FREE Mortgage Broker in Portsmouth

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, free mortgage advice in Portsmouth.

Independent Mortgage Broker & Advisors for Portsmouth

Alexander Southwell Mortgage Services Ltd is an impartial mortgage broker business for customers in Portsmouth. Our team provide expert mortgage & financial advice tailored to your specific circumstances.

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

free mortgage broker advisor portsmouth

Table of Contents

Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products in Portsmouth 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 Portsmouth 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 Portsmouth?

Portsmouth is situated along the English Channel and has one of the largest naval bases in the country and offers plenty of attractions for all such as the historic dock yard, ample seaside entertainment and shopping centres. Located on the southernmost tip of Hampshire, Portsmouth marries maritime charm along with a bustling city atmosphere offering the best of city and seafront living.

As Britain’s primary royal Navy base and largest commercial ports – Portsmouth offers a broad spectrum of maritime industry opportunities making it a hot spot for young professionals. Along with this Portsmouth has incredibly easy networking links to surrounding areas like Southampton, Fareham, Brighton, and London – who are home to other significant employers.

As a town, Portsmouth is also known for its University, as it is home to one of the best in Hampshire. Due to its wide range of shops, restaurants, and seaside entertainment its ideal for students, young professionals, and families alike.

All in all, Portsmouth is a great waterfront city. Being home to one of the countries largest commercial ports and Naval bases it is packed with ample opportunities, world class attractions making it a very much unique city.

Jamie Alexander Southwell-Mortgage Broker Portsmouth

FEE FREE Portsmouth Mortgage Brokers and Mortgage Advisor

All of our advisers are FCA approved mortgage broker with a team or CeMAP qualified mortgage advisers and protection advisers. We offer advice into the finance market and a range of mortgages, insurance, and property services in Portsmouth 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 or remortgage we can help. Our aim is to help people in Portsmouth achieve their best mortgage service and rates.

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

Alexander Southwell are independent mortgage advisers, which means we search the entire mortgage market for the best mortgages suited to your circumstances.

Being a local independent company customer service is of utmost importance to us. We search the whole mortgage market to find you the very best rates and deals 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 Portsmouth and around the south coast of the UK for many years.

First Time Buyers

Buying your first home and looking for your first mortgage in Portsmouth 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 in Portsmouth

Home Movers

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 in portsmouth

Remortgage Advice

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.
  • Debt Consolidating: This is the process of incorporating some or all of you unsecured debts i.e. credit cards, loans etc. within your mortgage debt.
  • 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 portsmouth

Buy To Let Mortgages

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

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 Portsmouth 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 whole of market independent 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 mortgage brokers

