Need a mortgage broker in Winchester? I’m Charles Calvert of Easy Mortgages. I’m based at 10 Merryfield, Fareham, PO14 4SF, and I help buyers and homeowners across Winchester, Kings Worthy, Badger Farm, Oliver’s Battery and the new homes at Kings Barton. I search 80+ UK lenders and you deal with me directly, start to finish.
Why Winchester mortgages need a bit more planning
House prices in Winchester tend to be higher than in much of south Hampshire, so loans are often bigger. That puts more weight on how much a lender will lend against your income. Lenders differ here:
- Higher income multiples. Some lenders offer 5 times income or more for higher earners or certain professions (for example doctors, solicitors or accountants). Others cap lower.
- Bonus and commission. City-based roles often come with variable pay. Lenders treat it very differently.
- Larger deposits. Many Winchester buyers put down 15 to 25% or more, which can open up the best rates.
See how much can I borrow? for how lenders work it out.
Commuting to London
With trains from Winchester to London Waterloo, the city is popular with commuters. If your income is London-based, or you’re moving from London with equity from a sale, I’ll plan the timing, porting and any bridging gap. See home mover mortgages and bridging loans vs mortgages.
Period and listed homes
Winchester has plenty of period homes in conservation areas, and some are listed. Most lenders will lend on them, but valuation, construction type and condition can all matter. I’ll use lenders comfortable with the property. A full survey is well worth it. See valuation vs survey.
First-time buyers in Winchester
Buying your first home in Winchester often means a bigger deposit, family help or a joint purchase. My Winchester first-time buyer guide covers it in detail. See also gifted deposits and guarantor mortgages.
New homes at Kings Barton
For new builds, reservation deadlines and offer expiry matter. See new build mortgages.
Nearby areas I cover
Eastleigh · Southampton · Whiteley · Fareham · all Hampshire areas
My fees
Your first chat and advice come with no fee and no obligation. A fee is only payable once you receive your full mortgage offer: £495 for purchases, £299 for remortgages and £895 for specialist lending. There’s no fee for product transfers or protection.
Call 023 9355 2850, WhatsApp 07368 330822 or book a no-fee call.
Frequently asked questions
Do you cover Winchester?
Yes. I advise clients across Winchester and nearby villages, mostly by phone, video and WhatsApp. Easy Mortgages is based at 10 Merryfield, Fareham, PO14 4SF.
Can I borrow more than 4.5 times my income?
Some lenders offer 5 times income or more to higher earners and certain professions, subject to affordability. Which lender you use makes a big difference.
Can you help if I’m moving from London to Winchester?
Yes. I’ll plan porting or a new mortgage, the timing of your sale and purchase, and whether you need short-term finance to bridge a gap.
Is your fee higher for bigger mortgages?
No. My fees are fixed: £495 for purchases, £299 for remortgages and £895 for specialist lending, payable only once you receive your full mortgage offer. There’s no fee for product transfers or protection.
Your home may be repossessed if you do not keep up repayments on your mortgage.