Bournemouth Mortgages

25/10/2026

A little bit of news from Bournemouth Mortgages!

George has been invited back as a judge for the **Your Mortgage Awards 2026**, for the second year running!

The awards recognise mortgage lenders that deliver great products, service and value.

George was asked to share his experiences of working with different lenders, including how good their service is and whether he'd recommend them.

Because when it comes to choosing a mortgage, it's not always just about the interest rate. The people and service behind it matter too.

Lovely to see George's experience contributing to a national mortgage industry awards programme.

Read the full story here:
https://www.bournemouthmortgages.co.uk/post/george-christou-your-mortgage-awards-judge-2026

Bournemouth mortgage broker George Christou returns as a judge for the Your Mortgage Awards 2026, sharing his experience of lender service, performance and customer value.

30/09/2026

Mortgage deal ending in the next 6 months?

Now could be a good time to act.

Mortgage rates have been moving upwards again, and there are signs that the pressure could continue.

So, if your current mortgage deal is due to end in the next few months, it could be worth looking at your options now rather than waiting until your deal expires.

Many lenders allow you to secure a new rate around six months in advance – and there are two main options to consider:

Rate switch:

Stay with your existing lender and move onto a new deal. This can often be a straightforward option, particularly if your circumstances haven't changed.

We handle rate switches with your current lender free of charge.

Remortgage:

Move your mortgage to a different lender. Another lender may offer a more suitable deal, particularly when you take into account the interest rate, fees and overall cost.

At Bournemouth Mortgages, we'll compare the options and help you understand which route suits your circumstances – rather than simply focusing on the headline rate.

And with mortgage rates currently moving upwards, getting the ball rolling earlier could give you the opportunity to secure a deal before things change again.

Call us on 01202 985214 for a no obligation chat, or visit:
https://www.bournemouthmortgages.co.uk/remortgaging

22/09/2026

Not every mortgage application is straightforward.

Sometimes your circumstances need a little more thought, experience and a mortgage adviser who takes the time to understand the bigger picture.

This lovely five-star review came from a customer with an unusual situation involving two properties and separate mortgages.

"Excellent service from start to finish.

George has been absolutely brilliant throughout the whole mortgage process. I had a slightly unusual situation involving two properties and separate mortgages, and he made the whole thing straightforward and easy to understand.

He was always responsive, kept me updated, answered any questions quickly and, most importantly, got everything successfully approved and in place.

Professional, knowledgeable and genuinely helpful throughout. I couldn’t have asked for better service and would have no hesitation recommending George to anyone looking for mortgage advice.

Top marks and a very well deserved five stars."

❤️ Thank you for taking the time to share such lovely feedback!

At Bournemouth Mortgages, we believe mortgage advice should be straightforward, tailored to your circumstances and available for out of hours support.

Whether you're buying your first home, remortgaging or dealing with a more complex situation, we're here to help. Get in touch for a no-obligation chat about your specific circumstances.

📞 01202 985214
https://www.bournemouthmortgages.co.uk/

11/09/2026

Would you pay a premium to live near the New Forest?

New research from Nationwide has revealed that the New Forest has the highest average property price of any National Park in Britain, at £563,000.

And the appeal of protected landscapes is reflected more widely in property prices. Across Britain, homes within National Parks attract an average 24% price premium, while even homes within 5km attract an average 6% premium.

For buyers in Bournemouth, Christchurch and Dorset, it’s an interesting look at the value people place on having some of the country’s most beautiful coast and countryside close by.

We’ve taken a look at the findings – and what they could mean if you’re thinking about where to buy locally.

Read the full article: https://www.bournemouthmortgages.co.uk/post/new-forest-property-prices-what-buyers-in-bournemouth-and-dorset-need-to-know

If living close to the New Forest is part of your dream move, new research shows just how highly buyers value the lifestyle it offers.Nationwide’s latest analysis of property prices around Britain’s National Parks found that the New Forest has the highest average property price of any National P...

18/08/2026

One bank said no. Five weeks later, the mortgage had completed.
A recent client came to us after struggling to progress a commercial mortgage application with her bank.

She was purchasing a commercial warehouse divided into multiple rented units, borrowing more than £500,000 with a 25% deposit and an anticipated rental yield of around 10%.