Frequently Asked Questions - Mortgage Broker Portsmouth, Hampshire

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

The short answer is yes. Some parts of the mortgage market do not like the term 'whole of market' as there are some lenders who do not use intermediaries (Advisers) at all, but we can confirm we have access to all lenders who use the intermediary market, so yes, we are what you call, a 'whole of market' mortgage broker.
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 best and find the right deal for you.
When your mortgage brokers provide independent 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 best mortgage deal is important.
Once we have found our clients the best 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.
Jordan W.
Jordan W.
Our experience using Alexander Southwell Mortgage Services was second to none from start to finish. Being first time buyers we had no idea about where to start in finding a mortgage, Jamie made it all clear right from the beginning and was always around to answer any questions we had along the way quickly. Thanks to Jamie we now have a mortgage which best suits our needs! We would Highly Recommend them to anyone and will certainly look to use them again in the future!
Dawn M.
Dawn M.
Jamie was really helpful and explained everything in a clear manner, which is great for a first time buyer with no experience of mortgages. Would definitely recommend to anyone who is looking at taking out a mortgage.
Anthony B.
Anthony B.
It is the first time i have ever used a Mortgage broker, however Jamie and Stephanie made the process of securing a Mortgage seem straightforward. They answered our queries very quickly and helped us gain a great deal on a Mortgage which was much better than i thought possible
Emma C.
Emma C.
Can’t recommend them enough! Jamie is a pleasure to deal with. Professional, reliable and great communication throughout. I felt completely confident that we were in good hands. I’ve used their services twice now and wouldn’t go elsewhere! 🙂
Dan G.
Dan G.
Excellent service from start to finish. This is the second home Jamie has assisted us with and we have found him highly professional and helpful in both cases. He kept us informed throughout the process and happily answered any questions we had, he is clearly very knowledgeable on the subject of mortgages. I would recommend Alexander Southwell Mortgage Services to friends and family without hesitation.
holly P.
holly P.
Jamie was exceptionally professional and helpful. We are first time buyers and Jamie was more than happy to answer all (!) the questions we had, never making us feel silly (which can’t be said for everyone we’ve encountered in the process!). We didn’t have an easy situation to land a mortgage in, but Jamie went above and beyond to get us the best deal out there. We cannot be more grateful - thank you Jamie!
Margaret N.
Margaret N.
Jamie! Your are simply amazing👌Many many thanks 👏👏👏
Chukwudi O.
Chukwudi O.
Jamie is a very experienced, knowledgeable, proactive and seasoned professional. This is the second property he has helped me purchase. He successfully appealed the decision of the lenders and they revised my mortgage offer to one that literally blew my mind! I am very delighted I worked with Jamie and I would definitely employ his services in the future. Indeed, he is an expert and I strongly recommend him.
Franco B.
Franco B.
I’ve used Alexander Southwell for my first home, I'm pleased everything went smoothly, but most of all the level of communication was very good, from the beginning to the end.
Oluchi T.
Oluchi T.
Having Jamie as my mortgage adviser is a breath of fresh air. He is very knowledgeable, responsive and highly professional. His advise helped me secure a good mortgage offer during the difficult mortgage lending times caused by COVID-19. This was our second time working with him, and he's still as excellent as ever. Highly recommend.
chris J.
chris J.
I’ve used Alexander Southwell mortgages three times now and every time he’s gone out his way to meet me and has always come up with the best options to suit my needs. Would highly recommend to anyone.
David F.
David F.
If you are reading this then look no further, Jamie is your guy. Other than being very professional and personable, Jamie is extremely efficient at getting you the best deal while keeping you promptly informed every step of the way. After using Jamie twice now, I have full trust in his ability and have had no hesitation recommending him to several friends and colleagues who also speak of him in equally high regard.
danielle C.
danielle C.
I used Alexander Southwell Mortgages twice, the first time just before lockdown and the second during lockdown. Jamie was very helpful, he always responded quickly. I really appreciated the care and attention he provided me, for example, he picked up how important It was that I found the right mortgage as I was buying on my own. Since then I have recommended Jamie to many friends and family as I feel he really cares and wants to find you the right mortgage for you unlike banks who I feel just want the £££. Xxx
Yvette H.
Yvette H.
I cannot sing the praises of Jamie enough! I was that 'annoying client' with lots of questions. Jamie was beyond helpful, understanding my situation and requirements, coming up with a few solutions that would work for me.I would recommend Alexander Southwell Mortgage Services to anyone without hesitation.Honestly, Jamie has made the minefield of mortgages a breeze - Thank you!
Hampshire V.
Hampshire V.
Highly recommend Jamie from Alexander Southwell Mortgages. Great communication and advice from first point of communication through to the end.Thanks Jamie ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
After long deliberation over finding the best representation for facilitating my first time buyers mortgage...I was extremely pleased when recommended Jamie...He was extremely informative and reassured me throughout the process and genuinely advised me on what was best and why.For someone new to this I couldn't have felt anymore reassured and really can't recommend A S Mortgages and Jamie anymore!I am delighted with my experience and will use again in future 😀Thank you!
Caleb H.
Caleb H.
Excellent service. Was able to arrange meeting quickly and was very helpful in securing our mortgage.
Zoe C.
Zoe C.
fantastic service from start to finish. Brilliant service.
Patrick O.
Patrick O.
I cannot recommend highly enough. Guided us through each step of the process with sound advice, very responsive to our questions and sorted issues quickly.
James C.
James C.
I really can't recommend Jamie enough. We needed a mortgage arranged straight away as the house owner needed to move as quickly as possible. We received formal mortgage offer within 6 days. Very happy throughout as we were kept up to date on a daily basis. Will recommend. Thank you!
Julie C.
Julie C.
Would highly recommend, Jamie has been really helpful through your the whole process and answering all questions quickly.Excellent service.
Sam T
Sam T
I used Jamie Alexander for my first home and he helped me through the entire process. I was a first time buyer and was completely unaware of the steps involved. Jamie guided me through and answered all the many questions I had!He was very proactive and prompt in responding to my emails and answering my calls, and offered me the best options for mortgage. I would highly recommend Jamie from Alexander Southwell Mortgages to anyone buying their home.
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Google Rating
Based on 22 reviews

Our mortgage service is highly rated

Alexander Southwell Mortgage Services is rated 5 out of 5. Based on 21 Google reviews.

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