Mortgage advice in Portsmouth
Honest, jargon-free mortgage advice from a small Portsmouth team. Whether you are buying, moving, remortgaging or investing, we explain your options and do the legwork.
Finding the right mortgage can feel like a lot, especially when rates, lenders and rules seem to change every week. A local mortgage adviser takes that weight off you. At Chatsworth Mortgage Group we are based in Portsmouth, we talk to you in plain English, and we stay in touch from your first chat right through to completion and beyond.
Our mortgage advice in Portsmouth covers first time buyers, home movers, remortgages, buy to let and more complex cases, such as self-employed income, recent credit issues or unusual properties. Josh Halsey, our founder, specialises in residential and buy to let mortgages, including the cases other brokers turn away.
What a Portsmouth mortgage adviser does for you
Looks at the whole picture
We start with your income, deposit, outgoings and plans, then work out what is realistic before you fall in love with a property. That avoids nasty surprises later.
Searches a broad panel of lenders
We work with a broad panel of lenders, including some you will not find on the high street, and explain the pros and cons of each option in plain English.
Handles the paperwork
We prepare and submit your application, chase the lender and keep your solicitor and estate agent in the loop, so you are not left chasing three different people.
Mortgage help for homes across Portsmouth and nearby
We help people buying and owning homes across Portsmouth and the surrounding area, including Southsea, Cosham, Fratton, Havant and Emsworth. Every area has its own mix of properties, from Victorian terraces and converted flats to new builds, and some of them need a little extra care with lenders. Knowing how those cases are treated is part of what we do.
Not sure where to begin? Our guide to choosing the right Portsmouth mortgage broker explains what to look for. If you want to see how we have helped real people, read our first time buyer case study or our remortgage case study.
How our mortgage advice works
It is simple. First, we have a free, no obligation chat to understand what you are planning. Second, we work out how much you could borrow and which type of deal might suit you, and we can help you get an agreement in principle. Third, we handle your application and keep you updated at each stage. Finally, we stay with you through offer and completion.
To make the first chat as useful as possible, it helps to have a rough idea of your income, deposit and any debts. Our list of the documents needed for a mortgage shows what lenders usually ask for, and our guide to how income affects mortgage approval explains how they look at your earnings.
Mortgage advice in Portsmouth: your questions answered
Do I need a mortgage adviser in Portsmouth?
You do not have to use one, but many people find it helps. An adviser can compare lenders for you, explain what each deal really means, and spot problems before they hold up your application.
How much does mortgage advice cost?
Your first chat with us is free and there is no obligation. We will explain how we are paid, including any fees, before you decide to go ahead.
How early should I speak to a mortgage adviser?
As early as you like. Speaking to an adviser before you start viewing properties means you know your budget and can move quickly when you find the right home.
Can you help if I am self-employed or have a poor credit history?
Often, yes. We regularly help people whose situation is a little more complicated. We cannot promise an outcome, because every lender and every case is different, but we will tell you honestly what is possible.
How do I book a free chat?
Use the Book a free chat button on this page to pick a time that suits you, or call us on 02382 029 094.
Your first chat is free, and there's no obligation.
Tell us what you're planning. We'll tell you honestly what's possible.