Mortgage Broker Experts in Winchester

Get in touch for a free, no-obligation chat about how we might be able to help you.


We are on hand to help guide first time buyers through the mortgage process and help you along each step of the way right up until you move into your new home in Winchester.

We can reduce the overwhelm by taking on the stress of preparing your finances for a mortgage and make sure everything is in order before signing on the dotted line. We are here to get you the right mortgage for your home in Winchester, whether you  buying your first homemoving to a new property, or remortgaging.


As a locally based mortgage broker in Winchester we are able to offer you the benefit from our local knowledge and help you find the most suitable mortgage deal.

Prepare your questions and have all the relevant information ready to discuss with us to help you get the best possible advice for your mortgage.

By choosing to use our services you will be able to see us face to face at a time to suit you and benefit from our specialist knowledge of not only the most suitable mortgages for you but our extensive local experience of the property market and services in Winchester.

Nick BeckinghamNick Beckingham
10:56 04 Jul 22
Very knowledgeable and extremely efficient service. Thank you for your help and I will be recommending you to my friends and family!
Nicholas GailletNicholas Gaillet
09:36 20 May 22
Joe and Ben were fantastic throughout. I would not have secured a mortgage without them due to my complicated personal circumstances (including restricted holiday let, non-UK residency, to name but two). They showed patience and professionalism over several months of rigorous enquiry by the lender to get the lender (and me!) over the line. Thank you so much Joe and Ben! Highly recommended!
Daniel VincettDaniel Vincett
16:51 10 May 22
Recently liaised with Joe Stallard for mortgage advice and he was very helpful and answered all my questions and was very quick to respond. Would recommend Joe at House & Holiday Home Mortgages!!
Jodie WroutJodie Wrout
13:02 01 Feb 22
I would highly recommend Joe and the team. They were absolutely fantastic in sourcing our mortgage for our dream holiday home in Cornwall. It was not straightforward at all for them due to the type of property but they got it sorted for us when we thought we had run out of options. Thank you so much!
Russ Jones-WalkerRuss Jones-Walker
19:58 14 Jul 21
Dealing with House and Holiday Home Mortgages was a pleasure during a stressful time. Extremely experienced advice, great level of customer service and the result we needed – can’t recommend highly enough! We felt like we were in safe hands
Laycken IonttonLaycken Iontton
15:27 30 Jun 21
I could not recommend these guys highly enough. Both Joe and Lauren made the whole process of sorting out a mortgage super simple. This was our first mortgage with HTB and they made everything clear and simple for us. Any questions we had they responded pretty much straight away. If only the rest of the house purchase was as straight forward as the work they did for us.


A mortgage broker is here to help take the worry and stress out of your mortgage application. Applying for a mortgage can be a time-consuming process, but a mortgage broker will be able to help with this process.

Specifically, a mortgage broker will be able to help you with the following;

  • How much your lender can lend and the agreement in principle process
  • Freehold and Leasehold information 
  • Helping you to understand how much you can borrow 
  • Finding the most suitable rates for your mortgage from different lenders.

There are many circumstances that can make applying for a mortgage trickier than the standard application. Are you self-employed and looking for a mortgage? Your local mortgage broker will understand what lenders are looking for from you and help you prepare your finances ready for your mortgage application. 

But it’s not just first time buyers that mortgage brokers assist; we can even help you find the best possible deal when remortgaging your property as well. 

Think of us as the bridge that connects you to the finest lenders, increasing accessibility, and reducing the overall ‘faff’ involved.


Applying for a mortgage and the process of buying a new property in Winchester can be extremely daunting, especially for first-time buyers. A mortgage broker who is local to your area will be able to advise you on your best options based upon your circumstances.

It is the responsibility of the mortgage broker to make sure you can afford to maintain the mortgage. They will go through your income and expenditure and help you to understand what you can typically expect to pay for services such as council tax.

We will help you to understand what your disposable income will be, too, as this is also what your lender will be looking at. It acts as a good tool for making sure all the numbers add up ahead of your mortgage application. 

We can help you take the stress out of the mortgage application process. We can access a whole range of lenders as we are not tied to just one lender or product. This means we put your circumstances and requirements at the heart of each recommendation we make, finding you the right lender, saving you time and money. We also can discuss protection options with you, to give you peace of mind and help you remain financially secure. 

Joe Stallard

In 2017, Joe took the step to join the family business and is now working closely with Mark to grow and build House and Holiday Home Mortgages in line with some challenging targets. 

Together, their goal is to help as many people as possible to meet their mortgage needs and secure the best deal for them. With a specific focus on holiday let mortgages, they are determined to remove the stress and hassle from the mortgage process.

In his spare time, Joe loves anything sport with a particular affiliation to Swindon Town, Gloucester Rugby and Gloucestershire Cricket. And if it’s not sport, Joe likes to spend his time socialising with friends and travelling to new places all over the globe.