Mortgage Broker Winchester

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Available 8am to 7pm
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We handle the whole  Mortgage Process
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** Not available when applying direct with the mortgage lender
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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
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Mortgage Broker Tip 1

Mortgage Broker Tip 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.

Property Price Stats for Winchester


Average property price in Winchester£468,705
% Change compared to last year7%
Population of Winchester45,184 (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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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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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Winchester Mortgage Broker Insider Tips

If a family member or friend is providing you with any of the finance towards your home purchase in Winchester, make sure your solicitor has all the information in good time.

If there is a loan or a gift, your solicitor may need proof of funds, relevant documentation and a proof of ID. If they do not have this, you may find yourself ready to exchange but not able to go ahead. Furthermore, your mortgage lender may not be happy to lend where there is an unregistered interest (i.e. the financial interest of your relative or friend) over the property. 

They will want to know if this is going to be a gift or a second registered charge. As you can see this is prone to getting complicated and can affect whether or not you decide to proceed. If you can get everything underway and sorted out as soon as possible, you will be in a better position to make an informed decision from the outset.

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