Getting a mortgage is not just a financial transaction. It is one of the biggest milestones in your life. Whether you are buying your very first home, moving your family into a bigger space or looking for a better remortgage rate, it deserves to be handled with real care.
I have spent the last 15 years doing one thing really well: helping people get the right mortgage with as little stress as possible and at the lowest possible cost.
I live and work near North Baddesley and Romsey on the outskirts of Southampton, but I help clients right across the UK. I started my career in the fast paced world of estate agency and later moved into new build mortgages, which are some of the most technical cases in the market. Those years taught me how to be precise, how to solve awkward lending problems against tight deadlines, and how much it means to have a mortgage adviser in your corner who actually answers the phone.
In 2019 I founded Alexander Southwell Mortgages, and later launched The Fee Free Mortgage Broker. Since then my team and I have submitted over 2,500 mortgage applications. Between us, the team now has well over 20 years of mortgage and financial services experience, and we have guided clients through rate rises, mini budgets and everything in between.
The business is run by me and my partner, Latoya, who looks after our clients' protection advice. When you work with us, you are not passed down a corporate conveyor belt. You are a family being looked after by a family, and you will usually speak to the same person from your first call to the day you get the keys.
I noticed too many people walking straight into their bank, or putting off advice altogether, because they did not want to pay a broker fee on top of all their other moving costs.
We are fee free on over 90% of the mortgages we arrange. When your mortgage completes, the lender pays us a commission, so for most clients our advice costs nothing. On mortgages under £100,000 we charge a flat £299. Complex cases, such as adverse credit or unusual self employed income, take a lot more work, so they carry a fee of up to £995 depending on the circumstances. If a fee applies, we tell you in writing before we start. Our guide to how much a mortgage broker costs explains how fees work across the market.
I comment regularly on the UK mortgage market for national, regional and trade press. Some recent pieces:
Every guide on this site is written or reviewed by me. A few of the most read:
If you have a move coming up, or your deal is ending, book a free call or ring 03300 432 428. There is no pressure, and you can read what other clients say on our reviews page.
