Is there a fee-free mortgage broker in Eastleigh?

Yes. Alexander Southwell Mortgage Services covers Eastleigh and the wider Central Hampshire area. Our advice is completely fee-free for standard residential mortgages. We are paid by the lender on completion, so there is no broker fee for you to pay.

How much deposit do I need to buy a home in Eastleigh?

Most lenders require a minimum 5% deposit. Eastleigh offers relatively good value for the Hampshire market, with average prices often below Southampton and Winchester. A 5% deposit on a £220,000 home is £11,000. Saving 10% or more will give you access to better rates and more lenders.

Can I get a mortgage in Eastleigh if I am self-employed?

Yes. We regularly help self-employed buyers and those with complex income across Eastleigh and the Itchen Valley area. Most lenders want two years of accounts or SA302 forms; some specialist lenders will consider one year. We search a wide panel to find the most suitable product for your circumstances.

What is an Agreement in Principle and do I need one when buying in Eastleigh?

An Agreement in Principle (AIP) is written confirmation from a lender showing how much they would be prepared to lend you. Eastleigh estate agents will usually expect to see one before they accept an offer. We can arrange yours quickly, often within 24 hours of your initial enquiry.

Mortgage Broker Eastleigh | Fee Free Advice

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Mortgage Broker & Advisers in Eastleigh

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
Eastleigh is a growing town in central Hampshire, sitting between Southampton and Winchester with excellent rail and road links. Its blend of affordable housing, good local amenities, and strong transport connections makes it a popular choice for first-time buyers, young families, and commuters.

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Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

We work closely with Eastleigh estate agents, solicitors, and surveyors to ensure your mortgage completes as smoothly as possible.

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Mortgage Broker Eastleigh Quick Summary

Fee structure:

Typically fee-free for standard residential mortgages, our commission is paid by the lender on completion. Fees may apply for complex or specialist cases, always disclosed upfront in writing.

Eastleigh office:

Covering Eastleigh, Chandler's Ford, Hedge End, Bishopstoke, Fair Oak, and surrounding areas across central Hampshire.

Client types:

First time buyers, home movers, remortgages, buy to let (including portfolio landlords).

Same-day service:

Speak to a qualified adviser today. We offer flexible appointments including evenings and weekends.

Eastleigh Mortgage Brokers

Our advisers have helped hundreds of clients across Eastleigh, Chandler's Ford, Hedge End, Bishopstoke, and Fair Oak secure competitive mortgage rates. Whether you're buying your first home, moving up the ladder, or investing, we're here to help.

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Over 30 years experience in residential and BTL Mortgages

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Understanding Your Status

How to get a mortgage in Eastleigh

From your initial consultation to when your mortgage completes we manage the whole process for you. We coordinate with estate agents and solicitors where necessary to keep everyone moving towards your completion date.

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Step 1: Initial Consultation

Call or enquire online and one of our Eastleigh mortgage advisers will get back to you quickly to discuss your needs.

Step 2: Research & Recommendation

Your adviser will compare mortgage products across suitable lenders and prepare a tailored recommendation. You’ll receive an Illustration (ESIS) showing the interest rate, fees and total cost over the mortgage term so you can make an informed decision.

Step 3: Decision in Principle

We'll secure a Decision in Principle (DIP) so you can make offers on Eastleigh properties with confidence.

Step 4: Full Application & Valuation

We’ll handle the paperwork, submit your documents to the lender, liaise on your behalf and arrange the valuation or survey. You won’t need to chase. We do that for you.

Step 5: Offer to Completion

We’ll track your case through underwriting, chase solicitors and other parties if needed and keep you updated through to exchange and completion. Once you’ve got your keys we’ll diarise a review before any fixed rate ends so you’re never left on an expensive standard variable rate.

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Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months’ payslips for employed applicants, or last 2 to 3 years’ accounts and SA302s for self-employed clients

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may require extra paperwork, for example, multiple buy to let schedules, evidence of foreign income or explanations for recent credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

The Eastleigh property market

Eastleigh offers some of the most competitively priced property in Hampshire, making it attractive for first-time buyers priced out of Southampton or Winchester. The town has seen significant regeneration in recent years, with new residential developments and improved facilities boosting local demand.

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Price growth:

The average house price was around £306,000 in spring 2026, with a median sale price closer to £330,000.

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Average property prices:

Detached homes average about £480,000 while flats are among the most accessible locally at around £180,000.

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Key buyer groups:

Demand comes from first time buyers, airport and rail workers, and families drawn to Chandler's Ford and Fair Oak for schools and space.

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Transport links:

Eastleigh sits on the main line to London Waterloo, next to Southampton Airport, with the M3 and M27 both minutes away.

Services

Our Eastleigh mortgage services

Eastleigh town centre, where our advisers arrange mortgages for local buyers

How Much Can You Borrow?

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This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

FAQs: Mortgage Broker Eastleigh

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Fee Free Mortgage Broker Eastleigh