Prospect Mortgage Services

Prospect Mortgage Services Isle of Wight - Mortgage & Insurance Services

We are Independent Mortgage Brokers, proud to offer expert advice and personal, professional services.

We specialise in helping first-time buyers, families, and businesses with mortgages, insurance, and more. Prospect Mortgage Services is an Isle Of Wight based mortgage company providing excellent advice and arrangement of Mortgages, Insurances and other related services. Included in our Professional Service is:

Home Visits
Evening Appointments
Interview Office
Free Advice
Free Parking
Free Tea &

Coffee Facilities


We even have a friendly dedicated team who will keep you updated on the progress of any application so you don't have to worry about whats going on all the time.

This one made us smile. 😊There is nothing quite like hearing that someone who came to us feeling completely lost has wal...
10/06/2026

This one made us smile. 😊

There is nothing quite like hearing that someone who came to us feeling completely lost has walked away with a mortgage offer and the keys to their first home on the horizon.

Congratulations - we hope you love your new place. 🏡

If you’re in the same position: never had a mortgage, not sure where to start, a little bit apprehensive, then give us a call on 01983 616666. We’d love to help.

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

If you’re self-employed on the Island and wondering whether a mortgage is actually possible - we’d like to put your mind...
08/06/2026

If you’re self-employed on the Island and wondering whether a mortgage is actually possible - we’d like to put your mind at rest. 🧩

We’ve been arranging mortgages for self-employed people here on the Isle of Wight for over 20 years.

Sole traders, limited company directors, contractors, freelancers - we’ve seen every combination, worked closely with Island accountants, and built up a depth of understanding that makes a real difference when it comes to getting the right result.

Self-employed mortgages aren’t harder. They’re just different. They need someone who knows which lenders genuinely understand variable income, how to present your accounts in the strongest possible way, and how to navigate the nuances that a standard application just doesn’t have.

If you’ve been told it’s complicated, or assumed the door was closed because of how you work - have the conversation before you write it off.

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

One thing our clients tell us all the time - they love being able to come in and see us. 🏡We’re based at The Old Piggery...
03/06/2026

One thing our clients tell us all the time - they love being able to come in and see us. 🏡

We’re based at The Old Piggery at Cheeks Farm in Merstone - right in the heart of the Island. It’s easy to find, easy to park, and a genuinely lovely space to sit down and talk through something as important as your mortgage.

There’s something about having a face-to-face conversation that just works better for this kind of thing. No rushing, no hold music, no being passed around. Just a proper chat with someone who knows their stuff and genuinely wants to help you get the right outcome.

We’re open Monday to Saturday - and our advisers can often accommodate evening appointments too if that suits you better.

If you’ve been putting off the conversation because life’s been busy, come and see us!

Book an appointment or call us on 01983 616666.

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

Happy 1st of June everyone! We’ve had a lovely review come in - and this one made us smile. 😊Ten years, multiple mortgag...
01/06/2026

Happy 1st of June everyone!

We’ve had a lovely review come in - and this one made us smile. 😊

Ten years, multiple mortgages, and their son’s first home sorted too. Oh, and they mentioned that you can actually speak to a real person on the phone - which apparently isn’t as common as it should be these days!

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

Things that are less complicated than people think:1. Getting a mortgage in principle: Most people assume this takes day...
29/05/2026

Things that are less complicated than people think:

1. Getting a mortgage in principle:
Most people assume this takes days. In reality, we can usually get one sorted in 24 hours. It often only involves a soft credit check - so no impact on your score.

2. Checking your credit score:
Five minutes using the right tool is all it takes. We have a free 7-day Check My File link on our website that pulls data from all three UK credit agencies at once. Powerful stuff.

3. Remortgaging with your existing lender:
Also known as a product transfer - and it’s often much simpler than people expect. Give us a call, we compare what your lender is offering against the rest of the market, and we handle everything from there.

4. Switching from interest-only to repayment:
It sounds like a big deal but it really doesn’t have to be. Your adviser can walk you through exactly what it means for your monthly payments.

5. Finding out how much you can borrow:
We have a calculator on our website that gives you a realistic ballpark figure in about two minutes. It’s a great starting point before you pick up the phone - or just to satisfy that 11pm curiosity.

6. Booking an appointment with us:
Just give us a super quick phone call on 01983 616666. We’re open Monday to Saturday and we’re based right here on the Island. If not use the Appointment Booker on our website.

Sometimes the things we put off the longest turn out to be the simplest to sort!

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

Is buy-to-let still worth it in 2026? 🏘️It’s a question we get asked a lot - and the honest answer is: it depends.The la...
26/05/2026

Is buy-to-let still worth it in 2026? 🏘️

It’s a question we get asked a lot - and the honest answer is: it depends.

The landscape has changed quite a bit. Tax rules have shifted, mortgage rates have moved, and the Renters’ Rights Act brings new responsibilities for landlords from May.

Being a landlord involves more admin than it used to.

But for the right person, with the right property, in the right location -it absolutely still makes sense. The Isle of Wight rental market remains strong, and a well-chosen property here can perform well over the long term.

It’s not a decision to rush. But if you’re curious whether the figures stack up for your situation, we’re happy to have that conversation.

Give us a call on 01983 616666. 🏡

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

“Get on the ladder.” Everyone says it. But what does it actually mean? 🤔It’s one of those phrases that gets thrown aroun...
20/05/2026

“Get on the ladder.” Everyone says it. But what does it actually mean? 🤔

It’s one of those phrases that gets thrown around a lot - usually by someone who bought their first home twenty years ago and makes it sound like the simplest thing in the world.

For a lot of people right now, it feels anything but simple. So here’s what it actually looks like in practice.

It starts with one question - how much can I borrow? Not a rough guess from a calculator you found online at midnight. A real figure, based on your actual income, your outgoings, and your deposit.

From there it’s about getting the basics right:
- Are you on the electoral roll?
- Do you know what your credit file looks like?
- Is there anything worth tidying up before you apply?

And then it’s about having the conversation. That’s the bit most people put off the longest - and it’s almost always the bit that makes everything feel more manageable once it’s done.

For most people on the Isle of Wight, getting on the ladder is closer than they think. We’ve been helping people get there for over 20 years. Drop us a message or give us a call on 01983 616666 - let’s find out what it looks like for you. 🏡

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

One thing we hear a lot: ‘’I didn’t realise I could speak to you outside of normal working hours.’’You absolutely can!We...
18/05/2026

One thing we hear a lot: ‘’I didn’t realise I could speak to you outside of normal working hours.’’

You absolutely can!

We’re open Monday until 7pm, Tuesday to Friday until 5pm. Our advisers can also often accommodate other evening and Saturday appointments outside of those times, if you give us a bit of notice.

We can meet you face to face at our office in Merstone, chat over the phone, or do a video call - whatever works best for you.

Because we know life is busy, and sorting your mortgage shouldn’t feel like a second job.

You can book an appointment on our website or call us on 01983 616666! 🏡

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

Buying your first home is a big deal - and we know how much it matters to feel supported and in safe hands throughout th...
13/05/2026

Buying your first home is a big deal - and we know how much it matters to feel supported and in safe hands throughout the process.

Thank you so much for taking the time to leave this review!

And if you’re reading this and you’re thinking about your first mortgage - we’d love to help you too. Drop us a message or give us a call on 01983 616666!

Disclaimer: Your home may be repossessed if you do not keep up payments on your mortgage.

Address

The Old Piggery, Cheeks Farm, Merstone Lane
Newport
PO303DE

Telephone

+441983616666

Website

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