Estimate the costs and mortgage changes when moving to a new home.
Plan Your MoveCalculate affordability and monthly costs for shared ownership properties.
See how different interest rates affect your monthly mortgage payments.
Find out your loan-to-value percentage based on property value and mortgage amount.
Estimate how much you may be able to borrow based on your income and finances.
See how extra mortgage payments could reduce interest and shorten your term.
Calculate your estimated monthly mortgage repayments.
Compare offset mortgage savings against keeping money in a savings account.
Ready to put the numbers into action?
Our calculators give you a useful starting point, but every situation is different. Speak to one of our fee-free advisers to get accurate figures tailored to you. We help clients across Southampton, Romsey and Hampshire with first-time buyer mortgages, remortgages, moving home mortgages and buy-to-let mortgages. You may also want to consider mortgage protection insurance to safeguard your home and finances. Check today's best mortgage rates to see what deals are currently available.
.webp)
There are a number of online mortgage brokers operating in the UK market today, some well known and some less so. What setsAS Mortgages apart is the combination of genuine whole of market access, a truly fee free model, and a personal service that most brokers simply cannot match.
Larger online platforms can feel impersonal. You might deal with a different person every time you call, or find yourself speaking to a call centre rather than an adviser who knows your case. At AS Mortgages, you work with the same team throughout. We know your file, we know your circumstances, and we pick up where we left off every time you get in touch.
We also do not charge fees that other brokers might present as standard. Some platforms charge a broker fee on completion, or charge for services like protection advice or insurance referrals. We offerfree mortgage advice and a genuinely comprehensive service without any of those add-ons. The same service, start to finish, with no bill at the end.
While the term ‘whole of market’ isn’t always favored in the mortgage industry due to some lenders not working with intermediaries, we at Alexander Southwell Mortgages can assure you that we have access to a comprehensive panel of lenders within the intermediary market. This extensive network enables us to offer competitive mortgage rates, ensuring you get a deal that’s well-suited to your financial needs.
Deciding if life insurance or mortgage protection is worth it boils down to a crucial question: Could you maintain your current lifestyle if you or your partner were no longer around? For most people, the answer is no. The reality is that many clients don’t have the financial cushion to sustain their lifestyle in such circumstances. So, is Life Insurance worth it?
Absolutely! As your expert broker at Alexander Southwell Mortgages, we’re committed to finding the right mortgage protection plan that safeguards your lifestyle and gives you peace of mind.
When our mortgage brokers at Alexander Southwell Mortgages offer advice, we thoroughly assess your entire situation. Sometimes, it might be more beneficial to stay with your current lender, a process known as ‘product switching’. However, it’s always wise to consult with a mortgage broker. Even a slight reduction in your interest rate can lead to substantial savings over time. Therefore, securing the right mortgage deal is crucial, and that’s where our expertise comes into play, ensuring you make the most informed decision for your financial future. It is important for us to get you the best value across the market.
From the moment you book your initial consultation, you'll notice the difference. Our knowledgeable mortgage advisors take the time to truly understand your personal circumstances
After securing the right mortgage deal for our clients, Alexander Southwell Mortgages receives a procuration fee from the mortgage lender once the new mortgage begins. This is great news for our customers, as it means our typical service is fee-free. There’s no cost to you throughout the entire process of finding a suitable mortgage.
This approach ensures that our focus is entirely on your needs, finding you the best deal without any additional financial burden on your part. All in a extremely helpful and friendly manner.
If you are coming to the end of a fixed term, or if you have been sitting on your lender's standard variable rate for a while, now is a great time to explore what else is available.
The mortgage market movesquickly, and a deal that looked competitive two or three years ago might not bethe best option today.We help clients remortgage every day, comparing theirexisting mortgage payments against current deals from across the market.
In many cases, switching to a new mortgage with a different lender can reduce monthly mortgage repayments significantly, freeing up money each month andsaving a meaningful amount over the remaining mortgage term. There can be costs involved in remortgaging, such asearly repayment charges if you are leaving a deal before it ends, or solicitor fees if a transfer of equity is involved.
We factor all of that into ouranalysis so you get a true picture of whether switching makes financial sense.And because we are fee free, our advice on this costs you nothing.