Is there a fee-free mortgage broker in Andover?

Yes. Alexander Southwell Mortgage Services covers Andover and the surrounding Test Valley area. Our advice is 100% fee-free for standard residential mortgages. We earn a commission from the lender when your mortgage completes, at no cost to you.

How much deposit do I need to buy a home in Andover?

Most lenders require a minimum 5% deposit. Andover offers some of the most affordable house prices in Hampshire, making it a great option for first-time buyers. A 5% deposit on a £200,000 home would be £10,000. Saving a larger deposit of 10% or more will give you access to more competitive rates.

Can I get a mortgage in Andover if I am self-employed?

Yes. We help many self-employed buyers across Andover and the Test Valley. Most lenders require two years of accounts or SA302 tax calculations, though some specialist lenders will consider just one year of trading history. We search the whole of market to find the right lender for your situation.

What is an Agreement in Principle and do I need one when buying in Andover?

An Agreement in Principle (AIP) is written confirmation from a lender of how much they would be willing to lend you. Andover estate agents will typically expect to see one before accepting an offer. We can arrange yours quickly, often the same day, so you are ready to move when you find the right property.

Mortgage Broker Andover | Fee Free Advice

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Mortgage Broker & Advisers in Andover

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
Andover is a thriving market town in the Test Valley, offering affordable property prices and a relaxed pace of life within easy reach of Basingstoke, Winchester, and Salisbury. It's increasingly popular with families and buyers looking for more space and value than larger Hampshire towns can offer.

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Andover town centre, covered by our fee free mortgage brokers

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Southwell MORTGAGE

Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

We work closely with Andover estate agents, solicitors, and surveyors to ensure your mortgage completes as smoothly as possible.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

Mortgage application paperwork prepared by our fee free advisers

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Low-Cost Specialist Advice: Fee-free options available for clean credit and £100k+ loans.

Mortgage Broker Andover Quick Summary

Fee structure:

Typically fee-free for standard residential mortgages, our commission is paid by the lender on completion. Fees may apply for complex or specialist cases, always disclosed upfront in writing.

Andover office:

Covering Andover, Ludgershall, Whitchurch, Stockbridge, and surrounding areas across the Test Valley and north Hampshire.

Client types:

First time buyers, home movers, remortgages, buy to let (including portfolio landlords).

Same-day service:

Speak to a qualified adviser today. We offer flexible appointments including evenings and weekends.

Andover Mortgage Brokers

Our advisers have helped hundreds of clients across Andover, Ludgershall, Whitchurch, Thruxton, and the surrounding Test Valley area find competitive mortgage deals. Whether you're buying your first home, moving up the ladder, or investing, we're here to guide you through every step.

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Over 30 years experience in residential and BTL Mortgages

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Understanding Your Status

How to get a mortgage in Andover

From your initial consultation to when your mortgage completes we manage the whole process for you. We coordinate with estate agents and solicitors where necessary to keep everyone moving towards your completion date.

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Step 1: Initial Consultation

Call or enquire online and one of our Andover mortgage advisers will get back to you quickly to discuss your needs.

Step 2: Research & Recommendation

Your adviser will compare mortgage products across suitable lenders and prepare a tailored recommendation. You’ll receive an Illustration (ESIS) showing the interest rate, fees and total cost over the mortgage term so you can make an informed decision.

Step 3: Decision in Principle

We'll secure a Decision in Principle (DIP) so you can make offers on Andover properties with confidence.

Step 4: Full Application & Valuation

We’ll handle the paperwork, submit your documents to the lender, liaise on your behalf and arrange the valuation or survey. You won’t need to chase. We do that for you.

Step 5: Offer to Completion

We’ll track your case through underwriting, chase solicitors and other parties if needed and keep you updated through to exchange and completion. Once you’ve got your keys we’ll diarise a review before any fixed rate ends so you’re never left on an expensive standard variable rate.

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Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months’ payslips for employed applicants, or last 2 to 3 years’ accounts and SA302s for self-employed clients

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may require extra paperwork, for example, multiple buy to let schedules, evidence of foreign income or explanations for recent credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

The Andover property market

Andover consistently offers some of the most affordable property in Hampshire, making it an attractive option for first-time buyers and those seeking more space for their money. The town has seen steady growth in recent years, with regeneration projects and new housing development bringing fresh investment to the area.

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Price growth:

Sold prices averaged around £322,000 over the last year, roughly 3% up on the year before.

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Average property prices:

Terraced homes average about £261,000, semi-detached around £315,000 and detached closer to £463,000.

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Key buyer groups:

Demand comes from first time buyers priced out of Winchester and Basingstoke, military and defence families, and buyers wanting more space for their money.

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Transport links:

The A303 and A34 connect Andover east and west, with direct trains to London Waterloo in around 70 minutes.

Services

Our Andover mortgage services

Andover town centre, where our advisers arrange mortgages for local buyers

How Much Can You Borrow?

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This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

FAQs: Mortgage Broker Andover

Fee free mortgage adviser discussing mortgage options with clients in Andover

Fee Free Mortgage Broker Andover