Business Details
Your Trusted Mortgage Brokers in Southampton
Established with a commitment to providing impartial mortgage advice, we have dedicated ourselves to helping clients navigate the complexities of property financing. Our team combines decades of industry experience with access to a comprehensive range of mortgage products from leading lenders, ensuring tailored solutions for residential and commercial needs. Specialising in both conventional and non-conforming mortgages, we prioritise transparency, offering clear guidance throughout the entire process.Our independence guarantees objective recommendations, while our professional indemnity insurance provides clients with added security. With a focus on long-term relationships, we strive to deliver exceptional service that adapts to evolving market conditions and client requirements.
Services
Residential Mortgages
Portfolio Landlords
Mortgage Quotations
Commercial Mortgages
Alternative Mortgages
Highlights and features
- We offer 50 years of combined experience in mortgage advisory services
- Our independence ensures objective recommendations across 100+ lenders
- Specialists in non-conforming mortgages and alternative lending solutions
- Professional indemnity insurance provides client protection
- Proven track record with repeat clients and industry recognition
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic professional service
Knowledgeable and helpful
Highly recommend
Excellent guidance
Loyal and understanding
Services
Residential Mortgages
We specialise in residential mortgage solutions tailored to individual circumstances. Our service includes comprehensive market analysis, competitive rate negotiation, and ongoing support through the application process. Clients benefit from our access to major lenders and regional providers, ensuring optimal financing options for first-time buyers, remortgagers, and property investors.
Portfolio Landlords
Tailored mortgage solutions for property investors with multiple holdings. Our expertise covers complex portfolio structuring, tax-efficient arrangements, and specialist lenders catering to buy-to-let portfolios. We provide strategic advice on portfolio management and refinancing opportunities, leveraging our extensive industry experience to secure competitive terms.
Commercial Mortgages
Comprehensive financing solutions for commercial property transactions. Our service includes sourcing development finance, investment property loans, and owner-occupier mortgages. We work with specialist lenders to address unique business requirements, offering expert guidance on loan structuring, interest rate options, and repayment strategies for commercial clients.
Alternative Mortgages
Specialist mortgage products for unique financial situations. This includes self-employed applicants, expatriates, and those requiring non-conforming lending solutions. We access niche lenders offering flexible underwriting criteria, providing viable options where traditional lenders may decline applications, supported by our in-depth knowledge of alternative lending markets.
Mortgage Quotations
Comprehensive mortgage quotation service comparing hundreds of products across the market. We provide detailed illustrations of available rates, fees, and repayment structures through our online quick-quote system and full application process. This service ensures clients receive transparent, comparable information to make informed financing decisions.
People
Jonathan Smith
Founder
With over 50 years' experience in mortgage advisory services, Jonathan established the practice to provide impartial guidance to residential and commercial clients. His expertise in sourcing competitive mortgage solutions has earned industry recognition and client loyalty.
Kim Baker
Senior Mortgage Adviser
Having worked alongside Jonathan for 25 years, Kim specialises in residential mortgage solutions. Her extensive knowledge of lending criteria and client-focused approach ensures tailored advice for first-time buyers and property investors.
Questions
What mortgage services do you offer?
We provide residential, commercial, buy-to-let, and alternative mortgages with access to over 100 lenders across the UK market.
Are you independent mortgage advisers?
Yes, we operate independently without ties to specific lenders, ensuring objective recommendations based on your individual circumstances.
How do you charge for mortgage advice?
Our minimum arrangement fee is £350, with most costs typically recovered through lender commissions. All charges are disclosed upfront.
Can you help with non-conforming mortgage cases?
Yes, we specialise in alternative mortgages for self-employed individuals, expatriates, and complex financial situations through specialist lenders.
Do you offer online mortgage quotations?
Yes, our website provides instant mortgage quotations with detailed illustrations of rates, fees, and repayment options.
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the FCA (FRN 125272) with professional indemnity insurance for client protection.
