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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

  • 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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Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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FREE mortgage consultations for Southampton

Mortgage Brokers Southampton offering free first consultation (terms apply).

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Fast mortgage appointments

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

Independent Mortgage Broker

Impartial Mortgage Advice

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? Consider ordering your own local authority search

  • One of the conditions that a lender imposes on a buyer buying a property with a mortgage is that the buyer must purchase a local authority search. Additionally, cash buyers often buy this search for their own peace of mind.

  • The local authority search takes the longest to be returned; anything from 1 week/10 days to 6 weeks and beyond sometimes. 

  • A seller can therefore pre-empt this by buying their own local authority search, which they can then sell onto a prospective buyer.

  • They also benefit by being notified of any planning orders etc.

Click to order your Local Authority Search
Conveyancing Process
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