Award-Winning Mortgage Services
The Mortgage Bubble is a team of award-winning Mortgage Advisers & Brokers.
At The Mortgage Bubble, we provide personalised and comprehensive services and support. From the first meeting to completion, we are here to guide you throughout your financial journey.
Whether you are a first-time buyer or a long-time property investor, our ‘turn-key’ mortgage services mean we can offer frequent client updates and a smoother process overall.
Our initial objective is to provide you (our client) with all the tools and information you need and find properties on the market that are within your budget.
Our Mortgage Advisors help first-time buyers, current homeowners, and property investors Nationwide, primarily covering the following (and surrounding) areas:
- Basingstoke
- Camberley
- Farnborough
- Bracknell
- Reading
- Newbury
- Yateley
- Fleet
About us
We are here to support you through the entire house-buying process. At The Mortgage Bubble, we want to empower you to make lifelong decisions safely by providing all the guidance you need.
Once we have all the necessary information and documentation, you can leave the rest to us – your expert personal finance advisors. Whether sourcing a lender, submitting your application, instructing the solicitor (if required), or chasing the lender, estate agent, and solicitor for updates, we take care of everything for you from start to finish.
The services promoted here are not part of the Openwork offering. They are offered in our own right. Openwork Limited accepts no responsibility for these services and isn’t regulated by the Financial Conduct Authority.
Working for you
At The Mortgage Bubble, we pride ourselves on the reliable, forward-thinking, trustworthy advice and financial planning we provide our customers. This approach has helped The Mortgage Bubble become an award-winning team of mortgage advisors & brokers.
We help our customers navigate the options available through clear communication and advice, enabling them to understand their choices and make informed decisions.
Our aims & objectives
We aim to provide bespoke mortgage and protection plans making clear recommendations based on a detailed understanding of your requirements & needs.
There is no jargon here – our financial advisers talk in terms you’ll understand to help you best achieve your goals. We offer expert, comprehensive financial advice, whether face-to-face or over the telephone, to fit in and around your schedule and responsibilities.
Your home may be repossessed if you do not keep up your repayments on your mortgage.
Planning your finances
Financial planning is an important part of the house buying process and we believe providing you with ethical holistic advice is essential within the process.
We will make sure you are aware of the risks involved with buying property. From the start, we help guide and educate so you can make informed decisions based on your requirements and budget.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Your FAQs
Contact us or Use our free Mortgage Calculator to help you start living the dream and find out how much you could possibly borrow and how much this will cost. Our award-winning team of mortgage advisors & Brokers will guide you through from start to finish.
No, you can remortgage to a new lender if they can offer you a better interest rate or lend you the amount you need to buy a new property. Contact us for further details.
The minimum you will need is 5%. The more deposit you put in the better interest rate you can get. Banks and Building Societies will take into account a few different factors when assessing how much deposit you will need, these factors are;
- Age
- Length of the mortgage term
- Existing debts
- Amount you wish to borrow
- Your credit status
- If you are applying solely or jointly
Yes, however you could have an early repayment charge to pay to your current mortgage lender.
The deposit for a buy to let is typically 25%. Other factors are also taken into account, such as;
- Property Type
- Achievable rental income
To find out how much you can borrow use our easy to use calculator and contact us for a personalised illustration or request a call back from one of our award-winning mortgage brokers who can go through the options available to you.
This will not prevent you from getting a mortgage. Our advisors have great success in helping clients with adverse credit. Whether you have a County Court Judgement (CCJ), Defaults, Missed Payments, Debt Management Plans or have a history of bankruptcy we have options for you. There are a number of lenders that we work closely with who are more favourable to clients who have previously had trouble sourcing finance. Talk to one of our award-winning advisors today for further information.
An agreement in principle, also known as a decision in principle or mortgage promise is useful if you haven’t found a property you want to buy but want to an initial agreement on how much you can borrow. A mortgage offer is issued by the lender once your application has been agreed and normally once a valuation of the property you want to buy has been agreed by the lender.
A mortgage has one key difference to other loans – it is secured against your home. If you cannot keep up with your monthly repayments you put yours and your familys home at risk of repossession. You can protect yourself against this, contact us so we can go through your options.
It is a requirement of your mortgage to have building insurance. This covers the bricks and mortar, fixtures of fittings. It is also a good idea to take out contents insurance aswell – this protects all your possessions in your home from furniture to jewellery.
It is also important to think about what will happen to your mortgage in the event of death, or if you are too ill to work. Our Mortgage & Protection advisers can help you find the right level of cover to protect your mortgage should the worst happen.
The Mortgage Bubble easy to use calculator
Use our easy-to-use Mortgage Calculator to help you on your journey to home ownership.
Our Team
Joe Capon
Managing Director
As an award-winning mortgage advisor, Joe has gained a good reputation with clients of all situations, providing you with bespoke advice when it matters. Joe cherishes helping you buy your first home, forever home or remortgaging to raise the funds to do your dream home improvements. Whoever you are, Joe is here to help!
Joe provides award-winning mortgage advice to clients in Basingstoke, Reading, Winchester, Newbury, Wokingham and surrounding areas.
Joe Joyce
Residential Lending Director
After a successful career in both estate agency and now financial services, Joe has gained over 13 years of experience which he utilises to help first time buyers, current homeowners and property investors throughout their respective journeys.
It is this experience which Joe can call upon that sets him apart from the majority of other brokers. With his client’s experience at the top of his agenda, Joe is always happy to help and go the extra mile to meet each client’s individual needs.
Joe provides award-winning mortgage advice to clients in Camberley, Yateley, Fleet, Bracknell, Woking, Farnborough and surrounding areas.
