We understand the whole picture
Before researching mortgages, we take time to understand your income, deposit or equity, existing commitments and future plans.
Personal mortgage advice for Havant
Mortgage Broker for Hayling Island, Built on Trust
Buying your first home, moving, remortgaging or investing on Hayling Island? Get clear, personal advice from a family-run mortgage brokerage. We serve Hayling Island and the wider Havant area from our nearby Cowplain office, just over Langstone Bridge. You'll deal with a real adviser who listens, explains your options and supports you throughout the process.
- FCA-authorised mortgage advice
- Unrestricted range of lenders
- Appointments in person, by phone or online
Your initial consultation is free and carries no obligation.
Hayling Island property snapshot
Useful numbers when planning a move in Hayling Island
Property prices on Hayling Island can vary significantly depending on the type of home you’re considering. Recent sold-price data gives buyers a useful indication of the local market before working out their deposit, borrowing requirements and likely monthly repayments.
£381,382
Average Hayling Island sold price
£496,987
Average detached property price
£343,306
Average semi-detached property price
£162,928
Average flat price
Source: Rightmove sold house price data. Figures are based on properties sold in Hayling Island over the last year and may change as further transactions are recorded.
Three useful checks before buying on Hayling Island
The purchase price is only one part of buying a home. Thinking about your deposit, the type of property you’re buying and its coastal location early can help avoid surprises later in the mortgage process.
- 01
Work backwards from your deposit
Against the recent Hayling Island average sold price of around £381,000, a 5% deposit would be approximately £19,100 and a 10% deposit around £38,100, before legal, survey and moving costs. The deposit you actually need will depend on the property, lender and your individual circumstances. You can also explore our mortgage calculators.
- 02
Check leasehold costs early
If you’re considering a flat or maisonette on Hayling Island, ask about the remaining lease term, service charges, ground rent and any planned major works. These details can affect both affordability and which mortgage lenders may be prepared to lend on the property.
- 03
Consider flood risk and insurance
Hayling Island’s coastal location means it is sensible to check flood risk and likely buildings insurance costs early in the buying process, particularly for properties closer to the shoreline or in lower-lying areas. You can check a property using the government’s long-term flood-risk checker.
Meet your local team
The people behind your Havant mortgage advice
You’ll be supported by real people who understand your circumstances, explain your options clearly and remain available as your application progresses.
Director & Mortgage Adviser
Scott Skinner
Scott founded Astute Mortgages and advises first-time buyers, home movers, remortgage clients and self-employed applicants. His approach is straightforward and personal, with a focus on building lasting client relationships.
Mortgage Adviser
Angela “Angie” Skinner
Angie has many years of experience within the mortgage and protection industry. She is known for her friendly, reassuring approach and for explaining each stage in a way that feels clear and manageable.
Operations & Compliance Manager
Billy Clay
Billy supports the administration and progress of client cases, helping to keep applications organised and customers informed. His attention to detail supports a smoother experience for clients and advisers.
