Temple Mortgage
Portsmouth
Mortgage advice covering help to buy, first-time buyers. Temple Mortgage is listed as fee-free.
Main contact
About Temple Mortgage
Temple Mortgage is a UK mortgage broker based in Portsmouth. Its website describes mortgage advice for first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
Temple Mortgage works across help to buy and first-time buyers from Portsmouth — a focused listing led by help to buy work.
Help to Buy
Help to Buy cases now mostly mean people who already hold an equity loan and need to remortgage, staircase out of it, or sell. The equity loan has to be repaid at the property's current value, not what you borrowed.
Read the help to buy guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Help to Buy is listed too, which matters if you are buying from someone still holding an equity loan.
Read the first-time buyers guideFees: what this means for you
Fee-free to you
Fee-free means the lender pays this firm a procuration fee on completion, so the advice costs you nothing directly. You still pay any lender product fee, valuation and legal costs.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
Verify before you share anything.
We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask Temple Mortgage
Tailored to this listing.
- 1You list help to buy and first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2You are listed as fee-free — does that hold for a case like mine, and what will the lender be paying you?
- 3What are my options for the equity loan — repay it, remortgage around it, or leave it in place — and what does each cost?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Do you see clients at your Portsmouth office, or is this handled by phone and video?
Getting in touch with Temple Mortgage
Temple Mortgage lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
Reviews
No reviews for Temple Mortgage yet.
Have you used Temple Mortgage?
What you needed. How it went. What it cost.
Frequently asked questions
What does Temple Mortgage charge for mortgage advice?
Temple Mortgage is listed on MortgageMatch as fee-free, meaning the broker is paid commission by the lender rather than charging you for advice. You would still pay any lender product fee, valuation and legal costs.
What types of mortgage does Temple Mortgage handle?
Temple Mortgage records help to buy and first-time buyers, working from Portsmouth. Ask anyway if your case sits outside that list.
Can Temple Mortgage help with a Help to Buy equity loan?
Temple Mortgage lists Help to Buy as an area it covers. Most cases now involve getting out of an existing equity loan: it is repaid as a percentage of the property's current value, so if the property has risen you owe more than you borrowed. You will need a RICS valuation before the numbers can be firmed up.
Does Temple Mortgage only cover Portsmouth?
Temple Mortgage is listed in Portsmouth, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Portsmouth on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.