Specialist Mortgage Services

Southampton, Hampshire, National

A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Buy to Let
Southampton, Hampshire, and National

Are you looking for your first buy to let property, looking to let your current residential to buy onwards or an experienced landlord, then Alexander Southwell Mortgage Services Ltd can help. Having the ability to search thousands of mortgage products, we will save you time and money ensuring the right deal is offered for you.Buy to let mortgages can be more complicated than you think, especially with the forever landlord changes, however our experienced mortgage consultants can explain the process, costs and source the best possible avenue to purchase the property, whether that be as personal buy to let or a company buy to let, we have the right answers for you.

The Financial Conduct Authority does not regulate most forms of buy to let mortgages.

Self-Employed
Southampton, Hampshire and National

Are you a sole trader? Company director? Or a contractor who has a limited company? Then we can help. Here at Alexander Southwell Mortgage Services Ltd we can help with all types of self-employment. Our mortgage consultants have the knowledge and understanding of how different lenders, such as the high street banks, building societies and even more obscure lending companies make these assessments therefore the right mortgage and advise is offered based on your needs and circumstances.

Mortgage deals may not be available and lending is subject to individual circumstances and status.

Contractor Mortgages
Southampton, Hampshire and National

When the majority of lenders assess contractor mortgages they tend to require 2 to 3 years of accounts or tax returns. The lenders generally class contractor mortgages as high risk as they feel clients will struggle to afford their monthly payments once there current contract comes to an end. Even though it might seem like a difficult process the great news is that here at Alexander Southwell Mortgage Services Ltd we are specialists in securing the mortgage funding for contractors. Key elements in securing a successful contractor mortgages are:

  • Providing the income to the lenders in a way to support your total income, the income must be presented to the lender in a way the lender will see them as a good risk
  • Approaching contractor friendly mortgage lenders
  • Providing proof of the clients long term experience within their industry and demonstrating that the monthly payments will still be paid when their current contract comes to an end

Mortgage deals may not be available and lending is subject to individual circumstances and status.

Please contact us for more information and we can inform you of the next steps to getting you a mortgage.

Expat Mortgages
Southampton, Hampshire and National

Expatriate mortgages can sometimes be very difficult to arrange whilst living overseas. Most lenders set tougher criteria for expats and dealing with the full house purchase from abroad can sometimes be very difficult. More and more expats are looking to buy property within the UK and we can help. Our tailored approach will help you find a bespoke expat mortgage whether that be on a residential or a buy to let basis.

If you are considering buying a UK property from abroad then please allow our brokers to help you through the process, by working with you and our specialised lenders closely we can help you secure the mortgage on your desired property and handle everything on your behalf.

Mortgage deals may not be available and lending is subject to individual circumstances and status.

Adverse Credit
Southampton, Hampshire and national

Looking to secure your future but have previous credit problems, then get in touch with us at Alexander Southwell Mortgage Services Ltd. We understand that this may be a difficult subject to discuss therefore we offer a non-judgmental and safe environment to talk us through your previous hard times so that we are able to offer the best possible advice which is our biggest priority. We have a wealth of experience when dealing with all different types of previous adverse credit such as:

  • CCJ
  • Defaults
  • Debt Management plans
  • IVA
  • Late payments
  • Bankruptcy

At Alexander Southwell Mortgage Services Ltd, we’ll be by your side every step of the way. We provide advice when you need it and can achieve highly competitive rates and offer an unrivalled service for adverse credit mortgages.

We have helped countless people in the UK achieve first time and second mortgages. Each circumstance is personal and unique as is your future mortgage so speak with us today to see how we can help.

Mortgage deals may not be available and lending is subject to individual circumstances and status.

Information about Debt Counselling, Debt Adjusting and Credit Repair Services is available from the Money and Pensions Service via their website: www.moneyandpensionsservice.org.uk

Our professional fees for specialist mortgage Applications

For establishing your needs, undertaking research and making a recommendation, we typically charge a fee of £295 on submission of the mortgage application. These fees may be waived for existing clients.

For more complex cases, for example adverse credit, self employed or homes of multiple occupancy, we typically charge a fee of 1% of the loan amount. For example if the loan is £80,000 our fee would be £800.

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