Fee Free Mortgage Broker
Alexander Southwell Mortgage Services

You find the home & We’ll find you the loan

Find the best mortgage services with Alexander Southwell. Call us on 03300 432428 to talk with our experienced fee free mortgage broker team, or complete our contact form for a call back.

Fee Free Mortgage Brokers & Advisor Services

How do Alexander Southwell Mortgage Services Provide Fee Free Mortgage Advice? Mortgage advice explained.

Alexander Southwell is a fee free whole of market mortgage broker. We give expert mortgage advice, find the right mortgage for you and do all the hard work to apply for a mortgage – completely free of charge. We do not need to charge you a large broker fee to get a mortgage, we get paid by the mortgage lender after your home purchase or remortgage is completed.

Most mortgage brokers get paid by the lender this way. It’s called a procuration fee or ‘proc fee’.

For insurance products, we’re paid by the insurer when you complete the purchase and your cover starts.

The details of the fees we earn from lenders and insurers are set out in the product information we send you. What we pay our advisers reflects their expertise in finding you the right mortgage or insurance. We do not offer them incentives to pick specific lenders or insurers.

Don't Just Take Our Word For It, Check Out Our Client Reviews . . .


Alexander Southwell Mortgage Services love providing whole of market fee free mortgage advice in Southampton & across the UK.


We believe that any interaction with us will be a positive experience because our mortgage brokers do their best to help you achieve all your mortgage goals!

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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Mortgages in 6 easy steps

Fee Free Mortgage Brokers & Advisors throughout the UK, we get paid from the mortgage lender therefore we do not need to charge any large fee to the customer. So our only motivation is to get you the best mortgage rates and the most suitable mortgage deal for you.

1. Initial Discussion & Fee Free Mortgage Advice

Our friendly fact find process will allow us to understand your goals and objectives. It’s also vital to understand any hurdles to remortgages at this stage. We’ll explain exactly who we are and what you can expect from our mortgage advisors based in our head office in Southampton, Hampshire.

2. Review the mortgage market on your behalf

We get straight to work on finding you the best mortgage rates. We explore the whole of market and look at the mortgage lending criteria for you. We’ll make affordability and credit assessments ensuring the recommendations we make are suitable to your individual needs.

3. Share our mortgage recommendations

We’ll illustrate the facts and figures in an easy to understand presentation, including the best mortgage rates & the overall best mortgage deal for you and the justifications behind the recommendations. We will consider interest rate, stamp duty, whether the lender will charge a fee or be fee free, How long the application process will take.

4. Package & submit a full mortgage application

Our mortgage application submission route is much easier than as ‘in branch’ experience. Why sit through a 2 hour interview with a mortgage advisor at different banks, when we can do this for you! Once you’ve uploaded your documents, we’ll check them against the information you provided earlier. We’ll let you know if anything’s missing or doesn’t match the information you provided, and help you get everything ready for the application. When everything’s in order, we’ll submit your mortgage application to the lender!

We may be in touch if they require any further information, otherwise we’ll simply keep you informed as they consider your application. From application to mortgage offer stage on average takes between 2/3 weeks for the mortgage lenders to issue this.

5. Get protected

While your lender’s reviewing your application, it’s time to make sure you can still pay your mortgage if the unexpected happens so you’re protected against losing your home. It’s a tough one to think about, but you might get too ill to work, for example. Your mortgage broker will be in touch to make sure you have enough mortgage protection for: Long term sickness and disability, life threatening critical illness, early death (Life Insurance), and unemployment.

6. Oversee the process to mortgage completion

If solicitors are introduced, don’t worry. We’ll assist you with their paperwork and we can talk to them on your behalf. We’ll act as the middleman right through to mortgage completion.

Contact Specialist Mortgage Broker
Key Worker Broker

Mortgage Services FAQs

One of the biggest benefits of working with a broker is the simplification of the market comparison and application processes and help you find the right mortgage. Once you have provided your broker with a few basic details, they will typically handle most of the subsequent complexities on your behalf. Working with an independent broker also means gaining access to honest and impartial information, which is rarely available directly from a bank or lender. Brokers can also provide access to exclusive deals you won’t find on the High Street, often from lenders that do not work directly with the public.

