Mortgage Broker in Southampton

Taking the first step onto the property ladder is exciting, but knowing where to begin can feel overwhelming.

How much can you borrow? What deposit do you need? As a mortgage broker in Southampton, we specialise in guiding first-time buyers through every stage of the process.

We’ll help you understand what lenders are looking for, explain the mortgage schemes that could work for you, and connect you with competitive deals tailored to your budget.

From calculating your borrowing power to preparing your application, we’re here to make your journey to homeownership as smooth as possible. If you’re a first-time buyer in Southampton, don’t hesitate to get in touch with our team.

If you’re planning on moving home in Southampton, getting your mortgage sorted early can make the transition smoother and help you budget effectively.

You may have the option to port your existing mortgage to your new property, but sometimes switching to a new deal could be more cost-effective.

As a mortgage broker in Southampton, we’ll assess your current mortgage, calculate what you can afford for your next home, and explore the best available options.

Whether you’re upsizing, downsizing, or relocating, our team is here to guide you through the entire process, keeping everything on track from start to finish.

Remortgaging in Southampton can be a smart way to reduce your monthly payments, secure a better interest rate, or release equity tied up in your home.

If your current deal is coming to an end, it’s worth reviewing your options to avoid being moved onto your lender’s higher standard variable rate.

As a mortgage broker in Southampton, we provide tailored mortgage advice in Southampton, comparing a wide range of lenders to find a remortgage deal that aligns with your financial goals.

Whether you’re looking to free up funds for renovations, consolidate debts, or simply save money on your mortgage, we’re here to help you explore your options.

Investing in property can be a great way to generate additional income, but finding the right buy to let mortgage in Southampton is essential to making it a profitable move.

Unlike standard residential mortgages, buy to let products are assessed based on potential rental income rather than your personal earnings. You’ll typically need a larger deposit, starting at around 25%, and may have the option of interest-only or repayment terms.

As a mortgage broker in Southampton, we work with lenders who specialise in buy to let mortgages; we’ll help you understand how much you can borrow, what deposit you’ll need, and how to structure your mortgage for maximum return.

Navigating the various mortgage schemes available can feel overwhelming, especially if you’re unsure which options are right for your circumstances.

From Shared Ownership to Right to Buy, each scheme is designed to help different types of buyers, whether you’re dealing with a smaller deposit or specific financial circumstances.

As a mortgage broker in Southampton, we can explain what’s currently available, assess your eligibility, and guide you through the application process.

If you’re unsure which scheme could work for you, we’re here to provide clear, straightforward advice to help you make the right choice.

If you’re self-employed in Southampton, securing a mortgage can feel more complex, but it’s certainly possible with the right approach.

Lenders assess income differently for self-employed applicants, often requiring two to three years of tax returns, SA302s, and business accounts to verify earnings. Some may also consider dividend income or retained profits for company directors.

Our mortgage advisors in Southampton will search products from lenders who understand the unique nature of self-employed income. Whether you’re a sole trader, contractor or limited company director, we’ll work to find a mortgage that reflects your earnings and aligns with your financial plans.

If you’re over 60 and considering a mortgage, you may have more options than you think. Lenders now offer a range of products designed for older borrowers, including retirement interest-only mortgages and longer-term repayment plans that take pension income into account.

These can be useful for those looking to downsize, release equity, or secure a new home later in life.

Our mortgage advisors in Southampton can help you explore lenders who specialise in mortgages for older applicants, ensuring you find a solution that suits both your current financial circumstances and future plans.

Whether you’re still working, receiving a pension, or looking to release funds from your property, we’re here to guide you through the process.

Having a less-than-perfect credit history doesn’t necessarily mean you can’t get a mortgage. While some high street lenders may be more restrictive, there are specialist lenders who offer bad credit mortgages, assessing your application based on your current financial situation rather than just past issues.

Our mortgage advisors in Southampton work with lenders who consider applicants with missed payments, defaults, or CCJs.

We’ll review your circumstances, explain your options clearly, and help you understand what steps you can take to strengthen your application and improve your chances of approval.

A bridging loan in Southampton can provide quick access to funds when timing is crucial, such as buying a new property before selling your current one, purchasing at auction, or financing urgent renovations.

These loans are typically secured against property and are intended for short-term use until a more permanent financial arrangement, like a mortgage or sale, is in place.

Our mortgage advisors in Southampton can help you assess whether a bridging loan is the right option for your situation.

We’ll explain how they work, outline the costs involved, and connect you with lenders who offer competitive rates and clear repayment terms.