Is there a fee-free mortgage broker in Basingstoke?

Yes. Alexander Southwell Mortgage Services covers Basingstoke and North Hampshire. Our advice is completely fee-free for standard residential mortgages. We are paid a commission by the lender on completion, so you do not pay a broker fee.

How much deposit do I need in Basingstoke?

Most lenders require a minimum 5% deposit. Basingstoke property prices are competitive for Hampshire, with many new-build developments making it popular with first-time buyers. A 5% deposit on a £250,000 home is £12,500. Saving 10 to 15% gives you access to more lenders and lower interest rates.

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

Yes. Basingstoke has a strong business community and many of our clients there are self-employed or contractors. Most lenders want two years of accounts or SA302 documents, though some specialist lenders will consider one year. We search the whole of market to find the best solution for your situation.

Do I need an Agreement in Principle?

An Agreement in Principle (AIP) is written confirmation from a lender of how much they are willing to lend, subject to full underwriting. Basingstoke estate agents will typically want to see one before accepting your offer. We can arrange yours quickly so you are in the best position when you find the right property.

Fee Free Mortgage Broker Basingstoke

‍100% Fee-Free Service

‍FCA Authorised (No. 1011890)

‍Access to 1,000+ Products

End-to-End Support

5-Star Rated Advisers

Mortgage Broker & Advisers in Basingstoke

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
Basingstoke is a major commercial and residential hub in north Hampshire, with excellent road and rail connections to London, Winchester, and the South Coast. The town offers a broad range of housing options at more affordable prices than many commuter belt locations, attracting buyers from across the region.

★★★★★

Rated 5 stars on Google from 193 reviews.
Get Fee-Free Mortgage Advice Today.
Trusted by clients across the UK.

Smiling bald man with a beard wearing a dark gray shirt in a modern office setting.

Smiling woman with long light brown hair wearing a beige cardigan and a pink top in a modern office setting.

Man in a navy blue blazer and white shirt smiling in a modern office with glass walls and plants.

Smiling woman with light brown hair wearing a navy blazer and white blouse in a modern office setting.

Basingstoke town centre, covered by our fee free mortgage brokers

Modern family homes on a Basingstoke residential street

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 Basingstoke 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

Get Fee Free Mortgage Advice

Google

Rated 5/5 from 193 Google reviews

Fee free for standard residential and buy to let cases. If a fee ever applies to a complex case, we tell you in writing before you commit to anything.

Mortgage Broker Basingstoke 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.

Basingstoke office:

Covering Basingstoke, Hook, Tadley, Whitchurch, Overton, and surrounding areas across 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.

Basingstoke Mortgage Brokers

Our advisers have helped hundreds of clients across Basingstoke, Hook, Old Basing, Chineham, and the surrounding north Hampshire area secure competitive mortgage rates. Whether you're a first-time buyer, home mover, or landlord, we're here to help.

Comparing mortgage deals for Basingstoke clients, paperwork and calculator on a desk

Over 20 years' experience in residential and buy to let mortgages

View All Hampshire Areas

Local mortgage advice

Mortgage Advice in Basingstoke: How We Actually Work

Most people who get in touch with us are not after a lecture on the mortgage market. They want someone who will tell them what they can borrow, which lender fits, and what happens next. That is what our mortgage advisors do for clients across Basingstoke every week, so here is how the entire process works before you pick up the phone.

Who we help in Basingstoke

First time buyers make up a big share of our work here, particularly on the newer estates at Chineham, Hatch Warren and Beggarwood where a 5% or 10% deposit and the right lender can make all the difference. Have a look at our first time buyer mortgages page if that is you. We also help home movers who are moving home within the town or relocating from London, landlords weighing up buy to let in the RG21 to RG24 postcodes, and self-employed clients who need a mortgage advisor comfortable reading accounts and SA302s.

