Local Mortgage Brokers – Winchester

Visit our mortgage brokers in Winchester.

Looking for a mortgage broker and advisor in Winchester? Our team of local mortgage brokers is here to help you with all your mortgage and protection needs.

With access to 1,000s of mortgage products from 90 different lenders, we are able to find the right mortgage for you. Here at Mortgage Decisions, our team of brokers are available on hand 5 days a week to help customers find the perfect mortgage, that suits your unique needs and circumstances. Our team will guide you through the application process from start to end.

Our local mortgage brokers are experts in:

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

Contact details & opening times

2 Jewry Street
SO23 8RZ

Telephone: 01962 830880
Email: hello@mortgagedecisions.co.uk

8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm
8.30am – 6.00pm

Why choose the Mortgage Decisions team in Winchester?

Mortgage Decisions is a financial services company dedicated to finding our customers the right products and services. We offer a wide range of mortgage products and life insurance products in Winchester and Hampshire.

We work with a network of different lenders, including banks, credit unions, and private lenders. This can provide you with a wider range of mortgage options, including those that may not be readily available to the general public.

Our team at Mortgage Decisions is not just knowledgeable, but experts in the mortgage industry. They are equipped to provide valuable guidance and advice, helping you navigate the complexities of mortgage products, terms, and interest rates. Their expertise ensures that you find the best options that suit your financial situation and goals.

Shopping for a mortgage can be a daunting and time-consuming process. At Mortgage Decisions, we understand this. Our team is here to save you the effort of contacting multiple lenders, filling out numerous applications, and negotiating terms with each one. We will streamline the process on your behalf, making it a hassle-free experience.

We will find the best product for you. We will assess your financial situation and help you find mortgage products tailored to your specific needs. Whether you have good or bad credit, limited credit history, or other unique circumstances, we can assist you in finding the right lender.

Speak to our experts

With access to 1000s mortgages from over 90 high street lenders, we can help you find the right mortgage. Our five-star Google reviews back this up. Call us now and speak to a member of our experienced team.

Why get a mortgage in Winchester?

While deciding to buy property in Winchester should be based on your personal preferences, needs, and financial circumstances, Winchester has its own unique features and historic charm that may be appealing.

The city is known for its rich history, including its famous cathedral and medieval streets. If you appreciate historic architecture and a sense of tradition, Winchester is the right place for you to live.

Located in Hampshire, a county known for its scenic countryside, Winchester is close to the South Downs National Park and the New Forest with opportunities for outdoor activities and a beautiful environment. It is also just under an hour’s drive to the south coast.

Winchester consistently ranks as one of the best places to live in the UK, with low crime rates, good schools, a university, a strong economy, and access to green spaces and cultural activities. Furthermore, the city is well-connected by road and rail to London, Southampton, and other major cities, making it accessible for commuters or those who want to explore the broader region.

There is plenty to do and see, including a wide range of cultural events, restaurants, bars, and shops. It’s a centre for arts and culture in the region. Some of the attractions include The Great Hall, Theatre Royal, Marwell Zoo, Winchester Science Centre and Planetarium, Jane Austen’s House, and The Watercress Line.

Every winter, the famous Winchester Christmas market attracts people from all over the UK and is known as one of the country’s most popular and picturesque festive markets.

Buying a home in Winchester can also serve as an investment. Property values in desirable areas like Winchester often appreciate over time, which means you could potentially profit from the property’s increase in value.

Mortgages in Winchester

Looking for a mortgage broker in Winchester? You have come to the right place.

We offer a variety of products, from mortgages for first-time buyers and remortgages to buy-to-let mortgages and more.

  1. First-time buyer mortgages in Winchester

You are a first-time buyer if you have never owned a property or you have not owned a property for more than six months.

Various lenders have their own unique guidelines when it comes to first buyer mortgages. Typically, there are fewer complications in being a first-time homebuyer which can speed the purchase process up significantly. To be eligible for stamp duty relief as a first-time buyer, you should never have previously owned property anywhere in the world.

