Mortgage Broker Winchester

Mortgage Broker Winchester

Are you looking to buy or refinance a property in Winchester and want to know more about the process, the city, and choosing a mortgage broker? This page can help.

About Winchester

If you are looking for a mortgage broker to help you with your purchase in Winchester, we can help you to match with a mortgage broker that can assist you.

If you are planning to move to Winchester, you should learn about the place where you intend to live like what is available in the town, and perhaps the history behind it too. You may already have a lot of knowledge about the city but for anybody that doesn’t and wants to learn more, hopefully, this will help.

Winchester is a historic city located in the south of England. The city is most famous for its cathedral, which is one of the largest in Europe. It is the former capital of England and was one of the largest cities in medieval Europe.

Winchester was also the capital of England for many years. Today, the city is a popular tourist destination.

The city is home to several historic buildings and monuments, as well as a variety of shops, restaurants, and cafes.

Winchester is also home to several universities and colleges, making it a popular destination for students. Find things to do in Winchester here.


An expert mortgage adviser on the phone speaking to a customer

Where are some good areas to buy a property around Winchester?

Everyone will have a different idea of what they consider to be the best area to live in, which will be based on their tastes, interests, etc.

Some popular spots within reach of Winchester however are Alresford, Bishop’s Waltham, and Wickham. Here is a bit of information about each place.


Alresford is a village and civil parish in the East Hampshire district of Hampshire, England, about 20mi northwest of Winchester. One of the larger villages in the area, Alresford has grown over the past few decades. It is famous for its watercress production and has a popular steam railway. Alresford’s historic town centre is picturesque, with many old buildings, including several timber-framed buildings, dating from the 15th and 16th centuries. It is home to the Perins School, which is a sports college. The town has a thriving community, with many clubs and societies. Alresford is twinned with the French town of Augé, in the département of Maine-et-Loire.

Bishop’s Waltham 

Bishop’s Waltham is a town in Hampshire, England, on the river Hamble about 10mi southwest of Winchester and 30mi southeast of Southampton. It is the only remaining town in the Winchester Urban Area. The town has a long history dating back to the 10th century when it served as the capital of Wessex and was known as Waltham. The town is twinned with the German town of Waltham, Massachusetts. Today, Bishop’s Waltham is a thriving market town with a variety of shops and businesses. The town has a supermarket, a variety of pubs and restaurants, a library, a leisure centre, a doctor’s surgery and a dentist. There is also a monthly farmers’ market.


Wickham is a village located in the borough of Fareham in Hampshire, England. It is situated on the A32 road, close to the borders with both the City of Winchester and the Borough of Gosport. It has a population of around 3,000 people, but this of course changes. The village has a long history and was mentioned in the Domesday Book. It was once a market town and was also the site of a battle during the English Civil War. The village is now a commuter town for both Portsmouth and Southampton and is also home to several businesses and amenities. These include a supermarket, a primary school, a doctor’s surgery and several pubs and restaurants.

To look for homes for sale in Winchester, good resources are RightmoveZoopla and On The Market.

Winchester cathedral with sun shining

What are the schools like in Winchester?

Schools may be an important factor when looking to buy your home and many people make it a priority to buy a home within a certain catchment area so their children can visit the preferred school.

Winchester has a selection of good schools. It’s not possible to say which is best as different children have different requirements but some schools around Winchester that are known to be of a high standard are The Pilgrims School, Henry Beaufort School and The Westgate School.

How much deposit would I need for my residential property in Winchester?

The answer to how much you will need to put down as a deposit for your property in Winchester will change depending on many things. These will be factors in the deal such as property value, the mortgage lender, how much you earn, your credit history and more. 

For example, if your credit score is not perfect, a 5% deposit may not be an option as this is the highest risk to a lender.

To find out more about your credit history, go to Check My File. This will show you data from all three of these credit reference agencies.

Generally, though, the minimum deposit that you can put down is 5%, so for a property value of £400,000, this would mean a deposit of £20,000 if your income was enough to be lent the remaining £380,000.

If you are thinking about taking a mortgage, you should always take advice from a professional mortgage adviser who knows all your options.

Happy mortgage broker giving free mortgage advice over the phone


Is Winchester a good area for commuters?

Winchester is a good town for commuters as it is served by some good roads and railway links.

For example, the time to get to Southampton on the M3 takes only around 25 minutes. Getting to Basingstoke on the M3 also takes approximately 25 minutes.

To get to Farnham on the A31, the journey will take around 40 minutes with Guildford being around 50 minutes.

The train from Winchester station also goes to London Waterloo with it taking just over an hour on their fastest trains.

The COVID pandemic saw a lot of people living in London choose to move to the home counties and further exchange smaller homes for a property with more space and gardens. This change will have seen people move from the capital to call Winchester their new home.

Is Winchester a good area for buy to let investors?

Winchester has remained a solid area for buy to let investors as employment has remained high and there are some large employers in the area so plenty of scope for tenants.

Professionals living in Winchester that commute to London weekly and many people that work in the Southampton area take advantage of the proximity of the M3.

