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Astute Mortgages Ltd

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Portsmouth, Hampshire based family run expert Mortgage & Protection Advisors. You Talk, we listen! Astute Mortgages Ltd is registered in England and Wales.

At Astute Mortgages, our Mortgage & protection advisers are based in Waterlooville, Portsmouth. If you are thinking, is there a mortgage broker near me, look no further than Astute Mortgages. Astute Mortgages is a family-run mortgage broker that provides expert mortgage & protection advice and does it all for you! The advice, the application, all the paperwork, the bank and solicitor chasing, and take away the stress. Speak with us today for your mortgage or protection needs via phone, video call, or WhatsApp. Astute Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA Number: 974763). Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hants, PO8 8DH. Company No: 12727722

28/10/2026

Moving home while you are part-way through a mortgage deal? You may hear the word "porting". Here is what it means.

Most mortgages are now portable, meaning you may be able to take your current deal with you when you move. But it is not automatic:
• Porting is treated like a new mortgage application, so you will need to meet the lender's affordability checks and criteria again.
• Usually only the amount you currently owe stays on your existing deal.
• If you need to borrow more, the extra amount normally goes on a new deal, which may have different terms and end on a different date.
• If porting does not work out and you move to another lender, you may have to pay an early repayment charge on your current deal.

If you think you might move during your current deal, it is worth checking your mortgage terms, including how any early repayment charge works, before you start house-hunting. This is general information, not personal advice.

Did you know about porting before? Let us know in the comments.

Planning a move around Portsmouth, Havant, Waterlooville or wider Hampshire? Speak to an authorised adviser about your circumstances.

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

Astute Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

27/10/2026

Looking at a new-build home around Waterlooville, Havant or elsewhere in Hampshire? Buying new can work a little differently from buying an older home, so here are some points worth knowing before you reserve.

• Reservation agreement: this sets out the price, the reservation fee, how long the reservation is valid and the date by which contracts must be exchanged.
• Cooling-off: if the developer is registered under the New Homes Quality Code, you have a 14-day cooling-off period in which you can cancel and get the full reservation fee back.
• Warranty: ask who provides the new-home warranty and what it covers.
• Pre-completion inspection: under the Code, you can inspect the home before you complete.
• Ongoing costs: ask about any estate or management charges, as lenders may take these into account.
• Timing: if the home is not finished yet, ask how long your mortgage offer is valid for and what happens if the build is delayed.

Every development and lender is different. This is general information, not personal advice.

Thinking about a mortgage for a new-build purchase? Speak to an authorised adviser about your circumstances.

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

Astute Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

26/10/2026

How much could I borrow for a mortgage? It is one of the first questions buyers in Portsmouth, Havant, Waterlooville and across Hampshire ask, and the answer depends on more than your salary.

What lenders typically look at:
• Your income, and how secure it is (for example, your employment contract, or your accounts and tax returns if you are self-employed)
• Your regular outgoings, such as credit cards, loans, car finance, childcare and household bills
• Property costs, such as Council Tax, service charges, ground rent or estate charges
• Your credit report
• The size of your deposit

Each lender has its own rules, and you will only know what a lender will offer when you apply. It is also worth asking yourself whether you could still manage the payments if interest rates rose or your circumstances changed.

A good first step: check your credit report and get a clear picture of your monthly spending. This is general information, not personal advice.

Which of these would you check first? Let us know in the comments.

Thinking about a mortgage? Speak to an authorised adviser about your circumstances.

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

Astute Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

23/10/2026

Mortgage offer through? It is a good moment to ask what would happen to your repayments if something changed.

Questions some people ask at this stage:
• Life insurance: would the mortgage be repaid, or partly repaid, if I died during the term?
• Critical illness cover: what would happen if I were diagnosed with a serious illness covered by a policy?
• Income protection: how would I keep up repayments if illness or injury stopped me working?
• What do I already have through work, such as sick pay or death in service benefit?
• Do I have savings or anyone who depends on my income?

Needs vary, and not everyone will need every type of cover. Policies pay out only in the circumstances they cover, with exclusions. This is general information, not personal advice.

Speak to an authorised adviser about whether protection is right for your circumstances.

Astute Mortgages Ltd

22/10/2026

Is a parent or family member helping with your deposit? First-time buyers in Portsmouth, Waterlooville and Havant often ask what paperwork a gifted deposit needs.