The issue wasn't necessarily the strength of the deal. Her bank wouldn't accept the ownership structure she wanted — purchasing the property in her personal name.

Rather than changing her plans to fit that bank's criteria, we looked for a lender whose criteria fitted what she was trying to achieve.

Five weeks after approaching Bournemouth Mortgages, her commercial mortgage was approved and the purchase completed.

In her Google review she said:
“He achieved what the bank couldn’t, and made what had become a stressful process feel straightforward.”

Different lenders have different criteria. Sometimes a “no” doesn't mean the deal is dead — it means you need to find a lender whose criteria fit what you're trying to achieve.

Had a mortgage application declined or been told your circumstances don't fit a lender's criteria? A second opinion could uncover options you haven't considered.

Give me a call on: 01202 985214 or visit:
https://www.bournemouthmortgages.co.uk/commercial-mortgages-hub

01/08/2026

Not every mortgage application meets a lender's tick-boxes.

It doesn't have to mean it gets rejected.

If you're:

• Self-employed
• A company director
• Buying an investment property
• Changing jobs
• Receiving bonuses or commission
• Purchasing an unusual property

The good news is that if you've had a "no" from one lender doesn't mean the answer is no everywhere.

Every lender has different criteria, which is why understanding the market can make such a difference.

If your circumstances are a little more complicated than average, it's worth speaking to a broker who takes the time to understand your situation rather than trying to fit you into a standard process.

I make myself available to my clients on evenings and weekends, because I know busy professionals and business owners can't always talk during office hours.

Visit: https://www.bournemouthmortgages.co.uk/

Call: 01202 985214

21/07/2026

Thinking about buying a buy-to-let through a limited company?

Our latest guide breaks down how limited company buy-to-let mortgages work, what lenders look for and when it could save you tax and admin — or when buying personally is better.

Read the full guide: https://www.bournemouthmortgages.co.uk/post/should-you-buy-a-buy-to-let-property-through-a-limited-company

If you're thinking about investing in property, you've probably heard people talking about buying through a limited company rather than in your own name.For some landlords, it can be the right approach. For others, buying personally may be more suitable.The important thing is understanding the diffe...

11/07/2026

Should I wait for mortgage rates to come down?

It's the question that's been asked a lot recently.

The honest answer? Nobody knows exactly what rates will do next.
What I do know is that waiting for the "perfect" rate isn't always the best financial decision. If the right property comes along, or your mortgage deal is coming to an end, it's worth looking at all of your options rather than relying on predictions.

Every situation is different, so my advice is always based on what's right for you, not what's making the headlines.

If you're unsure whether now is the right time to buy, move or remortgage, feel free to get in touch. I'm always happy to have a chat and help you understand your options.

Working from Patch Places Bournemouth, helping clients both locally and across the UK.

https://www.bournemouthmortgages.co.uk/

21/06/2026

One thing that often surprises first-time landlords is that buy-to-let affordability works very differently from residential mortgages.

With a residential mortgage, lenders focus heavily on your income and personal affordability.

With buy-to-let, the expected rental income from the property often plays a much bigger role.

That means two properties with the same purchase price can sometimes produce very different borrowing outcomes depending on:

• Expected rental income
• Property type
• Tax position
• Whether the property is held personally or through a limited company

This is one reason why buy-to-let mortgages aren't always as straightforward as many people expect.

I'm available to chat 7 days a week and outside of traditional office hours because mortgage questions don't always arise between 9 and 5.

If you're considering a buy-to-let investment and want to understand what's realistically possible, feel free to get in touch for a no-obligation chat.

https://www.bournemouthmortgages.co.uk/buy-to-let

06/06/2026

One big mortgage myth is that being self-employed automatically makes getting a mortgage much harder.

In the real world, many lenders are very comfortable with self-employed applicants.

The key is understanding things like:
• How your income is structured
• Whether you trade as a sole trader, partnership or limited company
• Your trading history
• Which lenders assess income in the most suitable way

Two business owners with identical incomes can receive different outcomes depending on how their case is presented and which lender is approached.

If you're self-employed and want to know more, I'm available for a no-obligation chat outside of normal working hours, making it easier for busy professionals, business owners and landlords to discuss their options when it suits them.

https://www.bournemouthmortgages.co.uk/