As a mortage broker in Southampton, we work alongside mortgage applicants and help them through their entire mortgage process. This can be anywhere from helping you prepare your mortgage application, to selecting a perfect mortgage product that suits your personal and financial situation. We will always be open and honest with you. Your mortgage advisor in Southampton will keep you in the loop at all times, making sure that you are aware of every step of the process. We want you to feel secure and comfortable throughout the whole process.Book Online
Say hello to our modern way of speaking to a mortgage advisor in Southampton. You can easily book a free mortgage appointment online by simply answering a few questions. Pick a date and time that suits your personal and working schedule. We want to be as responsive as we can, therefore, mortgage advice in Southampton is available early in the morning and late in the evening.Our Reviews
As a first time buyer it can be difficult to know how to start your mortgage process. Fo you look for property viewings, speak to a financial advisor or approach the bank? If you reach out to a mortgage broker in Southampton that specialises in helping first time buyers like us, you should find the whole process a lot easier and simpler. This is because we arrange everything for you! We can help you prepare your mortgage application, arrange an agreement in principle for you, work out how much you will be able to borrow based on your income and affordability, and many more. Our service is designed to help buyers like you! Getting first time buyer mortgage advice in Southampton can be a great first step to moving into your dream home.
When it comes to moving home in Southampton, not only are you buying a new property, you are selling one at the same time! Much to our knowledge, this can be a stressful process and more often than not, it can be extremely beneficial to get help from a mortgage advisor in Southampton. We have been helping applicants move home in Southampton for over 20 years now. Being experienced in this field has allowed us to provide a fast and friendly mortgage advice service. Our aim is to take all of the stress of moving home away by arranging all of the mortgage parts of the process; let us help you next!
It is time to remortgage when your current product is coming to the end of its fixed term. Usually, your fixed term will last 2, 3 or 5 years. Once this term is over, your interest rate will switch to your lender's standard variable interest rate (SVR). Usually, this rate is higher than your current rate, and therefore, it is best to remortgage and switch to a more favourable rate. Our job comes in when you get in touch. Your dedicated remortgage advisor in Southampton will search through 1000s of remortgage products to try and find the most suitable one for you. They will factor in your personal and financial situation so that the deal can only benefit you. If we are unable to find a suitable product or the rate that you are already on is the best that you can get, we will be honest with you and recommend that you remain as you are. Our team offer remortgage advice in Southampton are available 7 days a week. All that you have to do is get in touch and we can arrange a free remortgage review. Alternatively, you can book a free remortgage review online. We can also help with other remortgage options, such as home improvements, debt consolidation, equity release and bad credit.
As a landlord, there are more requirements that you will need to pass in order to get a buy to let mortgage in Southampton. For example, you will need a 25-40% deposit. Our expert buy to let mortgage advisors in Southampton can help you prepare your application and help you find an appropriate deal for your property. If you are a first time buyer landlord, you may need to pass further requirements to demonstrate your affordability. An experienced landlord is likely to have a portfolio to back their application and therefore, the lender may see them as a reliable and trustworthy applicant. Your buy to let mortgage advisor in Southampton will run through all of this with you. In Southampton, you can book a free buy to let mortgage appointment online. Get started today and let us help you begin your buy to let mortgage journey!
The Help to Buy Schemes were introduced off the back of the credit crunch to help first time buyers get onto the property ladder. There are multiple schemes available through Help to Buy, and even more so with OwnYourHome introduced in 2021. The most popular schemes are the Help to Buy Equity Loan and the Help to Buy Shared Ownership. Help to buy mortgage advice in Southampton is available 7 days a week. Our help to buy mortgage advisors in Southampton have in-depth knowledge and experience across all of the schemes and will be able to help you decide whether one of them is the right option for you or not. In some cases, we have seen that applicants do not benefit from using a help to buy scheme and would be best using the traditional method of getting a mortgage.
