How many mortgage brokers are in Southampton?

48 FCA-regulated firms are listed for Southampton. Common focus areas include Buy-to-Let, Commercial, Adverse Credit, Ltd Co, Bridging.

Why use a mortgage broker in Southampton instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Southampton often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.

What does mortgage advice typically cost in Southampton?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Southampton?

Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Southampton with adverse credit?

Often yes. Southampton has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Southampton, South East

Q: What do typical property prices look like in Southampton?

The average price in our data is £233,920 (down 3% year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

About Southampton

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Southampton
#	Broker	Verified	Rating
1	Cleerly	Unverified	5.0 (191)
2	Police Mortgages	Unverified	5.0 (61)
3	One Bridging Loan	Unverified	5.0 (8)
4	Corinthian Mortgage Solutions Ltd	Unverified	5.0 (7)
5	Go Mortgage Financial Services	Unverified	5.0 (23)
6	Mortgage Scout Ocean Village Mortgage Broker	Unverified	5.0 (1)
7	Your Finance Today Limited	Unverified	5.0 (97)
8	Blue Stone Financial Services Ltd	Unverified	5.0 (38)
9	Mortgage Decisions Bishops Waltham	Unverified	5.0 (16)
10	GoMortgageFS	Unverified	5.0 (23)

Local snapshot

Southampton (South East) lists 48 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £233,920 — down 3% year-on-year.

The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.

What local advisers focus on

Together they cover Buy-to-Let, Commercial, Adverse Credit, Ltd Co, Bridging, Development — useful whether you are buying for the first time, remortgaging, or building a buy-to-let portfolio.

Quick answers

How many mortgage brokers are in Southampton?: 48 FCA-regulated firms are listed for Southampton. Common focus areas include Buy-to-Let, Commercial, Adverse Credit, Ltd Co, Bridging.
What do typical property prices look like in Southampton?: The average price in our data is £233,920 (down 3% year-on-year). The South East market was flat in 2025, with prices unchanged year-on-year. Proximity to London means the region tends to follow the capital's trends, though commuter towns have shown slightly more resilience.
Why use a mortgage broker in Southampton instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Southampton often know which underwriters are comfortable with nearby property types and survey quirks. Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.
What does mortgage advice typically cost in Southampton?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Southampton?: Confirm FCA regulation on the register, match specialisations to your case (Buy-to-Let, Commercial, Adverse Credit), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £233,920.

Annual movement about 3% (falling).

Mix of home types (averages)

Detached: £412,160
Semi-detached: £307,997
Terraced: £248,810
Flats: £153,577
First-time buyer purchases: £208,977

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 48 firms side by side. 2 show 10+ years trading history.

Collective review score is 4.9/5 across 43 brokers with ratings — use it alongside specialisms and fee transparency.

Strongest demand on our list is for Buy-to-Let, Commercial, Adverse Credit, Ltd Co. Commercial and development lending options appear on the roster — useful if you are outside vanilla residential.

Street-level detail

Flat prices create opportunities for first-time buyers to negotiate. Brokers familiar with local lenders who understand commuter-belt property values can often secure better terms than high-street banks.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Southampton is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Southampton

Directory snapshot — Southampton

Need help choosing a broker?

Top 10 mortgage brokers in Southampton

Cleerly

Police Mortgages

One Bridging Loan

Corinthian Mortgage Solutions Ltd

Go Mortgage Financial Services

Mortgage Scout Ocean Village Mortgage Broker

Your Finance Today Limited

Blue Stone Financial Services Ltd

Mortgage Decisions Bishops Waltham

GoMortgageFS

More areas in South East

Explore Postcode Districts Near Southampton

Market data for Southampton

Market data panel