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Mortgage Broker in Southampton

Let us guide you through the entire mortgage process. We can help with:

  • Working out what you could borrow
  • Securing your AIP within 24 hours
  • Finding you the most suitable mortgage
  • Navigating complicated scenarios

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Looking for expert mortgage advice in Southampton?

Finding the right mortgage can feel daunting, especially with so many lenders and products to consider.

As a mortgage broker, we provide clear, straightforward mortgage advice in Southampton, tailored to your unique circumstances.

Whether you’re buying your first home, moving up the property ladder, or remortgaging for a better deal, our experienced advisors are here to guide you every step of the way, helping you secure a mortgage that aligns with your financial plans.

Our Customers Rate us 4.9/5

Our Customers Rate us 4.9/5
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Speak With a Mortgage Advisor in Southampton - It's Free!

A free appointment with a mortgage advisor in Southampton could be the first step toward finding the right mortgage for your needs.

During your consultation, we’ll review your financial situation, explain your borrowing options, and outline the best deals available to you.

With access to a comprehensive range of lenders, we compare rates and products to ensure you get a mortgage that’s affordable and suited to your circumstances.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in Southampton?

If your mortgage needs are more complex, working with a broker who understands specialist cases can make all the difference.

Whether you’re dealing with fluctuating income, past credit issues, or an unusual property type, finding the right lender can feel challenging.

As a mortgage broker in Southampton, we work with lenders who specialise in more complex scenarios, helping you explore alternative solutions that others may overlook.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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What can we help you with today?

I Want Buy My First Home in Southampton

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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.

I'm Looking at Moving Home in Southampton

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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.

I Want to Remortgage in Southampton

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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.

 

I Am Looking For a Buy to Let Mortgage in Southampton

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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.

I Want to Learn About the Different Mortgage Schemes

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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.

I'm Self Employed and Are Looking For a Mortgage in Southampton

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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.

I'm Looking For a Mortgage Over 60 in Southampton

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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.

I Want to Know If I Can Get a Mortgage With Bad Credit in Southampton

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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.

I'm Looking For a Bridging Loan in Southampton

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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.

Reasons to Choose Us

Mortgage advice in Southampton 7 days a week

We’re here every day, including weekends, so you can access expert mortgage advice in Southampton whenever you need it.

Free mortgage appointment in Southampton

Your initial appointment is completely free, giving you the chance to discuss your options with no obligation.

Paired with a dedicated case manager

From start to finish, your case manager will handle your application, keeping everything on track and keeping you informed.

We're on your side, we work for you!

We’re committed to finding the best mortgage for your needs, not the lender’s.

Responsive, 5 star service

Our clients rate us 5 stars for our fast, friendly, and reliable service throughout the mortgage process.

We Search 1000s of mortgages

We compare thousands of products from a wide panel of lenders to find the right deal for you.

Over 20 years experience

Our team has decades of experience helping homebuyers and homeowners secure the best mortgage deals.

Support from start to finish

We’re with you every step of the way, from your first enquiry through to getting the keys to your new home.

Common Mortgage FAQs in Southampton

How much can I borrow for a mortgage in Southampton?

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Lenders calculate how much you can borrow based on your income, monthly expenses, existing debts, and credit history.

Most will offer between 4 and 4.5 times your annual salary, though some may go higher for applicants with strong financial profiles.

Our mortgage advisors in Southampton can help you work out a realistic borrowing amount based on your current circumstances.

What deposit will I need for a mortgage in Southampton?

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The required deposit typically starts at 5% for residential mortgages, while buy to let mortgages often require at least 25%. The size of your deposit can also impact the interest rate you’re offered.

If you’re struggling to save a deposit, we can help you explore alternative options, such as gifted deposits or shared ownership schemes.

Can I get a mortgage with bad credit in Southampton?

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Yes, it can be possible to get a mortgage with bad credit in Southampton, though your options may be more limited.

Some lenders specialise in bad credit mortgages, considering applicants with missed payments, defaults, or CCJs.

We’ll assess your credit profile and connect you with lenders who are more flexible in their criteria.

What is a mortgage in principle in Southampton?

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A mortgage in principle (MIP) is a lender’s indication of how much they might be willing to lend based on a basic assessment of your finances.

It’s not a formal offer, but it can be useful when making offers on a property, as it shows sellers you’re a serious buyer.

Our team can help you secure a mortgage in principle quickly, so you’re ready to start viewing properties.

How long does the mortgage application process take?

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The timeline can vary, but most mortgage applications take between 2 and 6 weeks to process.

If you’re buying a home, the full process from application to completion can take several months.

We’ll keep you updated throughout and work to keep things moving smoothly.

Can I remortgage to release equity?

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Yes, remortgaging to release equity can be a practical way to access funds for home improvements, debt consolidation, or other financial needs.

The amount you can release will depend on your property’s value, the outstanding mortgage balance, and your current financial situation.

We’ll help you explore the best remortgage options to suit your plans.

Are there specific mortgage products for first-time buyers?

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Yes, some lenders offer products tailored to first-time buyers in Southampton, such as lower deposit mortgages, cashback deals, and fixed-rate options.

There may also be government schemes available that could help you get on the property ladder.

We can help you navigate these options and find a lender that suits your circumstances.

What happens if my mortgage application is declined?

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If your mortgage application is declined, it’s not the end of the road.

Different lenders have different criteria, so being declined by one doesn’t mean all options are closed.

We’ll review your application, identify potential issues, and help you explore other lenders who may be more flexible with their criteria.

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UK Moneyman Limited is Registered in England, No. 6789312

Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.

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