Most self employed applicants won't realise that they need to supply more evidential documents than regular mortgage applicants to support their affordability. This is because the lender needs to make sure that you can afford to run your business and simultaneously meet your mortgage payments. If you own more than 20-25% of your business, you are classed as a self employed applicant. You will also have to provide at least two years of earnings and tax calculations. Some lenders may also factor in your net profit during your affordability assessment. Once you are ready to start your self employed mortgage journey, feel free to get in touch with our responsive team. Either book a free appointment online or give us a call to speak with a mortgage advisor in Southampton today.
Did you know that you could take a mortgage out on your council or a local housing association property that you're living in? This can be made possible through the Right to Buy government scheme. It is not as simple as approaching a bank, you will need to pass various stages before this can all can be achieved. A mortgage broker in Southampton like ourselves can help you with this. We will talk you through the whole right to buy process and see whether it is the right option for you or not. Depending on the length of time that you've been living in the property and the value of it, you may be able to get a discount on the property. This right to buy discount may also cover your deposit, meaning that you will just have to cover legal fees. If the right to buy discount doesn't cover your deposit, you may have to supply a small deposit. Like a regular mortgage application, you will still need to pass affordability assessments so that the lender can see that you afford to take out a mortgage.
We work to fit your schedule. Book your mortgage appointment at a date and time that best suits your personal and working life.
No upfront fees, no-nonsense; give our team in Southampton a call today.
From start to finish, your case manager and mortgage advisor will be on hand to answer questions that you have along the way.
We love the fact that we are able to help so many applicants achieve their home buying dreams. Take a look at our reviews to find out how others have valued their experience with us.
So that you and your family are covered, your mortgage advisor in Southampton will make sure that you have the correct insurance and protection in place.
As your mortgage broker in Southampton, we will try and find you the perfect product that matches your personal and financial situation.
It's rare to find a situation that we haven't come across. Don't hesitate to get in touch, our mortgage team in Southampton are here to help!
We may encounter some hurdles along the way, but we love a good challenge! We will try our best to get you through the mortgage process, no matter what situation you are in.
Our Customers Love Us
4.97 Rating269 Reviews
Excellent communication from start to finish. Highly recommend.
Very friendly and provided all the information I needed.
Very pleased with Allen’s professionalism , he was able to answer all my questions to my satisfaction
Excellent experience all around, used for two mortgages and will use again
Absolutely brilliant both Matt & Stacey. Really clear with us what our options were. Will use again when i need to find another mortgage.
Chloe and Tom were very helpful and informative throughout and very knowledgeable we would recommend UK moneyman to any first time buyers
I can’t thank or recommend these guys enough. Highly professional, helpful and friendly from the outset - very knowledgeable and great customer service.
Great company to work with, very helpful and always prompt to answer any queries.
Great service! Quick and trustworthy!
Excellent service from both Leo and Meghan who we feel went above and beyond to help us get our first mortgage, even when faced with some very unforeseen changes! They made the whole process extremely easy and understandable. We have already...
Excellent service from the team, were very informative throughout the process even when we had to swap the house we were purchasing resulting in a new mortgage application.
Excellent service from Wayne and Stacey. Wayne took time to explain everything and reran mortgage calc a number of times as my property search went on which was much appreciated. Stacey was also extremely helpful, informative and quick to respond to...
Incredibly helpful from start to finish, gave me all the information I needed and made the whole process much easier
Megan and Wayne have been great throughout. Both really easy to work with and on top of things at every step of the process. Thanks a lot.
Excellent service by Malcolm, Paula & Meghan. We completed our purchase last week in what was supposed to be a very difficult case due to my bad credit and limited trading history as a director of LTD company. UKmoneyman dug out a lender that...
Very good service received. Wayne is very knowledgeable and helpful especially with me been a first time buyer. Also very accommodating with timings and I was able to have chats later on a night to fit my schedule. Very supportive all the way...
So far so good ! The first point of contact was lovely, made me feel at ease and very knowledgeable.
Absolutely fantastic service from the start, in helping getting a mortgage. Charlie always replied to my messages as quickly as possible and was very clear, thorough and calming through the whole process, cutting out a lot of worries had I not used...
Great help from the team, helped find exactly what we were after, and was an easy straight forward process. Being self employed it can be tricky however there were no problems with the help and advice we received.