Independent whole-of-market mortgage advice for Basingstoke homeowners, first-time buyers and landlords. From Chineham to Brighton Hill, Popley to the town centre — we know the RG21 and RG22 market and find the right lender for your circumstances.
Every mortgage type, every income type. If there is a lender who will approve your Basingstoke mortgage, we will find them.
5% deposit products, Lifetime ISA, maximised borrowing. We get first-time buyers into Basingstoke when their bank says no or not enough.
Learn more →Fixed rate ending? On the SVR? We compare your lender against the whole market and find what actually saves you money.
Learn more →Sole trader, limited company director, contractor, freelancer. We find lenders who assess your real income, not just your payslip.
Learn more →Personal name or limited company — we model both before recommending. Competitive BTL rates across the whole market.
Learn more →Port your existing deal or switch to something better. We run the numbers on both options before you commit.
Learn more →Bonus, overtime, day rate, share options, multiple income streams. We find the lenders built for your income type.
Discuss your case →There are over 90 mortgage lenders in the UK. Your bank shows you one. We show you all of them.
We are not tied to any lender. We access every product available and recommend based on your circumstances alone.
We are paid by the lender on completion. You pay nothing for the advice — not before, not during, not after.
Self-employed, contractor, multiple income, poor credit history — we have seen it and placed it.
Decision in principle the same day in most cases. Full mortgage offer typically within 3 to 4 weeks of application.
We cover Basingstoke and a wide surrounding area across Hampshire. If you are not sure, just call.
"Used the Help to Buy scheme on our Chineham new build in 2019 and had no idea what to do when the equity loan fees kicked in. Localnest Mortgages handled the whole remortgage and equity loan redemption. Far smoother than expected and we ended up on a much better rate."
"First-time buyer in Popley. Everyone told us Basingstoke had got too expensive but Localnest Mortgages maximised our borrowing and found a 5% deposit product that got us in. We own our own home now."
"Self-employed sole trader, three years of accounts. Income had risen significantly in year three and I wanted a lender who would use the most recent figure. Localnest found exactly that and we bought in Old Basing within 8 weeks."
Basingstoke is one of Hampshire's most active property markets. The town's mix of 1960s estates in Popley and Winklebury, the newer developments at Chineham and Brighton Hill, and the ongoing Manydown Garden Town project means there's a wide spread of buyers — first-timers stretching into entry-level stock, professionals moving up, and Help to Buy remortgagers whose five-year equity loan period is now expiring.
The town's employer base — AXA UK, TUI, and the large logistics and distribution sector along the M3 corridor — means a significant proportion of mortgage enquiries involve complex income: shift patterns, overtime, TUPE transfers, and self-employed contractors working for major local firms.
Help to Buy remortgages are the single biggest category we handle in Basingstoke right now. Thousands of buyers used the equity loan scheme on new builds at Chineham, Brighton Hill and Lychpit between 2016 and 2021 — those five-year periods are expiring and homeowners need to refinance. First-time buyers on Popley and Oakridge estates are the other major segment — competitive 5% deposit products and maximised income assessment are both critical in a market where entry-level 2-bed flats sit above 200,000 pounds.
Localnest Mortgages charges no broker fee. We are paid by the lender on completion. You receive whole-of-market advice at no direct cost to you.
From agreement in principle to formal offer typically takes 3 to 5 weeks for employed applicants and 4 to 6 weeks for self-employed. From formal offer to completion depends on your solicitor and the chain, but is usually 4 to 8 weeks. We manage the process throughout.
No. We are paid by the lender on completion. You pay nothing at any stage of the advice, application or completion process. The whole-of-market comparison, income assessment, lender selection and application management are all included.
Yes — this is one of the most common cases we handle in Basingstoke. If your Help to Buy equity loan fee period is starting, we assess whether to redeem the loan or retain it, and find the best remortgage product for your position.
Yes. We regularly deal with overtime, shift allowances, bonus income and TUPE cases from Basingstoke major employers. We identify the lenders who assess these income types most favourably.
We cover all of Basingstoke and the surrounding RG21, RG22, RG24 and RG25 postcodes including Hook, Tadley, Overton, Whitchurch, Kingsclere and all surrounding villages.
In most cases we can obtain a Decision in Principle the same day you contact us. For straightforward cases on standard income this is often within a couple of hours of your initial call.
Instant estimate for employed, self-employed and day rate contractor buyers. Includes specialist lender assessment and local market context.
No broker fee. No obligation. Independent whole-of-market advice for Basingstoke and the surrounding area.
01256 000 000 ✉ Email Us InsteadLocalnest Mortgages is an Appointed Representative of [Network Name], authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. This website is for guidance only and does not constitute financial advice.