A naval and maritime hub
Portsmouth's naval and maritime economy, anchored by HMNB Portsmouth and a growing university population, keeps demand high. A ready agreement in principle helps you compete.
How we work with Portsmouth buyers
No high-street office, just a trusted mortgage broker in Portsmouth.
Looking for a mortgage broker in Portsmouth? We'll be straight with you: City Mortgage Solutions Group doesn't have an office in the town centre. What we do have is a whole-of-market advice team who work with Portsmouth buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that works just as well over a video call.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
The advisers you'll work with
A dedicated team for your Portsmouth move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Glenn has seen most situations over a long career and specialises in remortgages and later-life lending, always set out in plain English.
Helen looks after home movers and families, listening first to what you actually need before searching the market on your behalf.
Leanne supports first-time buyers and the self-employed, turning a daunting first application into a series of simple, manageable steps.
Every adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Portsmouth market snapshot
The Portsmouth market in numbers
A quick read on local prices, useful in a competitive Hampshire market.
Average sold price~£295kPortsmouth
First-time buyer~£185kTypical FTB price
Home-mover average~£355kTypical mover price
Typical flat~£180kTown flats
Indicative averages based on recent local market data. Please confirm current figures with ONS / HM Land Registry before publishing.
Simple from the first call
Portsmouth advice, on your schedule
Three simple steps, jargon translated, and one adviser who stays with you from first call to completion.
1
A free intro call or video
A first flat near the centre or a family move to Old Portsmouth? We'll talk through your budget and options, with no obligation and evening slots available.
2
Whole-of-market search
We compare more than 90 lenders, recommend the right one in plain English, and arrange your agreement in principle so you can move quickly in a competitive market.
3
Managed through to completion
We handle the paperwork, chase the lender for updates, and liaise with your solicitor right through to completion across Hampshire.
Local knowledge that matters
Buying in Portsmouth: what we see in your market
From riverside apartments to family homes in the suburbs, in a busy naval, defence and maritime jobs market, here's the local picture we factor in.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
Professionals & contractors
Many local buyers are contractors or have complex income. Lenders treat day rates and bonuses differently, and we match you to one that reads your income the right way.
Local prices, flats & houses
Portsmouth sits below the South East average, with dense Victorian terraces across the island city and a premium waterfront apartment market at Gunwharf Quays. Getting the right lender and a realistic budget matters.
Why use a broker
A single lender shows its range. We show the whole market.
Going direct isn't wrong. It's just one lender's shelf, which matters in a higher-value market, and here's what changes with our advisers on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the wider market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Where our Portsmouth clients buy
Across Portsmouth and Hampshire
Select an area to see the kind of buyers we help there. Wherever you are, distance is never a barrier to genuinely good advice.
Where we help
Southsea
Vibrant seafront district next to the centre, mixing Victorian terraces and flats, popular with young professionals and families.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
What clients say
Local buyers, advised remotely
Rated 5.0 on Google by clients across the UK, including these, who bought without us ever needing to be in the room.
★★★★★5.0 rating on Google Reviews
“Gary Hazeltine helped me with my remortgage and I couldn’t be happier with the service. He was approachable, patient, and always happy to answer questions, no matter how small.”
“We have been using Stephen Wright at City Mortgage Solutions for advice and assistance with our mortgages, life insurance and income protection since 2015, and I cannot recommend him highly enough.”
“I am exceptionally impressed with the service Helen Jones provided. She is, without doubt, one of the most knowledgeable and highly proficient mortgage advisors I have ever worked with.”
Common questions
Portsmouth mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Portsmouth office, and we advise buyers across the town and Hampshire every week by phone and video. The mortgage market is national, so your lenders and rates are the same as any local broker's; the difference is the quality of advice.
Yes. Most Portsmouth clients prefer it now. You share documents securely online, book appointments around work including evenings, and deal with the same adviser throughout.
Yes. We advise across Portsmouth and Hampshire, from central flats to family homes in Cosham, Copnor and Drayton, and out to Paulsgrove. Local prices, property types and demand feed into your advice.
Yes. With a strong naval, defence and maritime jobs market, many local buyers are contractors or have complex income. Lenders treat day rates and bonuses very differently, and knowing which one suits your income is where whole-of-market advice earns its keep.
Your first consultation is free and without obligation. Any fee on your case is explained clearly and in writing before you commit.
Typically four to four-and-a-half times income, with deposit, credit and affordability all playing a part. We'll give you an accurate figure and an agreement in principle, usually within a few working days.
Usually within 24 hours, by phone or video and including evenings, so you're offer-ready when the right Portsmouth home appears.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.