Getting your first mortgage might initially seem like a complex process, but it doesn’t have to be. Purchasing your first home in Winchester is an exciting endeavour. We will help you get the best product available based on your circumstances, make the process much smoother, and reduce costs, effort, and time. So, why not take advantage of this opportunity? The initial consultation is provided free of charge.

  1. Remortages in Winchester

Do you already own a property in Winchester and want to change lenders to find a better or more affordable deal?  We can help with that.

As experts in the remortgage market, we have a deep understanding of the available mortgage products and can provide valuable insights into which options are most suitable for your specific financial situation.

Furthermore, we have access to a wide range of lenders and mortgage products, including those that may not be readily available to the general public. This means we can help you find competitive rates and terms.

We will start by assessing your financial situation and goals and recommend the most suitable remortgage options. We will help you navigate the application process, ensuring that all necessary documents are prepared and submitted correctly and liaise with lenders on your behalf.

Researching and comparing different remortgage options can be time-consuming so let us do this work for you, saving you time and effort.

  1. New Build Mortgages Winchester

New-build properties are a great option for first time buyers and existing property owners. New build properties often come with the latest in construction technology and design trends. This means they may have more modern features, such as open floor plans, energy-efficient appliances, and smart home technology.

They typically require less maintenance in the early years because everything is new and under warranty. This can save you money and time compared to buying an older property that might need renovations or repairs.

Furthermore, new build properties are often built with energy efficiency in mind. They may have better insulation, double-glazed windows, and efficient heating and cooling systems, which can lead to lower utility bills.

Many new build properties are available through government backed up schemes. We can help you secure them.

  1. Buy to let Mortgages Winchester

Buy-to-let mortgages are specifically designed for individuals who want to purchase a property with the intention of renting it out to tenants. You will not be living at this property. When searching for a buy-to-let mortgage, lenders typically consider the potential rental income from the property and your own financial situation.

  1. Shared Ownership Winchester

Whilst we specialise in all mortgages, we can provide valuable guidance on the specifics of Shared Ownership mortgages, helping you understand the process, eligibility criteria, and the various options available. We work with a number of housebuilders in and around Winchester and have access to properties not yet available to the general public.

  1. Mortgages for self-employed

Securing a mortgage when you’re self-employed can have its unique challenges compared to traditional employment.

Lenders typically assess your income and financial stability differently for self-employed individuals because their income might be more complex and consistent than that of someone with a steady salary.

We can help you navigate the process and find the most favourable product for you and your family.

Other mortgage products we offer at our branch in Winchester:

Frequently asked questions

Is it worth paying a mortgage broker?

Is it better to go to a mortgage broker or a bank?

Can I apply for a mortgage without a broker?

Can a mortgage broker help with bad credit or non-standard circumstances?

What information do I need to provide to a mortgage broker?

My request to renew my existing mortgage with Mortgage Decisions was superbly handled by David who is a most knowledgeable person. I was impressed with his professionalism and his attention to detail. The end to end process was explained throughout by David in particular the various options available to me. This is the second time that Mortgage Decisions have assisted with my mortgage and I wouldn’t hesitate in asking them again in the future.

  • 5 star review on TrustPilotBarney

Would give them more stars if possible! John and Russell being on-hand, promptly respond and chase updates, they are unbelievably exceptional.

  • 5 star review on TrustPilotKarim A

Louis and Toby have been extremely helpful, They offered us advice and guidance throughout the whole process and they couldn't have done a better job. The service we received was exemplary.

  • 5 star review on TrustPilotCiara M

I would recommend using Mortgage Decisions as they made the process of choosing my first mortgage so easy to understand . They were very knowledgeable on all the products available ,but mostly they were prompt . Thank you in-particular to Toby and Louis.

  • 5 star review on TrustPilotLindsay B

Thank you, Kevin, and Beccy for a proactive service securing a better than expected mortgage rate.

  • 5 star review on TrustPilotSarah T