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Our Mortgage Broker Guide to getting a mortgage in Southampton

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

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

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

Mortgage Broker Southampton Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

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.

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.


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.

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

Mortgage Broker Southampton - Recently Completed

  • 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

Mortgage Broker in and around Southampton

Our Southampton mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Eastleigh, North Baddesley, Upton, Cadnam, Lyndhurst, Harefield and Bursledon.

Which banks are local to you?


  • 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

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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.

Southampton Mortgage Broker Insider Tips

Selling your property? Complete all the required property forms and collect all the required information and return it to your solicitor as soon as possible.

As a seller, the best way you can save time in the conveyancing process is by getting all the information your solicitor needs to them as soon as possible – your tasks are 'front-loaded'!

Anyone buying or selling a home firstly has to prove their ID to the solicitor representing them but a seller you have to complete property information and fixtures and fittings forms (as well as a leasehold information form, if relevant) and return them to your solicitor along with your original title deeds and other relevant information.

This may seem a lot to do, but once you've finished these tasks to the best of your ability, your solicitor can fully devote themselves to making the remaining conveyancing process run efficiently.

Our website explains all the forms and information mentioned; a good place to start finding out more is to click on Property Information Form TA6 explained

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

FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.