Buying a home in Bournemouth
We'll help you choose the right residential mortgage
At Bournemouth Mortgages, we know you want to quickly find out how much you can borrow and what your monthly repayments will be.
But navigating the residential mortgage market is complicated and time-consuming, and can easily leave you feeling overwhelmed.
Whether you're buying a home in Bournemouth, Poole, Christchurch or across Dorset and Hampshire -
You shouldn't have to struggle to find the right residential mortgage.
That's why we offer dedicated advice that makes the process a breeze.​
​What we do
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​​Find lenders that will approve your specific circumstances
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Guide you through the options
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​​Complete the application forms and paperwork
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Chase banks, estate agents and solicitors to make sure things stay on track​​
Rated 5 stars on Google by local residents
​​Our customers regularly tell us how much they value our dedication, proactive communication and 'extra mile' customer service that sets us apart from other mortgage brokers.
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Call 📞 01202 985214 now and we'll start work on finding the residential mortgage that works for you, to make your dream of buying a home in Bournemouth a reality.
What to expect when you get in touch
First step - We'll give you a free residential mortgage review
The mortgage market is incredibly competitive and it can be hard to understand what exactly is on offer. There are many different providers and a wide range of products and rates available.
We offer a free mortgage review where we check your credit file for eligibility and your finances to make sure you can afford a mortgage.
We make a suitable recommendation, we will tell you which interest rate you’re likely to qualify for and any special features that come with the mortgage.
Next - We'll get your 'decision in principle'
An agreement in principle will give you an idea about the size of mortgage you’re likely to be eligible for. It will also offer some reassurance that you’ll be able to buy a property, especially if you have any concerns about your credit record. All this information will help you search for a property in your price range.
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The lender will use the information you supply to arrive at a figure that, ‘in principle’, it would be willing to lend to you. An agreement in principle will also give you credibility with estate agents and vendors. It shows you can potentially afford the properties you’re viewing and that you’re serious about buying.
Then - We'll complete your full residential mortgage application
Once an offer has been accepted to purchase a property its time to apply for the mortgage. We handle all the paperwork, speak to the lender on your behalf and take care of any issues which may arise.
The lender assesses the application and valuation is carried out on the property. The underwriter will then issue a mortgage offer.
After we’ve completed all the paperwork and submitted the application, we even chase the lenders, solicitors and estate agents involved to keep everything on track, until you:
Get your keys and move in!
Expert mortgage advice from a Bournemouth based broker
5% deposits
Gifted deposits
Right to buy
First time buyer mortgages
Shared ownership
Porting your existing mortgage
Residential Mortgages - FAQ's
1. What is a residential mortgage?
A residential mortgage is a type of loan used to buy a home that you plan to live in. It’s secured against the property, which means the lender can repossess it if repayments aren’t made.
2. How much deposit do I need to buy a home?
Most lenders require a minimum deposit of 5–10% of the property's value, though a larger deposit can help you access better rates.
3. Can I get a mortgage with bad credit?
Yes, it's possible. Some lenders specialise in mortgages for people with poor credit, though you may need a larger deposit and could face higher interest rates.
​4. How long does it take to get a residential mortgage application approved?
The whole process can take 2–4 weeks, depending on your circumstances and how quickly documents are submitted.
5. What's the difference between a fixed or variable rate mortgage?
Fixed-rate mortgages offer stable payments, while variable rates may be cheaper initially but can rise. The best option depends on your budget and risk tolerance — we can help you decide.
Mortgages made simple
Buying a home is one of the biggest financial decisions you’ll ever make — whether you’re a first-time buyer, moving to a larger property, downsizing, or relocating to Bournemouth, Poole, Christchurch or across Dorset and Hampshire.
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At Bournemouth Mortgages, we’re here to take the stress out of the process. We search the whole of the market to find the right mortgage for your circumstances, explain everything clearly, and guide you step by step until you get the keys to your new home.
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Our tailored advice means you don’t need to spend hours comparing deals — you can focus on finding the right home, while we focus on securing the mortgage. From family houses to city flats, coastal homes to new-builds, we’ve helped local buyers just like you.
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Get in touch for expert mortgage advice and a free, no-obligation consultation with a local broker who understands the Bournemouth property market.
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📞 Call 01202 985214 today.