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

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Whole Market Access

You'll have access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Our mortgage consultants can access exclusive mortgage lending rates which are not available to you when applying direct (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

How to get a mortgage - or remortgage - in Southampton


Southampton is the largest city in Hampshire County and is on the south coast of England. The city, which has a distinguished maritime history, is very close to the New Forest. It hosts Bargate Friday and Saturday Markets and has a premier league football club. It is a major UK port. It has great shopping areas. Southampton Airport offers domestic, EU and international flights. It is also a university city, hosting the University of Southampton, which has a growing international reputation for research.

The mortgage application process has 4 stages regardless of which mortgage lender you use:

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Tip 

Pay off debts with savings

Information about any debt you owe to lenders and institutions can be accessed by other lenders and too much debt held generally lessens your credit score.

It invariably makes sense to pay off debts using your savings; the chances are any returns you make on savings are likely to be smaller than the interest and charges you have to pay for holding debt.
Top Mortgage Lenders 

Bridging Finance

Bridging finance is not strictly a type of mortgage but is often strongly connected to mortgaging. Strictly speaking it is short term – and relatively expensive – funding which is often used to:

  • Bridge the finance gap between selling a property and purchasing another;
  • Help buy dilapidated properties to 'do up'; and
  • Help buy auction properties.
Lenders need to be satisfied that bridging finance can be repaid and normally require lending to be secured against other residential or commercial properties held, whether a first or second charge.

It is normally relatively quick to arrange and is set up on a bespoke basis.
SO32 3QG

Property Price Stats for Southampton


Average property price in Southampton £206,474
% Change compared to last year 5%
Population of Southampton 236,900 (2011)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

RECENTLY COMPLETED MOVES IN Southampton

  • Mandalay, Forester Road, Soberton Heath, Southampton, Hampshire, SO32 3QG
  • 12 Keppel Rise, Centenary Quay, Woolston, Southampton, SO19 9UD
  • 65 Gordon Avenue, Southampton, SO14 6WH
  • 167a Spring Road, Sholing, Southampton, Hampshire SO19 2NU
  • Holly Lodge, Empress Road, Lyndhurst, Hampshire. SO43 7A

Local High Street Banks in Southampton

Find a mortgage lender near you:
Some branches may have closed down - Call 0333 344 3234 for a Mortgage Broker covering Southampton

  • Barclays Bank Plc - 67B Above Bar St, Southampton SO14 7DZ
  • Lloyds Bank Plc - 92 - 94 Above Bar St, Southampton SO14 7DT
  • Natwest Bank Plc - 12 High St, Southampton SO14 2NX

Book a Free Mortgage Broker Consultation
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Best first time buyer mortgage brokers

Mortgage Broker Tips for the Conveyancing Process

By getting your signed documents to your solicitor as soon as possible, you can speed up the conveyancing process in Southampton.

Exchange cannot happen until all of the relevant documentation has been received by the solicitor, including your signed contract, the transfer deed and mortgage deed. 

Sometimes only signed originals of documents can be accepted by your solicitor. Therefore make sure you stay on top of being organised and account for slow postal delivery.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote*
*Fixed Fee – No Sale No Fee – On all Major Lender Panels