear on the legal title. A joint borrower sole proprietor mortgage is the term for the mortgage the pair apply for.

There are legal risks involved in this strategy and at the very least, both participants are well advised to draw up a deed of trust to protect their individual interests.

If you wish to find out more about this subject, please click on Joint borrower Sole Proprietor Mortgages
SO22 6BE

Property Price Stats for Winchester


Average property price in Winchester £468,705
% Change compared to last year 7%
Population of Winchester 45,184 (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

RECENTLY COMPLETED MOVES IN Winchester

  • 14 Wychwood Place, Winchester, Hampshire, SO22 6BE
  • 8 Greenhill Rd, Winchester, Hampshire SO22 5DX
  • 44 Fivefields Rd, Winchester, Hampshire SO23 0QN
  • 87 Wavell Way, Winchester, Hampshire SO22 4EG
  • 112 Cromwell Rd, Winchester, Hampshire SO22 4AD

Local High Street Banks in Winchester

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Kings Worthy, Hursley, Colden Common, Owslebury, Sparsholt, Easton and South Wonston.


  • Barclays - 50 Jewry St, Winchester SO23 8RG
  • Lloyds - 48-49 High St, Winchester SO23 9BU
  • HSBC - 58 High St, Winchester SO23 9BZ

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Mortgage Broker Tips for the Conveyancing Process

Buying a leasehold property? Request your vendor to get their management information pack when your offer is accepted.

Your solicitor needs to examine the leasehold management information very carefully as it deals with matters like service charges and how well the freehold has been run. 

Very frequently the freeholder or managing agent may take weeks to compile and return the material which may form the basis of enquiries from your solicitor which in turn need to be answered.

Click to find out more about the Management Information Pack

Click to get your FREE Conveyancing Solicitors Quote
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