Is there a fee-free mortgage broker in Southampton?

Yes. Alexander Southwell Mortgage Services is a local mortgage broker based in Romsey, just outside Southampton, and covers the whole Southampton and South Hampshire area. Our advice is 100% fee-free for standard residential mortgages. We are paid a commission by the lender when your mortgage completes.

How much deposit do I need?

Most lenders require a minimum 5% deposit. Southampton house prices average in the mid-£200,000s, so a 5% deposit is typically around £12,500 to £15,000. A 10% deposit unlocks more lenders and better rates. Some newer 99% LTV schemes allow deposits as low as £5,000 for eligible buyers.

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

Yes. Most lenders require two years of accounts or SA302 tax calculations, but some specialist lenders consider just one year of trading. We work with a wide panel of lenders and can match your self-employment situation to the right product.

Do I need an Agreement in Principle?

An Agreement in Principle (also called a Decision in Principle or Mortgage in Principle) is a written confirmation from a lender of how much they are prepared to lend you. Most Southampton estate agents will want to see one before accepting an offer. We can arrange yours within 24 hours.

Should I use a mortgage broker or my bank?

A bank can only offer you its own products, while a whole of market broker compares deals from dozens of lenders, including building societies and specialist lenders. Going direct can mean missing a more suitable rate or a lender whose criteria better fit your personal circumstances. We give advice based on the whole of market and manage the application for you from start to finish.

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Mortgage Broker in Southampton

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
A mortgage broker in Southampton offers local knowledge combined with access to lenders across the whole market, so you can get a suitable mortgage deal without the stress of approaching banks individually.

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Southampton city centre, covered by our fee free mortgage brokers

Southwell MORTGAGE

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 also take care of all the administration for mortgages and life cover applications as well as liaise with Hampshire estate agents, mortgage lenders and Hampshire solicitors to make sure the process is as smooth and hassle-free for you as possible.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

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Low-Cost Specialist Advice: Fee-free options available for clean credit and £100k+ loans.

Mortgage Broker Southampton 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.

Southampton office:

Based in Romsey, with remote coverage across Hampshire and the wider UK via video and remote appointments.

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.

Southampton Mortgage Brokers

Our Southampton mortgage advisers bring over 20 years of combined experience in residential and buy to let lending. We provide whole of market mortgage advice, comparing high street banks, building societies and specialist lenders to find mortgage products that suit your circumstances and the criteria you need to meet.

We support first time buyers, home movers, remortgages, buy to let investors and clients with complex incomes across the city, from Portswood and Ocean Village to Shirley, Bitterne and Bassett. We also advise on life insurance, critical illness cover and income protection.

Fee free mortgage advisers helping clients in Southampton

Over 30 years experience in residential and BTL Mortgages

View All Hampshire Areas

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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

Southampton Property Market & Local Knowledge

Southampton combines maritime heritage with major ongoing regeneration. On provisional ONS figures for May 2026, the average property price in Southampton was around £240,000, well below the Hampshire average and a strong entry point for first time buyers and investors.

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Regeneration and growth:

Waterfront and city centre regeneration continues to deliver new homes, creating opportunities for first time buyers and investors looking at modern developments.

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Average property prices:

The average house price was around £240,000 in mid 2026 on provisional ONS figures, with first time buyers typically paying about £207,000 and home movers around £282,000, while semi detached homes have risen in value and flats have eased.

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Key buyer groups:

Demand comes from first time buyers, students and university staff, port employees, and families seeking good schools in areas such as Bitterne Park and Highfield.

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Transport links:

The M3, M27 and direct trains to London Waterloo support commuter demand and strengthen the city's appeal for buy to let.

MORTGAGE ADVICE SOUTHAMPTON

The Right Advice For Every Stage Of Life

Whatever brings you to the Southampton property market, we provide tailored mortgage advice built around your income, deposit and personal circumstances, then guide you to suitable mortgage options that fit.

First Time Buyers

Getting on the property ladder takes planning. We guide first time buyers through deposits, affordability and government schemes, explain each lender's criteria and secure a Decision in Principle so you can make offers with confidence.

From your first enquiry to picking up the keys, we are with you every step of the way. Read more about our first time buyer mortgages service.

Remortgaging And Moving Home

If your fixed rate is ending, finding the right mortgage at the right time protects you from an expensive standard variable rate. We compare deals across the market and ensure the new deal suits your budget and plans.

Moving home? We can advise on porting your existing deal or finding a new one, and we liaise with everyone involved to keep your purchase on track.

Buy To Let And Student Lets

Southampton's two universities and large student population create steady rental demand, making the city a popular choice for investors. We advise landlords on buy to let mortgages for family homes and student lets, from a first investment to an established portfolio.

Lender criteria for buy to let vary widely, particularly for HMOs, so specialist advice matters before you commit.

Self Employed And Complex Income

Business owners, contractors and freelancers can obtain a mortgage with the right preparation. We understand what lenders need to see and provide advice that reflects how you really earn.

We know what lenders need to see and how the mortgage industry assesses self employed income, so bring your accounts or tax calculations and we will do the rest.

LIVING IN SOUTHAMPTON

Local Knowledge Across The City

Southampton is one of the largest cities on the south coast of England, and lifestyle plays a big part in where you choose to buy. Knowing the areas helps us give better advice.

From the Mayflower Theatre, museums and art galleries to music venues, Westquay and miles of waterfront, the city's amenities keep demand for homes strong across every price range.

City Centre And Ocean Village

Modern flats and waterfront apartments dominate here, with shopping, restaurants and the marina lifestyle on your doorstep. Lenders apply specific criteria to flats and high rise buildings, which is where experienced advice makes the difference.

Shirley And Freemantle

Victorian terraces and family homes popular with first time buyers and young families, with everyday amenities along Shirley High Street and easy access to Southampton Common.

Portswood, Highfield And Swaythling

The university quarter. Strong rental demand from students and academics makes these areas a focus for investors, while Highfield's period homes attract families seeking excellent schools.

Bitterne, Woolston And Bassett

East of the River Itchen, Bitterne and Woolston offer some of the city's most affordable family homes, while Bassett's leafy avenues to the north attract professionals who want space without losing the commute.

Beyond The City

We also cover the towns and villages around Southampton, including Eastleigh, Chandler's Ford, Totton, Romsey and the New Forest, and along the coast towards Portsmouth and Bournemouth. Wherever you are buying, video and evening appointments bring our advice to you, throughout the week and at weekends.

Services

Mortgage Services We Offer in Southampton

Southampton city centre, where our advisers arrange mortgages

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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.

Fee Free Mortgage Broker Southampton

Mortgage Broker in Southampton

Why choose Alexander Southwell Mortgage Services?