At Alexander Southwell we believe that we are more than just a mortgage broker to our clients. Our aim is to make life easier and better for everyone and it underpins everything we do.

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 Bedfordshire estate agents, mortgage lenders, and solicitors to make sure the process is as smooth and hassle-free as possible.

"We will never charge you a penny for our service. We're 100% fee-free mortgage brokers on all mortgages over £100,000."
Bedfordshire includes major towns and areas such as Luton, Dunstable, Bedford, Leighton Buzzard, Biggleswade, Sandy, Ampthill, and Flitwick. We provide our fee-free mortgage services (no broker fee on mortgages over £100,000) across the whole county, helping clients in every corner of Bedfordshire find the right mortgage deal.
At Alexander Southwell we believe that we are more than just a mortgage broker to our clients. Our aim is to make life easier and better for everyone and it underpins everything we do. We believe that our client focused approach, which is underpinned by our core values of trust, transparency and integrity is designed to build long-term relationships with our clients. This is what makes us stand out from the crowd and that is why our clients give us such great feedback, come back time after time and ask us to help their friends and family


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.
A free, no obligation phone or video call to discuss your goals, deposit, income, credit history and the Bedfordshire area you're buying in. This gives us everything we need to start looking at your options.
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.
We can often get a Decision in Principle (DIP) the same day or within 24 hours. This is essential when making offers in competitive Bedfordshire towns like Luton, Dunstable, or Leighton Buzzard where good properties move quickly.
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.
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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A first time buyer is someone who has never owned property anywhere in the world. If you're buying jointly, both applicants must never have owned property to qualify for full first time buyer benefits, including Stamp Duty relief. Your status is verified by the lender through a credit file search and confirmed by your solicitor during the conveyancing process.
The minimum deposit accepted by most lenders is 5% of the property purchase price, which gives you a 95% loan-to-value (LTV) ratio. The more you can save, the better — a 10% deposit opens up more lenders, and a 20% deposit or more gives you access to the most competitive rates on the market. There are also newer schemes that allow deposits as low as £5,000 on a 99% LTV mortgage for eligible buyers.
Yeah, both are possible, though the options available will differ from a standard application. Self-employed buyers typically need two years of accounts or SA302s, though some lenders accept one year. For adverse credit, specialist lenders outside the high street work with applicants who have missed payments, defaults, or CCJs. In both cases, an experienced broker makes a significant difference in finding the right lender for your circumstances.
An Agreement in Principle (also called a Mortgage in Principle or Decision in Principle) is a confirmation from a lender that they are willing to lend you a specific amount, based on a credit check and the financial information provided. It is not a guarantee, but it puts you in a much stronger position when making offers on properties, as estate agents and sellers take it as proof you are a credible, mortgage-ready buyer.