If you are buying, moving or remortgaging in Andover, I can look at your situation properly and tell you what is realistic before you commit to anything. One adviser from first call to completion, whole of market access, and appointments Monday to Friday 8am to 5pm, Saturday mornings, or by arrangement outside those hours.
HTG Mortgages
Mortgage Broker Andover | Army Pay, Test Valley Prices
Last Updated: September 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
I am a Winchester based mortgage broker covering Andover and the rest of Test Valley, about half an hour up the A303 from my office. Andover has a large armed forces population around Army Headquarters at Marlborough Lines, a growing stock of new build estates on the edges of town, and prices that sit below Winchester’s, which makes it a realistic first purchase for people priced out further down the A34.
Forces pay, allowances and Forces Help to Buy need a lender that reads a military payslip properly
Average prices across Test Valley were around £372,000 in June 2026 according to the ONS, below Winchester and the wider county
New build is a big part of the Andover market, and the mortgage timing on a new build works differently
As featured in…
Meet your Advisor
Harry Goodliffe
- FCA Authorised
- Director & Mortgage Advisor
“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”
Let’s Talk About Your Mortgage
The mortgage process for Andover buyers
1
Step 1
First Chat
Tell me what you are buying or refinancing, your income including any allowances, your deposit and your timescale.
2
Step 2
Research
I compare mortgages across 120+ lenders, including the ones that treat armed forces income and new build purchases sensibly.
3
Step 3
Application
Once you have chosen a mortgage, I handle the application, the valuation and the paperwork, and I liaise with the developer or estate agent on timing.
4
Step 4
Completion
After the offer I stay on it through to completion, and I will work around whatever fits your circumstances, not just office hours.
About
Our approach.
Why choose HTG Mortgages?
Andover buyers tend to have one of two complications: income that is not a simple monthly salary, or a new build purchase with a build date that moves. Both are routine to me and both go wrong when they are handled by a lender’s call centre.
Armed forces income.
Basic pay, X factor, specialist pay, accommodation and other allowances are treated differently by different lenders. Some count nearly all of it, some only the basic. Choosing the right lender can change how much you can borrow by a meaningful amount.
Forces Help to Buy.
The scheme lets eligible service personnel borrow an interest free advance towards a deposit. Not every lender accepts it as the deposit source and the paperwork has its own sequence, so I plan it into the application from the start.
New build timing.
A standard mortgage offer lasts around six months, and some lenders extend for new build. If the developer’s completion date slips past the offer, you can be re-underwritten at today’s rates. I choose lenders with longer offer periods when the build date is uncertain.
London commuters and local buyers.
Andover has direct trains to London Waterloo in a little over an hour, so I see both London commuters buying for space and local buyers moving out of rented homes. The lending is the same; the affordability conversation is different.
Buying in Andover: what shapes the mortgage
Andover had a population of around 50,800 at the 2021 census and is Test Valley’s largest town. The Ministry of Defence is its biggest employer, with Army Headquarters based at Marlborough Lines on the former RAF Andover site, and that shapes the housing market: a steady flow of service families buying, selling and letting as postings change. My armed forces mortgages page and my guide to Forces Help to Buy cover the specifics. Beyond the military, Andover Business Park and the town’s established employers give a base of local buyers, and the hourly fast trains to Waterloo bring commuters looking for more house for their money than Basingstoke or Winchester offer. Average prices across the Test Valley district were about £372,000 in June 2026 and broadly flat on the year according to the ONS, while private rents rose more sharply, which is worth knowing whether you are a first-time buyer weighing rent against a mortgage or a landlord looking at the town.
New build, remortgages and buy to let in Andover
A large share of Andover’s recent sales are new build, on estates around the edge of town. New build brings its own mortgage points: developer incentives have to be declared to the lender and can affect the loan, offers need to last until the build completes, and valuations occasionally come in below the agreed price. I have written about each of these in the knowledge hub. If you already own in Andover and your fixed rate is ending, my remortgage page explains the product transfer versus full remortgage decision. And for landlords, rents in Test Valley have risen faster than prices over the last year, which changes the stress test maths compared with Winchester; the buy to let hub is the place to start. I also cover Winchester, Basingstoke and Salisbury, so wherever in the area you end up buying, the adviser stays the same.
Why use HTG’s mortgage services?
Available 24/7, so we are always there to help when you need us
We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages
We provide unrivalled customer service, ensuring that you get the care you deserve
Let’s get your mortgage sorted
Written by Harry Goodliffe
Director & Mortgage Adviser, HTG Mortgages · FCA Authorised (1017945)
CeMAP Qualified · Featured in National Press · South England Prestige Awards 2026/27 winner