Local Mortgage Brokers – Chandler’s Ford

Visit our mortgage brokers in Chandler’s Ford.

Our team of local mortgage brokers here in Bishops Waltham are here to help you with all your mortgage and protection needs.

With access to thousands of mortgage products from 90 different lenders, we can find the right mortgage for you. Here at Mortgage Decisions, our team of brokers is available five days a week to help customers find the perfect mortgage that suits their unique needs and circumstances. Our team will guide you through the application process from start to end.

Our local mortgage brokers are experts in:

• Moving Home
• First-Time Buyer
• Remortgages
• Buy to Let
• New Build Mortgages
• Shared Ownership
• Bad credit Mortgages
• Forces Help to buy
• Blue light Mortgages
• IVA Mortgages
• Mortgages with Defaults
• CCJ Mortgages
• Bankruptcy Mortgages
• Police Mortgages
• Mortgages For Self-Employed
• One Year Self-Employed Mortgages
• Two Year Self-Employed Mortgages
• Getting a Mortgage On Benefits

With mortgage brokers in Hampshire including Southampton, Winchester, Bishops Waltham, Alton, Farnham, Alresford, Romsey and Park Gate, you are never too far from mortgage help.

Mortgage Decisions is a mortgage broker in Chandler’s Ford dedicated to finding the right mortgage and protection products for our customers, delivered with exceptional customer service.

We have access to various lenders, including banks, credit unions, and credit lenders. This gives you access to a broader range of mortgage products and, in many cases, better terms than if you were to approach lenders individually.

At Mortgage Decisions, we understand that navigating the intricate mortgage landscape can be a time-consuming task. That’s why we offer to do the legwork for you. From researching and contacting multiple lenders to assessing your financial situation and negotiating on your behalf, we streamline the process to make it as convenient as possible for you.

We have in-depth knowledge about the mortgage market and can provide personalised advice based on your financial situation and goals. We will help you understand the different types of mortgages available, explain complex terms, and recommend the best options for your needs.

Looking for a mortgage in Chandler’s Ford? We will guide you through the entire mortgage process, from pre-approval to closing, making the experience more convenient and less stressful. If you have a unique financial situation, such as being self-employed or having a low credit score, we will find lenders who specialise in these scenarios and are more likely to approve your loan.

At Mortgage Decisions, we offer a wide array of mortgages. The full list of our products can be found on our website. Here are some of the most popular mortgages we offer in Chandler’s Ford:

1. Remortgages

A remortgage is when you switch your existing mortgage to a new deal, either with your current lender or a different one. You may decide to remortgage if your current mortgage deal is about to end or you’re on a standard variable rate (SVR); you might want to remortgage to get a lower interest rate, potentially saving you money on your monthly payments. Another reason to remortgage would be if your property has increased in value since you bought it, and you want to release some of that equity for home improvements, debt consolidation, or other purposes. Remortgaging can also be used to consolidate other debts, such as credit card balances or personal loans, into your mortgage, potentially reducing your overall monthly payments. As a mortgage broker, we have access to the latest mortgage deals and can help you find the most competitive options based on your circumstances.

2. First-time buyer mortgages

First-time buyer mortgages are specifically designed for individuals purchasing their first home. These mortgages often come with benefits such as lower down payment requirements, reduced fees, or particular government programs to help first-time buyers get onto the property ladder. We can help you navigate your area’s various first-time buyer options. We will explain each product’s eligibility criteria, application process, and benefits to help you find the best option for your needs.

3. Shared ownership mortgages

Shared ownership mortgages are designed to help people buy a home when they can’t afford the full purchase price outright. With shared ownership, you typically buy a share of the property (usually between 25% and 75%) and pay rent on the remaining share. Over time, you can gradually increase your ownership stake through a process called “staircasing.” Unsure if shared ownership is for you? We provide expert advice on shared ownership mortgages, explaining how they work, the eligibility criteria, and the pros and cons. We will assess your financial situation and help you determine if shared ownership is the right option for you.

4. Buy to let mortgages

Buy-to-let mortgages are for individuals who want to purchase a property with the intention of renting it out to tenants. Buy-to-let mortgages often have different eligibility criteria compared to residential mortgages. Lenders may consider factors such as the potential rental income of the property and the landlord’s existing portfolio of properties. We have access to a wide range of lenders and mortgage products, including remortgage deals. We can help you find the most competitive rates and terms that suit your financial situation and goals

5. New build mortgages

New-build mortgages are specifically designed for purchasing newly constructed properties. These mortgages often have unique features and considerations compared to traditional mortgages for existing homes. As experienced mortgage brokers, we specialise in various types of mortgages, including those for newly built properties. We understand the intricacies of these types of loans, such as the timelines involved, the builder’s requirements, and any incentives or schemes available for new build buyers. We can simplify the process of securing a new build mortgage by leveraging our expertise, access to lenders, and ability to navigate the complexities of buying a newly built property.

6. Bad credit mortgages

Bad credit mortgages are loans designed for individuals with less-than-perfect credit scores. These mortgages typically come with higher interest rates and stricter terms compared to traditional mortgages. People with bad credit may include those with a history of late payments, defaults, bankruptcies, or high levels of debt. We will assess your financial situation, including your credit history, income, debts, and assets and help you understand how lenders view your creditworthiness and identify any challenges you may face in securing a mortgage. We have access to a network of lenders specialising in bad credit mortgages. These lenders are more willing to work with borrowers with imperfect credit histories and may offer more flexible terms to accommodate their needs.

Other mortgages we offer in Chandler’s Ford include:

• Moving Home mortgages 
• Forces Help to buy
• Blue light Mortgages
• IVA Mortgages
• Mortgages with Defaults
• CCJ Mortgages
• Bankruptcy Mortgages

Explore the full list of our mortgages on our website.