Winchester University is another opportunity for landlords with many of the students renting rooms in student properties. These can attract higher yields than standard buy to let properties as they are let on a room-by-room basis but may come with more risk.

For the South of England, the yields have been around average at approximately 4% but this varies from property to property so you should calculate this when looking at investment properties in Winchester.

To find out your options and get advice around buy to let investing, you should speak with an experienced mortgage adviser.

Mortgage brokers office in Winchester

Is Winchester a good area for commercial investors?

If you’re looking to buy a commercial property, Winchester may be a good area for you to consider.

Lots of businesses are based in Winchester with a large selection of retail units, offices, pubs, restaurants and warehouses in the area. Generally, the commercial property market in Winchester has remained quite steady with property increasing slowly over time.

If you are planning on occupying your commercial premises yourself, Winchester has some good transport routes with the A31 and M3 both serving the town. The train also goes directly to Waterloo which is useful if you must visit the capital for work reasons.

If you would like to get advice about what commercial mortgages you may be eligible for to buy or refinance a commercial property in Winchester, first fill in the contact box and I NEED ADVICE will arrange for an experienced commercial mortgage broker to tell you your options and discuss the services they offer.

To find commercial properties for sale in Winchester, you can use Rightmove, Zoopla or PrimeLocation.

What is the housing market like in Winchester?

In general, the housing market in Winchester has been stable over the past years. Houses have continued to rise, and the city has remained a popular place to live. Unemployment figures have remained low which suggests that there are plenty of healthy companies in the area with a high demand for staff.

Being located next to the A31 and M3 make Winchester a good town to commute to other popular locations such as Farnham and Southampton. As a result, there is demand in the city for people working in other locations which help to keep house prices stable.

The market for flats in Winchester has not been as strong as houses which have been seen across the UK in general. COVID saw many people wanting to live in homes with gardens creating a surge of demand for houses and not as much for flats. 

Winchester has continued to attract a lot of tourists which helps property values with people considering holiday properties in the area.


Mortgage advisor giving mortgage advice

I’m looking to buy a property in Winchester. Does my mortgage broker need to be in Winchester too?

No, your mortgage broker does not need to be in Winchester to be able to help you.

It is not uncommon now for mortgage advisers to give mortgage advice on the telephone or over platforms such as Zoom or Teams. Working with a broker that works in this way can allow borrowers to find it easier to fit in a telephone meeting without the need to travel to the brokers’ offices for meetings.

If you feel that a face-to-face appointment is needed for you to deal and understand the process, then you should select a broker that is close by and discuss the services they offer.

If you would like I NEED ADVICE to arrange for a broker to give you a call first with a free consultation and then give you bespoke mortgage advice on products and rates, please complete the contact form.

What should I be looking out for when buying a property in Winchester?

There are a few things to consider first when buying a home in Winchester. The first is the location of the home. You will want to make sure that it is in a good neighbourhood and is close to the amenities that you need.

The second is the condition of the home. You will want to make sure that it is in good condition and is structurally sound. Many properties are old so having a full conducted may be worth considering.

The third is the price of the home. You will want to make sure that you are getting a good deal on the home.

River in Winchester near mortgage brokers office

What should I be looking at when choosing a mortgage broker in Winchester?

Your mortgage is a very important transaction as often your house is the most expensive investment that you make. You should make sure you are comfortable with any mortgage adviser that you are using.

Selecting a broker should be done with care and due diligence. 

We would suggest looking at the firm’s reviews and ask your broker about their experience and services in line with your scenario.

You can Look at the company’s best reviews from websites such as Google and Trustpilot, it is always worth doing. 


Winchester is a beautiful city steeped in history. There are plenty of things to do with some great spots around the city.

The property market has remained steady over the years which should be welcome information if you are considering buying a property there.

If you’re looking to take a mortgage to buy a property in Winchester, it’s always prudent to take professional advice from a qualified mortgage adviser.

I NEED ADVICE can arrange for a mortgage broker to contact you to give you advice on your mortgage options including rates for your property in Winchester. There will be no charge for an initial conversation, and you are not obligated to use the mortgage adviser that we match you with.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

You may also be interested in…


Because we know mortgages can be complicated if you go it alone.

Why match with a mortgage advisOr?

Orange Tick They are experienced, which can boost your chances of being approved.

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Our matching service is free and there is no obligation to proceed with the advice.

By completing this form you agree to be contacted about your mortgage enquiry.


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How does I NEED ADVICE work?

1st Stage how mortgage advice works

Fill out our quick form so we can match you with the perfect broker. It only takes a few minutes and won’t impact your credit score.

2nd Stage how mortgage advice works

We will match you to an expert mortgage advisor who can help you in your situation.

3rd Stage how mortgage advice works

An expert mortgage advisor will be in touch to guide you through every step of the process.


Calculate your monthly mortgage repayment.

Please note, this is a guide to how much you’d pay on a repayment mortgage, assuming your interest rate stays the same.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.


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