Local Mortgage Advisers in Southampton

Our local mortgage experts can help you release equity or re-mortgage your home. This solution is ideal if you're thinking of building an extension to your home or if you need extra funds available for an extraordinary life event. Moneysprite's mortgage specialists will help you get the money you need in the most affordable way possible.

If you're looking for financial advice for any mortgage enquiries, please contact us directly by calling 0345 450 4660, or quickly email us at enquiries@moneysprite.com and we’ll get right back to you. Alternatively, take a look at our list of partner offices in and around the Southampton region to find the nearest office to you.

Southampton has firmly established itself as one of the most friendly and diverse places in the UK and it’s easy to see why. For single and married professionals it offers great travel connections via train and air which is unmatched anywhere else in the region. Its busy port area is one of the largest in Britain and the maritime economy it generates provides a significant contribution to the national economy.

The heritage and versatility of Southampton is its greatest strength and those living in the area make the most of the cultural offerings available. From sport venues and art galleries, through to museums and a thriving nightlife, the city continues to go from strength to strength with every passing year.

We’re proud of the many mortgages we’ve provided in Southampton, helping residents both old and new to find the home of their dreams. Whether it’s new build apartments and flats or traditional townhouses and family homes, Moneysprite understands the importance of finding the right deal to suit your lifestyle. Get in touch today to find out how we can help you too.

Our mortgage advisers in Southampton can assist with a variety of mortgage types including:

Residential Property Mortgages

Our team advises on and brokers residential mortgages, including for first-time buyers and home movers who may be climbing the property ladder or even downsizing. Many clients ask us whether they should consider a fixed-term mortgage or variable rate product. This is best discussed with your broker based on personal preferences and long-term objectives.

To find the right deals, we search the whole mortgage market for first charge mortgages and, through industry connections, we can sometimes access residential mortgage deals or mortgage discounts that you won’t be able to find on your own. These are some of the ways we’re committed to putting our clients first and saving them money when possible. Of course, that’s also applicable to homeowners simply wishing to remortgage to a better deal.

Investment Mortgages

Our advisers offer investment mortgage services. We can help you understand the buy-to-let mortgage market and identify the most suitable mortgage options for your investment needs or wider property portfolio. The buy-to-let mortgage market can be somewhat more complicated than the residential market, with different deposit requirements and other criteria, but our experts always ensure you fully understand each product they recommend before you apply. As qualified financial advisers, we can even discuss tax-efficient strategies when it comes to securing investment property, including any drawbacks to alternative acquiring options.

Equity Release Mortgages

Our team are also qualified to provide equity release advice on related products like a lifetime mortgage or Home Equity Line of Credit (HELOC). These are two products which allow senior homeowners to borrow against their mortgage-free property with no monthly repayments needed. The debt is only repaid if the homeowner sells the property or it is taken from their estate when they pass away. Equity release used to have a poor reputation but steps have been taken to provide more reassurance to homeowners and their families. Our advisers can discuss the pros and cons to ensure you make an informed decision on these financial options.

Commercial Mortgages

Finally, our Southampton mortgage advisers provide commercial finance support and brokering. If your business requires funding to purchase commercial property, you may wish to consider Moneysprite’s commercial lending brokering services. All areas of our work are provided with fully personalised services and cover all stages of the lending process. We provide ongoing support from your initial consultation until your loan product is secured, including tailored support when handling any document requests and overcoming application hurdles.