  • Expertise – An experienced and reputable broker can also help you choose from the various mortgage products and home loans available, ensuring you make the right decision to suit your requirements and your budget.
  • Simplicity – The job of the mortgage broker is to do most of the hard work on your behalf, comparing viable and competitive deals from as many lenders as possible to find your perfect mortgage.
  • Impartiality – With no direct ties or exclusive affiliations with major banks or lenders, independent brokers are free to offer 100% honest and impartial advice for the benefit of their clients.

This is forever changing, lenders regularly change the mortgage products they offer. The excellent news is though, we are whole of market: Being independent and whole of market means we have access to every interest rate and deal on the market in the UK. This includes all high-street lenders such as Halifax, Barclays, Nationwide, Santander, Natwest and many more. Whatever your situation, we will help you achieve your best available mortgage interest rate and deal. We give the best mortgage services advice and guidance suited to your situation and the best available rates and deals. Our team of advisers will complete everything for you whilst supporting you every step of the process.

We are your online & face to face mortgage brokers offering a customer-focused service that is fee free!

While it can seem like a trickier process, self-employed people can still successfully apply for a mortgage. Make sure you’re prepared with at least two to three years’ of financial documents as this is the amount some lenders will require. Keep your personal and professional bank accounts separate, and registering for the electoral roll can help lenders to confirm your identity.

As always, it’s important to consider any personal and future circumstances when securing a mortgage, and seek professional advice to ensure you’re aware of the options, our mortgage services team is here to guide you through the whole process and help you get your dream property.

 

There are different levels of approval throughout the process of getting a mortgage agreed so it depends what part of the process you are in. After speaking to our mortgage consultant we can take you through every step to all three of these agreed for you:

  • Affordability Check - Some clients are at the very beginning of their mortgage application process, therefore they might not currently have saved the correct deposit or be in a positions to move forward. We can offer a basic affordability check and provide further information to clients to let them know what they need to do and where they need to get to, to get them mortgage ready.
  • An agreement in principle can be obtained instantly in some circumstances but usually will take a few hours if needed that fast. This is where we gather all of the relevant information from yourself, search the mortgage market, find a suitable lender who fits with your affordability and then run through the lenders credit checking system to make sure this fits with there criteria. Once this has been done the lender will issue us with a certificate stating the amount you can borrow in principle. This puts you in a perfect position to find a property and start negotiations with the estate agent.
  • Mortgage Offer is where both you and the property you are purchasing have been approved by the lender. We have discussed your monthly payment, insurance protection and found the right mortgage for you. Approval requires a valuation to be conducted on the property and this whole process on average will take 2/3 weeks. Each application is different though, it doesn't matter whether you are a first time buyer, home mover or buy to let investor, some applications take 1 week and some can take up to 4 weeks depending on the full situation.

Yes, our brokers have a wealth of experience in a range of Mortgage types including in the increasingly popular buy to let Mortgage. See our Buy to let mortgage page for more information.

Lenders often talk about the LTV requirement. LTV is an acronym for Loan to Value Ratio. This is a term used to describe the ratio of a loan to the value of the property purchased. For example, if you borrow £255,000 to purchase a property valued at £300,000 the LTV is 255,000/300,000 or 85%, the remaining 15% is your equity.

Typically the list of fees could include:

  • Valuation fee – charged by the lender to value the property and generally paid up front with your application
  • Solicitors fees – charged by the solicitor to complete the conveyancing transactions on the property. Part of this is paid up front when the solicitors are instruction but the remainder is paid upon completion.
  • Stamp duty land tax – a tax levied by the government on any property purchase in England or Northern Ireland above £500,000 (This stamp duty holiday lasts until 31st March 2021).
  • Lender arrangement fees – charged by the lender for arranging the loan. This can be added to the loan in most circumstances but will therefore increase the size of the loan.
  • Booking fee – charged by the lender for booking the funds for your mortgage and typically charged up front with your application
  • Broker fees – Some brokers will charge a fee, as much as 1% of the whole mortgage. we are a Fee Free broker so you do not have to worry about this at all!

The Financial Conduct Authority is a financial regulatory body in the United Kingdom, but operates independently of the UK Government, and is financed by charging fees to members of the financial services industry. All brokers registered in England are authorised and regulated by the Financial Conduct Authority (FCA).This is for the customers protection and to guarantee that the service and mortgage advice level is sound.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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