Mortgage Broker Portsmouth

Independent Mortgage Broker Portsmouth. We have been arranging mortgages in Portsmouth for over 20 years.   

We offer an excellent and professional mortgage service. For most of the mortgages that we arrange in Portsmouth we do not charge fees. This is because mortgage lenders pay us a small percentage of the mortgage arranged when it completes. We only charge you a fee in addition to this if the mortgage arranged is less than £100,000. For mortgages of under £100,000 there may be a fee for mortgage advice, the specific amount will depend upon your circumstances but our typical fee is £200.

We are fully independent mortgage brokers and arrange all residential mortgages for purchase, remortgage and buy to let properties in Portsmouth and the surrounding areas. 

We deal with lenders on your behalf, so everything from paperwork to application is as stress-free as we can make it.  Working with lenders, large and small to give you exclusive access to a comprehensive range of mortgage rates.

There are no charges to you when we research or recommend mortgages in Portsmouth and you will be under no obligation if you use our free online daily updated best mortgage deals. We do however recommend that any mortgage should be advised by someone Independent and Impartial. Why do all the research and application and paperwork when you can use an Independent Mortgage Broker local to Portsmouth to do it for you.

Remortgaging your property in Portsmouth

It is possible that you could save money by arranging a new mortgage deal. Whether this be a new rate with your current provider or by remortgaging to a lender with a better offer. If you are on your lender’s Standard Variable Rate (SVR) or only have up to six months left of a fixed, tracker or discounted rate, we would recommend you speak to Impartial about your mortgage options.

We are a whole of market Portsmouth Mortgage Broker.  We research and arrange mortgages from across the whole market. 

Portsmouth Buy to Let Mortgages

There is good demand for rental properties in and around Portsmouth.

If you are considering your first buy to let, we would recommend you seek independent mortgage advice. 

You may already own a buy to let property or have a portfolio of properties and planning to purchase more? Impartial will talk you through your options and mortgages available before recommending the most suitable mortgage for you.

What happens when you contact us?

When you contact Impartial, we will initially discuss your needs, answer any questions and ask what we can do for you.  A meeting can then me arranged, or we can email you a short mortgage questionnaire which you can complete and return in your own time.  This helps us to understand your financial circumstances and needs so that we can recommend the most suitable mortgage for you.

Please refer to our Impartial Mortgages FAQ's or some of the most popular questions about our services are under the daily best mortgage deal tables.

How does the mortgage process work?

Most mortgages are arranged on-line by us. Once we know your personal information and financial circumstances we will recommend the best mortgage deal for you. We will then complete the agreement in principle (lender credit check) and then submit the application if accepted.

Proof of income and supporting documentation is then sent to the mortgage lender.

The lender arranges the valuation of the property and once this is returned, the case is normally reviewed and the mortgage offer issued.

Impartial will follow the progress of the mortgage from submission to the lender through to completion.

How long will the process take?

very mortgage is different. However, a general guide would be, remortgage 4-5 weeks and a purchase/home mover 6 weeks to 3 months dependent on number of buyers in the chain.

We can sometimes arrange a mortgage in Southampton within 24 hours if it is urgent. As we are local the process is made easier.

Remember that your home may be repossessed if you do not keep up repayments on your mortgage. 

Wills & trusts, conveyancing services, and most forms of buy-to-let mortgages are not regulated by the Financial Conduct Authority.