Your mortgage journey, step by step

The initial appointment is a conversation, not a sales pitch. We go through your income, outgoings, deposit and plans, then give you a realistic loan amount and show you what the repayments on your mortgage would look like. From there we research the market, agree a recommendation with you, secure an Agreement in Principle and manage the application process through to mortgage offer and completion. You keep the same adviser every step of the way, and we chase the lender, the solicitor and the estate agent so you do not have to.

Remortgaging: existing lender or a different lender?

When a fixed rate is ending, your existing lender will usually offer a product transfer. Sometimes that is the best mortgage for you. Sometimes a different lender has a better deal that more than covers the cost of switching. We compare both, check for any early repayment charge on your current deal, and time the switch so you never sit on the standard variable rate. Our remortgage advice page and our guide to product transfers versus remortgaging go into the detail.

Equity release and later life lending

We get plenty of questions from Basingstoke homeowners in their late fifties and sixties about equity release and lifetime mortgage products. These are specialist areas with their own risks, so we start by checking whether a standard remortgage to release equity, a retirement interest only mortgage or simply a longer term would do the job at lower cost. Where a lifetime mortgage really is the right route, we will say so and introduce you to a suitably qualified specialist rather than guess.

Timber framed cottages beside the village green at East End in the Basingstoke and Deane area

Banks, building societies and specialist lenders

Being whole of market means we can place cases with the big high street banks, with regional building societies that often take a more common sense view on overtime, bonuses and contractor income, and with specialist lenders for credit blips or unusual properties. We are directly authorised by the FCA rather than an appointed representative of a network, so the advice and the responsibility for it sit with us. Expert mortgage advice from a trusted mortgage broker should feel stress free, and our friendly team is judged on exactly that by the people we have helped. You can read what they say on our reviews page. We also work as a mortgage broker in Southampton and cover Andover, Winchester, Eastleigh and the rest of Hampshire.

Written by Jamie Alexander, CeMAP qualified mortgage adviser

Jamie founded Alexander Southwell Mortgage Services and has 15 years' experience in residential and buy to let lending. He advises clients across Basingstoke and north Hampshire from the firm's office in Romsey. Page reviewed September 2026. More about Jamie.

Ready to talk it through? Get in touch today on 03300 432 428 for mortgage advice in Basingstoke at no cost to you, or try our stamp duty calculator to see what your move will cost.

Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.

Understanding Your Status

How to get a mortgage in Basingstoke

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.

Explore All Services

Step 1: Initial Consultation

Call or enquire online and one of our Basingstoke 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 Basingstoke 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.

🤝

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 Basingstoke property market

Basingstoke offers good value compared with many commuter towns within reach of London. The town centre has seen a lot of regeneration, and a strong employment base across Basing View, Chineham Business Park and the surrounding business parks keeps housing demand steady. It is a popular choice for professionals, London commuters and growing families, and the Manydown development to the west of the town is adding new homes over the coming years.

Line drawing of buildings, crane, and upward arrow indicating growth or development.

Price growth:

The average house price across Basingstoke and Deane was £370,000 in July 2026, around 1% higher than a year earlier (ONS UK House Price Index). First time buyers paid an average of £294,000.

Icon of a house with a British pound symbol and a price tag showing £200k.

Average property prices:

Detached homes averaged £659,000, semi-detached £397,000, terraced £306,000 and flats £186,000 in July 2026, so there is a wide spread of price points for different budgets.

Line drawing of four people representing a family group on a light green circular background.

Key buyer groups:

Demand comes from London commuters, families relocating for more space, and professionals working in the town's large business and technology employers.

Train icon with route signs M3 and M27 and city skyline location marker.

Transport links:

Fast trains reach London Waterloo in under an hour and the M3 gives quick access to Reading, Winchester and the south coast.

Services

Our Basingstoke mortgage services

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

How Much Can You Borrow?

Enter your annual income details below.

Your Annual Income

Partner's Annual Income (optional)

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: Getting a Mortgage in Basingstoke

Fee free mortgage adviser discussing mortgage options with clients in Basingstoke