Alexander Southwell Mortgages

Our approach at Alexander Southwell Mortgages combines independent lender research with individual attention throughout the mortgage process. We recognise that purchasing property, changing homes or restructuring existing borrowing involves decisions that extend beyond comparing headline interest rates. Working from Romsey, Hampshire, we advise customers throughout the UK and assess products from over 100 mortgage lenders. Our expertise encompasses first-time buyer mortgages, home mover applications, remortgages and buy-to-let finance. We additionally provide guidance for self-employed borrowers, including contractors and limited company directors, and for applicants considering new-build homes, shared ownership or key worker schemes.

Every enquiry begins with an assessment of your financial position, borrowing expectations and plans for the future. Our advisers explain the relevant lending criteria, available rates, mortgage terms and anticipated monthly repayments before discussing suitable recommendations. We subsequently coordinate the application, communicate with the lender and liaise with solicitors where required. Customers can consult us remotely from anywhere in the country, while appointments in person are available around Romsey and Southampton. Most clients pay no fee for our advice, as the selected lender remunerates us. Exceptions include loans below 100,000, subject to 299 payable after an offer, and certain specialist applications, for which fees can reach 995. These costs are disclosed before proceeding.