Free Independent Mortgage Broker & Advisors Winchester

Need a free mortgage broker and advisor in Winchester? 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, no fee mortgage advice.

Independent Mortgage Broker & Advisors In Winchester

Alexander Southwell Mortgage Services Ltd is an impartial mortgage broker business for customers in Winchester. 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 winchester

Table of Contents

Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products in Winchester, Hampshire 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 estate agents in Winchester, 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 Winchester?

Winchester is renowned for its world class architecture, delicious dining and countrywide trails for walking and cycling meaning there is plenty to do around the city. Winchester is home to one of the largest cathedrals in Europe, Winchester Cathedral. It also boasts the largest farmer’s market in the UK, restored Edwardian theatre royal Winchester and dozens of upmarket stops and restaurants making it a hot spot for locals and tourists.

The residential attractiveness of Winchester has brought commuters and retired persons in increasing numbers. As the connections are excellent due to the railway stations and major motorways within easy reach professionals find Winchester a prime spot for more rural living whilst being a commutable distance to major cities offering ample job opportunities.

All in all, Winchester is a city full of beautiful architecture and historical interests, along with its fast links to other towns and cities, this has led Winchester to become one of the most expensive and desirable areas of Hampshire, even the UK.

FEE FREE Winchester 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 Winchester 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 Andover 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.

First-time buyer advice

Remortgage advice

Solicitor recommendations

Life Assurance advice and services

Mortgage protection services

Buy To Let advice

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 Andover and around the south coast of the UK for many years.

First Time Buyers Winchester

Buying your first home and looking for your first mortgage in Winchester 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 winchester

Home Movers Winchester

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-winchester

Remortgage Advice Winchester

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 in winchester

Buy To Let Mortgages Winchester

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 Winchester

New Build Mortgages Winchester

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 Winchester 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 Winchester

Help To Buy Mortgages Winchester

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 Mortgages Winchester

Frequently Asked Questions - Mortgage Broker Winchester, Hampshire

We offer amazing FEE FREE mortgage advice – look at our 5-star reviews from clients mortgages. As brokers for Winchester 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 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.
Jamie G.
Jamie G.
We were happy to go back to Latoya for our remortgage after our great experience getting our initial mortgage. On both occasions she was knowledgeable and helpful when guiding us, friendly during what can be a hard to understand process, and quick to get us any documentation we needed.
Daniel R.
Daniel R.
Latoya helped me and my partner with my remortgage, it wasn’t simple as I am self employed but she made it all seamless and took all the stress away from us. We didn’t have to chase for updates as she kept us posted every step of the way. I would recommend her to anyone looking for a mortgage and have already passed her details onto some of the lads I work with as they are in a similar situation. Thanks so much Latoya!
Rachel H.
Rachel H.
Jamie and Latoya were helpful throughout the process. They made complicated applications seem effortless and were always really responsive to any questions I had. Thanks again. Will definitely be using them next time.
Charlotte R.
Charlotte R.
I would definitely recommend Alexander Southwell Mortgage Services. As a first time buyer I really appreciated them making the mortgage process clear and straight forward. Jamie was professional, knowledgeable and more than happy to answer questions throughout the process.
Natasha P.
Natasha P.
I have used the team at Alexander Southwell for my last three remortgages, they make it so easy and they're very trustworthy and professional. Well recommend to everyone, you won't be disappointed with the service. Thanks
Alexander David D.
Alexander David D.
Jaime was very helpful - walking me through each step and working alongside my solicitor to get the process completed as smoothly as possible.
Paul G.
Paul G.
Second time I have dealt with Jamie, and he makes things so easy and simple. Sorting a mortgage couldn’t be easier. My daughter and son-in-law have also used Jamie in the past and have only positive things to say. Highly recommend AS Mortgages.
Nobin T.
Nobin T.
Great Service! Jamie has been fantastic and has assisted me throughout the years - very friendly and process was stress-free.
james C.
james C.
Couldn’t thank Jamie enough for all the help he’s given me through the whole mortgage process he was always prompt and professional with any questions and queries I had, would recommend to anyone thanks for all your help along the way James
Taka M
Taka M
Jamie is extremely professional and his levels of customer service are second to none. He responds to queries with an impressive sense of urgency. I called him in panic because I had made an offer on a property which was accepted 3 days prior and I was clueless on how to proceed. He guided me through the process and managed to get an agreement in principle in a matter of hours.He was able to process all my documentation and mortgage application within a few days and we got a Mortgage offer within 3 working days from a highly rated high street bank. Couldn't think of a better advisor. I will forever be grateful to Alexander Southwell Mortgage Services for their patience in dealing with me, a first time buyer with not a clue in the world on how the house buying process works.
Dmitry K.
Dmitry K.
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 “Luchi” T.
Oluchi “Luchi” 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 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
TROY S.
TROY S.
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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