If you are buying, moving or remortgaging in Fareham or anywhere along the M27 corridor, I can tell you what is realistic before you commit. One adviser from first call to completion, whole of market access, and Saturday morning appointments and flexible times by arrangement.
HTG Mortgages
Mortgage Broker Fareham | Between Two Cities, Priced Below Both
Last Updated: September 2026
Featured in The Telegraph • Daily Mail • The Times • Sky News
I am a Hampshire mortgage broker covering Fareham and the towns along the M27 between Southampton and Portsmouth. Fareham is a commuter town for both cities, has a big new build story unfolding at Welborne Garden Village, and average prices that sit below Winchester and the South East as a whole. Whether you are buying your first home in Portchester, moving up in Titchfield or refinancing a rental in Fareham itself, the mortgage work is the same: find the lender whose criteria fit you, then get it done.
Fareham borough average prices were around £328,000 in June 2026 according to the ONS, up under 1% on the year
Welborne Garden Village is bringing 6,000 new homes to the north of the town, with the first residents in from January 2026
Two cities within easy reach means two employment markets, which lenders like when they assess job stability
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 Fareham buyers
1
Step 1
First Chat
Tell me what you are buying or refinancing, your income, your deposit and your timescale, and whether it is a new build or an existing home.
2
Step 2
Research
I compare mortgages across 120+ lenders and tell you which ones fit your circumstances and the property, and roughly what they will cost.
3
Step 3
Application
Once you have chosen a mortgage, I handle the application, the valuation and the paperwork with the lender, the agent or the developer.
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?
Fareham buyers tend to be practical: they want to know what they can afford, what it will cost each month and whether the new build price they have been quoted will hold up at valuation. Those are the three things I answer first.
Welborne and new build.
Welborne is a long build programme with several housebuilders. Reservation to completion can take months, so mortgage offer length, developer incentives and the valuation all need managing. I choose lenders whose new build policies match the timeline.
Two cities' worth of employers.
Fareham sits between Portsmouth and Southampton, with the Solent Enterprise Zone at Daedalus on its doorstep. Lenders assess income the same way anywhere, but stable employment across a wide local market helps when you are stretching for a first home.
Prices below the regional average.
At around £328,000 on average in June 2026, Fareham borough sits under the South East figure and well under Winchester. That makes a 10% or 5% deposit purchase more achievable here than in much of Hampshire, and I can show you what each deposit level costs.
Remortgages and rentals.
A large share of Fareham homes are owned by people who bought a decade or more ago and are now on their third or fourth fixed rate. Product transfer or full remortgage is the recurring question, and for landlords the rental cover on Fareham rents is usually workable.
Buying in Fareham: what shapes the mortgage
Fareham borough had a population of around 114,500 at the 2021 census and average house prices of about £328,000 in June 2026, up 0.8% on the year according to the ONS, with private rents averaging about £1,189 a month. That puts it below the South East average and makes it one of the more accessible parts of south Hampshire for a first-time buyer. The town’s position between Portsmouth and Southampton, with the Solent Enterprise Zone at Daedalus employing people in aerospace, engineering and manufacturing on the Fareham and Gosport border, gives buyers a wide local job market, which matters to lenders assessing income stability. For deposits, my guide to how much deposit you need and my no deposit mortgage page cover the low deposit routes, and the stamp duty calculator gives you the tax figure at Fareham prices.
Related: No Deposit Mortgage, Stamp Duty Calculator.
Welborne, new build and remortgaging in Fareham
Welborne Garden Village, north of the M27 at junction 10, is planned for around 6,000 homes over many years, with the first phase of up to 700 homes under way and the first residents moved in during January 2026. Buying at Welborne or on any of the borough’s other developments is a new build mortgage, which brings three things I plan for: an offer that lasts until the home is finished, developer incentives that must be declared to the lender and can affect the loan, and the possibility of a valuation below the agreed price, all of which I have written about in the knowledge hub. For existing owners, my remortgage page explains when a product transfer with your current lender beats a full switch. Landlords can start at the buy to let hub, and I have dedicated buy to let pages for Portsmouth and Southampton either side of Fareham. I also cover Portsmouth, Southampton and Eastleigh for residential mortgages.
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