Local Mortgage Brokers – Romsey

Visit our mortgage brokers in Romsey.

Romsey are here to help you with all your mortgage and protection needs.

We have access to 1,000s of mortgage products from 90 different lenders which enables us to find the right mortgage for you.

Our team of mortgage brokers are available on hand five days a week to help customers find the perfect mortgage, that suits your situation. Our team will guide you through the application process from start to end. We will help apply for the mortgage on your behalf and deal with the lenders and solicitors.

Our local mortgage brokers are experts in:

• Moving Home
• First-Time Buyer
• Remortgages
• Buy to Let
• New Build Mortgages
• Shared Ownership
• Bad Credit Mortgages
• Bankruptcy Mortgages
• CCJ Mortgages
• Mortgages with defaults
• IVA Mortgages
• Forces Help To Buy
• Blue Light 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 various locations in Hampshire including Romsey, Winchester, Southampton, Farnham, Bishops Waltham, Alton, Chandlers Ford, Alresford, and Park Gate, you are never too far from mortgage help.

Crowned one of the best places to live in Hampshire, Romsey is known for its historic charm and friendly locals. Surrounded by stunning countryside and the beautiful River Test, this market town is known for its twisty streets and chocolate box thatched cottages. It offers a range of historic buildings, including Romsey Abbey, independent shops, cafes and eateries.

With easy access to the New Forest, major cities (Salisbury, Winchester, and Southampton), and golden beaches on the South Coast, Romsey is a great place to settle, with plenty to do and see.

The town is known for its free community festivals such as an annual duck race and Mayors Picnic, Carnivals, and a Food Fair and Romsey Festival.

This is a wonderful area for families. The schooling options are good, with all state schools rated ‘good’. There is also a good selection of independent schools. Farleigh is a popular prep school for those in the area. Stroud School and Pilgrims School offer good options for those in the south of the Test Valley, while Winchester College, St Swithun’s School and Godolphin School provide a range of options at the senior school level.

If you are looking for a mortgage broker in Romsey, you have come to the right place.

We offer a variety of products, catering to first-time buyers, house movers, buy-to-let mortgages and more.

1. First-time buyer mortgages in Romsey

If you’ve never owned a property or haven’t owned one for over six months, you qualify as a first-time buyer.

Getting a first-time buyer mortgage is generally quite a straightforward process which involves fewer complications, accelerating the purchasing process significantly.

Start with searching for your perfect property, plan your deposit (you will need at least a 5% deposit of the final sale price), and speak to us about applying for a mortgage and getting an agreement in principle. Agreement in principle will allow you to start making offers on properties you are interested in buying.

Searching for your first mortgage may seem complicated initially, but it doesn’t have to be. Embarking on the exciting journey of purchasing your first home in Romsey, we aim to assist you in accessing the best available product tailored to your circumstances.

2. Remortages in Romsey

If you already own a property in Romsey and are looking to switch to a different lender for a better or more affordable deal, we can help.

With our expertise in the remortgage market, we have an in-depth understanding of available remortgage products and will find the best options for your specific financial situation.

We have access to a wide range of lenders and mortgage products, even those not easily accessible to the public, meaning that we can assist in finding competitive rates and terms for your remortgage.

Our process begins by evaluating your financial situation and objectives, and then recommending the most fitting remortgage options. We’ll guide you through the application process, making sure all necessary documents have been submitted. We will act as a liaison with lenders on your behalf, for no extra cost to you.

Researching and comparing various remortgage options can be a time-consuming task. Let us handle this for you, saving you valuable time and effort.

3. New Build Mortgages Romsey

New-build properties are a great option for both first-time buyers and current property owners alike.

These homes often feature the latest technological advancements and modern design trends. Consequently, they often have sought-after features like open floor plans, energy-efficient appliances, electric car charges, and smart home technology. These properties are often designed with a focus on energy efficiency and sustainable living. They commonly feature superior insulation, double-glazed windows, and highly effective heating and cooling systems, resulting in reduced utility expenses.

New build properties generally demand less maintenance in their initial years as everything is brand new and covered by warranties.

Many new build properties are available through government backed up schemes. We can help you apply for a new build mortgage in Romsey and secure it.

4. Buy to let Mortgages in Romsey

Buy-to-let (BTL) mortgages are for individuals looking to buy a property to rent out instead of living in. Many lenders consider these mortgages to be higher risk and you’ll need to meet certain conditions to apply for one. Don’t worry, we can help with all of these. We will help you gather the required documents and once ready; we will apply for a BTL mortgage on your behalf.

5. Shared Ownership in Romsey

You found your dream home but can’t quite afford it? If the property you want is available through a Shared Ownership scheme, we can help you secure it.

Shared Ownership is a government back scheme which allows you to purchase a property with a fraction of the usual deposit or mortgage.

We can help you understand the intricate process, eligibility requirements, and the available options. We work with several housebuilders in the Romsey and the surrounding areas, giving us access to properties that are not yet accessible to the general public.

6. Mortgages for self-employed

If you are self-employed, you may find it harder to secure a mortgage than if you were employed.  Lenders often evaluate income and financial stability differently for self-employed individuals due to the potentially less consistent and more complex nature of their earnings compared to individuals with a fixed salary.

We can help self-employed individuals secure the most advantageous mortgage product for their unique circumstances and needs.

Other mortgage products we offer at our branch in Romsey:

• Equity Release
• Self-build mortgages
• Bridging finance
• Development finance
• Contractor mortgages