Business Details
Expert Mortgage Brokers in Leigh-on-Sea
Southern Mortgages is a trusted local mortgage brokerage serving Essex and surrounding regions. With over 25 years of combined experience, our team of qualified advisers specialises in finding tailored mortgage solutions for first-time buyers, remortgagers, buy-to-let investors, and clients with adverse credit. We offer impartial advice across thousands of products from whole-of-market lenders, supported by access to insurance, protection, and equity release services.Our client-centric approach prioritises understanding individual circumstances to deliver stress-free mortgage journeys, backed by a 5-star average rating from 120+ reviews. Based in Leigh-on-Sea, we combine local market expertise with extensive industry networks to provide comprehensive financial guidance from initial home purchase to retirement.
Services
Mortgage Broker
Remortgage
First Time Buyer
Buy to Let
Shared Ownership
New Build Mortgages
Later Life Lending
Critical Illness Cover
Income Protection
Bridging Loans
Highlights and features
- We have over 25 years of combined experience in mortgage advisory services.
- We offer access to whole-of-market mortgage products from diverse lenders.
- Our team includes qualified advisers with CeMAP and CeRER certifications.
- We provide local market expertise covering Essex and neighbouring regions.
- We deliver tailored solutions prioritising clients' unique financial circumstances.
Associations and certifications
- Financial Conduct Authority
What people say
Expert mortgage advisers
Personalised service
Stress-free process
Local market knowledge
Hassle-free experience
Services
Mortgage Broker
Our mortgage brokerage service provides access to thousands of products from whole-of-market lenders. We specialise in tailoring solutions for first-time buyers, remortgagers, and buy-to-let investors. With qualified advisers and local market expertise, we ensure clients secure optimal mortgage deals aligned with their financial circumstances and future goals.
Bridging Loans
Bridging loan services offer short-term financial solutions for property transactions. We connect clients with specialists who provide funding for auction purchases, property renovations, or gaps between property sales and purchases. Our partners ensure transparent terms and support throughout the application process for residential and commercial needs.
Critical Illness Cover
Critical illness cover provides financial protection through lump-sum payouts upon diagnosis of specified illnesses. Our advisers help clients select policies covering major conditions, with options to include family members. This service ensures financial stability during medical crises, complementing mortgage and insurance portfolios with tailored protection plans.
Income Protection
Income protection policies deliver tax-free monthly payments during prolonged sickness or unemployment. We offer customisable coverage aligned with employment benefits and personal budgets. This service safeguards mortgage payments and household expenses, ensuring financial security when regular income is disrupted through no fault of the policyholder.
Secured Loans
Secured loans allow borrowing against property equity for significant financial needs. Our specialists assess eligibility and connect clients with suitable lenders for amounts typically exceeding 25,000. We provide transparent advice on risks and benefits, supporting applications for home improvements, debt consolidation, or major life events with responsible lending practices.
People
Sue Briscoe
Senior Mortgage Adviser
With over two decades in mortgage advisory, Sue combines High Street banking expertise with specialist mortgage knowledge. She holds CeMAP and CeRER qualifications, focusing on comprehensive mortgage planning, later life lending, and protection solutions for Southern Mortgages' clients.
Tim Ball
Mortgage Adviser
Tim specialises in first-time buyers, remortgaging, and buy-to-let mortgages. His legal background enhances his ability to handle complex cases, ensuring clients receive informed advice tailored to their property aspirations and financial circumstances.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, deposit assistance schemes, and expert guidance through Help to Buy and Shared Ownership programmes.
How do you find the best mortgage deals?
We access whole-of-market products from 9,000+ mortgage options, using advanced filtering tools and lender relationships to match your circumstances with optimal rates and terms.
Can you help with adverse credit mortgages?
Yes, we specialise in arranging mortgages for clients with past credit issues, working with specialist lenders who consider individual circumstances beyond credit scores.
What insurance products do you offer?
We provide critical illness cover, income protection, life insurance, buildings insurance, and contents insurance, all tailored to complement your mortgage and financial needs.
How does the mortgage application process work?
Our process includes initial consultation, Decision in Principle, document preparation, lender application, solicitor coordination, and completion support, all explained in clear stages.
Do you offer commercial mortgage services?
Yes, we connect businesses with commercial mortgage specialists for property purchases, expansions, or equipment financing through our network of business lenders.
