Fee Free Mortgage Advice New Forest & Totton

We discuss, advise and submit the whole mortgage application from start to finish! At Alexander Southwell Mortgages, we give honest, straight forward, easy to understand, fee free Mortgage Advice New Forest & Totton


Fee Free Mortgage Advice New Forest & Totton

Alexander Southwell Mortgage Services Ltd is a mortgage broker business for customers in the New Forest. Our team provide expert mortgage & financial advice suited to your specific circumstances.

Taking out a mortgage will be one of the biggest financial commitment you ever make so make sure that you get advice from an mortgage broker that has access to a large panel of mortgage lenders.

Free Mortgage Broker New Forest

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Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products in the New Forest 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 New Forest estate agents, mortgage lenders and local solicitors to make sure the process is as smooth and hassle-free for you as possible.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

Why get a mortgage in the New Forest?

The new forest became a national park in 2005 having once been a royal hunting ground for William the Conqueror. Most of its land mass is unspoilt woodland, heathlands and river valleys providing tranquillity and a car-free haven for walking, cycling and horse riding.

The New Forest is well connected making it a desirable place to buy. Not only with its excellent motorway connections but the main station at Brockenhurst offers access to London, Southampton, and Bournemouth.

From beautiful scenery to free roaming animals, fascinating history to scenic coastline, there is something for everyone in the New Forest. Also known for its huge range of local businesses offering high quality local produce meaning the New forest really does offer the most unique and authentic experience when buying locally.

All in all, the New forest truly is a beautiful place to live and purchase that stunning country property. Whether you choose to buy a country cottage, a small country farm or an equestrian property then you will undoubtedly find the New forest a great place to live. The convenience of the access to the larger cities combined with the tranquillity of the New Forest and surrounding coastal areas truly is unrivalled.

Alexander Southwell Mortgage Services in the New Forest

FEE FREE Mortgage Advice New Forest & Totton

We offer advice into the finance market and a range of mortgages, insurance, and property services in the New Forest and the UK.

Whether you are a first time buyer looking to become a property owner or you are looking to step up the property ladder and search for a bigger property or remortgage we can help. Our aim is to help people in the New Forest & Totton achieve the right mortgage for them.

We pride ourselves in making the whole process as smooth and as simple as possible without giving you lots of jargon.

Alexander Southwell are mortgage advisers, which means we search an extensive panel of lenders to find the right mortgages suited to your personal circumstances.

First-time buyer advice

Remortgage advice

Solicitor recommendations

Life Assurance advice and services

Mortgage protection services

Buy To Let advice

Being a local company customer service is of utmost importance to us. We search an extensive panel of lenders to find you competitive rates and deals for your circumstances and look after the mortgage application form beginning to end to take away any stress. We are proud to have looked after the people of the New Forest and around the south coast of the UK for many years.

First Time Buyers New Forest & Totton

Buying your first home and looking for your first mortgage in the New Forest is an exciting prospect but figuring out how to get onto the property ladder can feel overwhelming. By talking to Alexander Southwell Mortgage Services Ltd, not only can you be assured of getting a suitable mortgage deal based on your needs, circumstances and preferences.

You will also be guided through the maze of the mortgage process in a friendly, professional and efficient way. This is important being a first time buyer and we will help you understand the following;

  • How much you can borrow
  • Finding you the lowest interest rates
  • What deposit you require
  • Other costs during the process of buying a home
  • How much you can afford in monthly repayments
  • Government schemes to help get you on the property ladder
first time buyer mortgages new forest

Moving Home To The New Forest Or Totton

A home mover mortgage isn’t any different to a standard mortgage. It’s simply the process of getting a new mortgage with a new mortgage lender when you move home so the mortgage is suitable for the house you’re moving into. As home movers choosing the correct mortgage for you is critical as you will need to ensure it is still affordable whilst suiting your changing needs.

