Mortgage Broker Southampton
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for Southampton
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Location | 10% Deposit | What would your salary need to be? (estimated based on 4.5 times salary) |
West End | £15,924 | £31,848 or £15,924 per salary with a joint purchase |
Hamble | £22,070 | £44,140 or £22,070 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in Southampton
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
Pay off debts with savings
Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.
It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.
Bridging Finance
Bridging finance is not strictly a type of mortgage but is often strongly connected to mortgaging. Strictly speaking it is short term – and relatively expensive – funding which is often used to:
- Bridge the finance gap between selling a property and purchasing another;
- Help buy dilapidated properties to 'do up'; and
- Help buy auction properties.
Lenders need to be satisfied that bridging finance can be repaid and normally require lending to be secured against other residential or commercial properties held, whether a first or second charge. It is normally relatively quick to arrange and is set up on a bespoke basis.
If your home purchase in Southampton is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.
Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.
Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.
As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers Southampton
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent Southampton mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker Southampton - Recently Completed
- Forester Road, Soberton Heath, Southampton, Hampshire, SO32 3QG
- 12 Keppel Rise, Centenary Quay, Woolston, Southampton, SO19 9UD
- 65 Gordon Avenue, Southampton, SO14 6WH
- 167a Spring Road, Sholing, Southampton, Hampshire SO19 2NU
- Holly Lodge, Empress Road, Lyndhurst, Hampshire. SO43 7A
Watch our video to find out how to organise your mortgage and funding for your purchase.
