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Our Mortgage Broker Guide to getting a mortgage in Winchester

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 Winchester Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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


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.

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

Mortgage Broker Winchester - Recently Completed

  • 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

Mortgage Broker in and around Winchester

Our Winchester mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Kings Worthy, Hursley, Colden Common, Owslebury, Sparsholt, Easton and South Wonston.

Which banks are local to you?


  • 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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Winchester Mortgage Broker Insider Tips

Get your buildings insurance sorted in time for exchange of contracts!

According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.

You should therefore plan for this in advance and organise your buildings insurance to start on the day you exchange. Click if you wish to get a buildings insurance quote.

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