Business Details
20 Years
experience
Your Trusted Mortgage Brokers in Southampton
Established in 2006, Top Mortgage Solutions has built a reputation for delivering tailored mortgage solutions to meet diverse client needs. Our team of experienced advisors works closely with each client from initial consultation through to completion, ensuring continuity and expertise throughout the process. With access to over 60 mortgage lenders, we specialise in sourcing competitive rates and products that align with individual financial circumstances. We cater to a wide range of requirements, including first-time purchases, home moving, remortgaging, equity release, and buy-to-let investments. Our approach prioritises clarity, avoiding industry jargon to make the mortgage process accessible and straightforward. We offer bespoke advice for self-employed individuals and those with adverse credit histories, recognising the unique challenges these clients face.Our services extend to secured loans, bridging finance, and commercial mortgages, providing comprehensive financial solutions. We are authorised and regulated by the Financial Conduct Authority, ensuring adherence to rigorous professional standards. Client satisfaction remains central to our operations, with a commitment to resolving any concerns through our internal processes or the Financial Ombudsman Service. Our dedication to transparency is evident in our clear communication about risks, including the implications of equity release on state benefits and estate value. By maintaining partnerships with trusted third-party specialists, we ensure clients receive expert guidance across all mortgage-related matters.
Services
Mortgage Advice
Remortgage Solutions
Equity Release
Buy to Let
Self-Employed Mortgages
Details
- Year established: 2006
Highlights and features
- We have over 15 years of experience in mortgage advisory services.
- Exclusive mortgage interest rates available through our lender partnerships.
- Specialist products for self-employed individuals and adverse credit cases.
- Personalised service with one dedicated advisor throughout your journey.
- Access to secured loans, bridging finance, and commercial mortgages.
Associations and certifications
- Financial Conduct Authority
What people say
Comprehensive advice
Personalised service
Expert guidance
Competitive rates
Stress-free process
Services
Mortgage Advice
Our mortgage advice service provides tailored guidance to help clients navigate the complexities of home financing. We assess individual financial situations and connect clients with suitable mortgage products from over 60 lenders. Our advisors offer clear, jargon-free explanations to ensure informed decision-making.
Equity Release
Equity release allows homeowners aged 55+ to access tax-free cash tied up in their property. We offer lifetime mortgages with flexible options, including lump sums, drawdowns, and interest-only plans. We explain the implications on state benefits and estate value to ensure suitability.
Buy to Let
Our buy-to-let mortgages cater to property investors seeking rental income or capital growth. We provide access to specialist lenders and products, including solutions for let-to-buy arrangements. We explain regulatory considerations and help structure viable investment strategies.
Remortgage
Remortgaging can lower monthly payments or unlock equity for home improvements or debt consolidation. We compare market rates and advise on the best options for your circumstances. Our process ensures a smooth transition to a new mortgage product.
Self-Employed Mortgages
We specialise in mortgages for self-employed individuals, including contractors and business owners. Our advisors understand the challenges of proving income and work with lenders offering flexible criteria. We help secure competitive rates based on your unique financial profile.
Questions
What mortgage options are available for first-time buyers?
We offer tailored advice for first-time buyers, including government schemes and competitive rates from high-street lenders.
Can I remortgage with bad credit?
Yes, we work with lenders who consider adverse credit histories and offer viable remortgage solutions.
How does equity release affect inheritance?
Equity release reduces the value of your estate, so we provide detailed illustrations to help you understand long-term implications.
Do you offer commercial mortgages?
Yes, we provide access to commercial mortgages for business property purchases or investments.
What support exists for self-employed mortgage applicants?
We have specialist products requiring minimal income verification and work with lenders experienced in self-employed cases.