Every lender and conveyancer sets its own requirements, but they commonly ask for:
• A signed gifted deposit letter, or the lender's own gifted deposit form
• Photo ID and proof of address for the person giving the money
• Proof of funds, such as bank statements, and where the money came from
• Confirmation that it is a gift, not a loan, with no expectation of repayment
• Confirmation that the giver will not have a share in, or claim on, the property

Some lenders also ask how the giver is related to you, or whether they will live in the home. Requirements differ, and some lenders may not accept certain gifts. This is general information, not tax, legal or personal advice. The giver may want their own advice on any tax implications.

Speak to an authorised adviser and your conveyancer early so you know what your lender needs.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

21/10/2026

Mortgage deal coming to an end, or lenders changing their products? Before you choose what to do next, it helps to know which questions to ask.

Useful questions when you are thinking about remortgaging:
• When does my current deal end, and what happens to my payments after that?
• Is there an early repayment charge if I leave before the end date?
• What will my current lender offer me to switch product, and how does that compare with moving lender?
• What fees could apply, and would adding them to the loan mean paying interest on them?
• Have my income, outgoings or plans changed since I last applied?

Lender products change often, and the right option depends on your circumstances. Switching is not always the right choice, and costs can outweigh savings. This is general information, not personal advice.

Speak to an authorised adviser before you decide.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

20/10/2026

Heard about Your First Home, the new scheme for first-time buyers? Here is what has been announced so far, and what is still waiting for the Budget on 28 October.

What GOV.UK has said so far:
• It is a planned equity loan scheme in England only
• It is for first-time buyers buying a new-build home from a developer signed up to the scheme
• It is expected to support 2.5% deposits, backed by a 20% government equity loan

Still to be confirmed at the Budget:
• Household income caps and local property price caps
• Costs, including how the equity loan works over time
• When it starts

You cannot apply yet, and the details may change. An equity loan is borrowing that has to be repaid, so it is worth understanding the full terms once they are published. This is general information, not personal advice.

Planning to buy your first home? Speak to an authorised adviser about your own circumstances.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

17/10/2026

Offer accepted? Brilliant! So what happens next? 🏡

If you're buying in England or Wales, you'll hear two words a lot: exchange and completion.

🔑 Exchange is when the legal professionals on both sides swap signed contracts. From that point the purchase is legally binding, and a completion date is agreed.

🔑 Completion is the day the money is transferred, the home becomes yours and you collect the keys.

Your lender usually needs to have confirmed your mortgage before you exchange, so it really helps to get mortgage-ready early.

Buying in Portsmouth, Havant, Waterlooville or anywhere in Hampshire and not sure where you stand? Speak to an adviser at Astute Mortgages.

This is general information, not advice. Scotland and Northern Ireland have different processes.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763.

16/10/2026

A Decision in Principle (sometimes called an Agreement in Principle) is useful when you are viewing or offering on a home — but it is not the same as a full mortgage offer.

In plain English:

• A DIP is usually an early indication of what a lender might be willing to consider, based on the information you provide
• A full offer normally comes after a full application, with affordability and credit checks, a property valuation, and the lender’s criteria being met
• It is not a guarantee — circumstances and lender criteria can change
• Ask how any DIP will search your credit file (processes differ)

This is general information for buyers in Portsmouth, Havant, Waterlooville and Hampshire — not personal advice. If you are arranging a mortgage, speak to an authorised adviser about your situation.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

15/10/2026

Getting mortgage-ready often starts with paperwork — before you fall in love with a property in Portsmouth, Havant, Waterlooville or elsewhere in Hampshire.

Lenders and advisers commonly ask for things such as:

• Photo ID and proof of address
• Address history (often for the last few years)
• Evidence of income (payslips, employment details — or tax calculations/accounts if you are self-employed)
• Recent bank statements
• Details of loans, credit cards and other monthly commitments
• Information about your deposit and how you saved it (where relevant)

Exact requirements vary by lender and circumstances. Gathering documents early does not guarantee a mortgage will be offered. This is general information, not personal advice.

If you would like regulated mortgage advice, an authorised adviser can confirm what is needed for your situation.

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

Astute Mortgages Ltd. Authorised and regulated by the Financial Conduct Authority. FRN 974763. Company No. 12727722. Registered office: 3-5 Fernwood House, 45 London Road, Cowplain, Hampshire, PO8 8DH.

Address

Waterlooville
PO88DH

Opening Hours

Monday	7:30am - 4:30pm
Tuesday	7:30am - 4:30pm
Wednesday	7:30am - 4:30pm
Thursday	7:30am - 4:30pm
Friday	7:30am - 4:30pm
Saturday	7:30am - 4:30pm

Website

https://astutemortgages.co.uk/, https://astuteprotection.co.uk/

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