Home Mover mortgages are typically for people who are stepping up the property ladder and looking for a larger home which requires a larger mortgage. We will go through all options of porting your current mortgage with your current mortgage lender, searching for a new mortgage, discussing any early repayment charge which might be due. Getting a mortgage when moving home should hopefully be easier, because we can show the mortgage lenders that you have a track record of being able to keep up repayments. Speak to one of our expert mortgage brokers to lead you through the mortgage maze.

moving home mortgages new forest

Remortgage Advice New Forest Or Totton

Most people refinance their current mortgage debt to take advantage of the current market and benefit from cheaper mortgage rates but there are also many other reasons why you might be looking to remortgage

  • Capital Raising: The cash could be for several reasons like home improvements, a holiday or maybe a new car. It might also be a necessity as getting divorced is a fact of modern life and many partners would prefer to stay in their current home if they could raise money to “buy out” their ex partner.
  • Capital Raising for a Deposit: Purchasing a second property or a buy to let property is becoming more and more popular; saving for the deposit is quite a difficult process while already paying for a current mortgage.
remortgage broker in the New Forest

Buy To Let Mortgages In the New Forest Or Totton

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 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.

buy to let mortgages basingstoke

New Build Mortgages In the New Forest & Totton

New Build Properties are a fantastic option whether you are a first time buyer, upsizing, downsizing or just looking to live in a modern home benefiting from lower running costs and energy bills. There are many other benefits of purchasing a new build property:

  • The property is a blank canvas so you can put your own stamp on it.
  • No chain in the purchasing process
    Excellent quality build
  • 10 Year Warranty
  • Government schemes making them more affordable

Is a new build property in the New Forest right for you?

There are many important things to consider when deciding if a new build home is right for you. Just because a home is new, it does not mean it will be completely free from defects which may lead to negotiations with your builder. Depending on the stage of the development, you may spend the first few months or even years in your home on a building site. You may need a larger deposit for a new build property and timing your mortgage with your home completion can get complicated.
new build mortgages basingstoke

Help To Buy Mortgages

The help to buy scheme changes from 1st April 2021. This Help to Buy scheme offers an equity loan where the government lends first-time buyers money to buy a newly-built home. This must be used to buy your main residence and can’t be used to buy a second home or a buy-to-let property.

The help to buy scheme offers an equity loan where the government either lends up to 20% or 40% (For help to buy London) of the property to first time buyers or homeowners to purchase a newly built home.

How does Help To Buy Work?

  • You need at least 5% of the sale price of your new build property for the deposit. You can input a larger amount if you would like to.
  • The government lends you up 20% of the sale price
  • You borrow the rest from the mortgage lender for the remaining 75%
  • The loan will run for a maximum of 25 years
  • You don’t pay any interest or fees on the government equity loan for the first five years, in the sixth year you will be charged 1.75%

It is critical to get mortgage advice when using any government scheme because your mortgage broker will assess your full mortgage needs and recommend the type of specialist mortgage which is going to suit you. The maximum purchase price for a Help to Buy property depends on what region of England you live in. You can’t use Help to Buy to purchase a property above these limits.

Help to Buy Equity Loan will close to new applications on 31 October 2022.

help to buy mortgage brokers

Frequently Asked Questions - Mortgage Broker New Forest & Totton

We offer amazing FEE FREE mortgage advice – look at our 5-star reviews from clients mortgages. As brokers for New Forest & Totton you are able to get expert local advice across a range of products.

Our dedication at Alexander Southwell Mortgages goes beyond the norm. With a track record of thousands of satisfied customers, we pride ourselves on building lasting relationships and delivering unparalleled service in every mortgage journey.

To answer whether life insurance or mortgage protection is worth it or not you have to ask yourself another question; Could you afford to maintain your current lifestyle if you or your partner were suddenly gone? In most cases, the answer will be no. So is Life Insurance worth it? Yes! Your expert broker will find the right deal for you.

When your mortgage brokers provide expert mortgage advice we will assess your full situation. In some circumstances it might be worth staying with the same lender, this is called ‘product switching’, it is always worth speaking to a mortgage broker and getting mortgage advice as a small saving on your interest rate could end up saving you thousands of pounds therefore getting the right mortgage deal is important.

Once we have found our clients the right mortgage deal, when the new mortgage commences the mortgage lender then pays us a procuration fee. This is excellent news for our customers as there is no cost for them through the whole process of looking for a mortgage.

Our Mortgage Broker Reviews

We are proud of our reputation as a leading mortgage broker serving the South coast. Please take a moment to read our reviews, or if you are customer please leave us a review too. Your feedback is valuable to us.

Our Mortgage Service Is Highly Rated!

Alexander Southwell Mortgage Services is rated 5 out of 5 Google reviews.

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