Business Details
Trusted Mortgage and Insurance Solutions in Southampton
At Power Mortgages, we are a team of fully qualified mortgage and protection advisors with over 70 years of combined experience in the financial industry. Our primary focus is on delivering tailored mortgage solutions for contractors, freelancers, and self-employed individuals who often face challenges securing traditional financing. We pride ourselves on our deep understanding of the mortgage market and our ability to access exclusive rates and products not available on the high street. Our advisors are committed to providing exceptional customer service, ensuring that each client receives personalized guidance aligned with their unique financial circumstances.Based in Southampton, we offer both local face-to-face consultations and nationwide support via phone, combining expertise with convenience. Our dedication to customer satisfaction is reflected in our extensive client testimonials, which highlight our professionalism, responsiveness, and success in navigating complex mortgage applications. We are directly authorised and regulated by the Financial Conduct Authority, ensuring adherence to the highest standards of conduct and transparency.
Services
Mortgage Advice
Protection Insurance
Contractor Mortgages
Buy to Let Mortgages
Later Life Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Home Insurance
Remortgaging
Highlights and features
- Specialise in mortgages for contractors and freelancers with complex income structures
- Access to exclusive mortgage rates unavailable on the high street
- Personalised service tailored to individual financial circumstances
- FCA-authorised advisors with decades of industry expertise
- Proven success in securing mortgages for clients with non-traditional employment
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Highly recommend
Professional advisors
Stress-free process
Successful completion
Services
Contractor Mortgages
Specialist mortgage solutions for contractors and freelancers facing challenges with traditional lenders. We assess income based on daily or hourly rates rather than standard employment criteria. Our advisors access exclusive products and negotiate competitive rates tailored to temporary employment structures.
Buy to Let Mortgages
Tailored financing for property investors seeking buy-to-let opportunities. We provide expert guidance on tax-efficient limited company structures and access to specialist lenders. Our service includes portfolio management strategies and remortgaging options for growing property investments.
Later Life Mortgages
Mortgage solutions for clients aged 55+ seeking property purchases or equity release. We offer products available up to age 95 with flexible repayment options. Our advisors explain retirement interest-only mortgages and help clients meet later-life financial goals.
Protection Insurance
Comprehensive insurance packages including life cover, critical illness, income protection, and home insurance. We provide holistic financial reviews to determine appropriate coverage levels. Our advisors help clients understand policy terms and select protections matching their mortgage commitments.
Remortgaging
Expert guidance for homeowners seeking better mortgage rates or equity release. We analyse existing deals, negotiate exit fees, and identify competitive market alternatives. Our service ensures seamless transitions while maintaining compliance with current lending regulations.
People
Ashley Wardle
Mortgage Advisor
Specialist contractor mortgage expert with extensive experience in non-standard income assessments. Recognised for resolving complex cases and securing approvals after high-street rejections. Provides transparent advice tailored to temporary employment structures.
Ben Rogers
Broker
Dedicated contractor mortgage specialist known for diligent client support and market knowledge. Successfully arranges financing for self-employed professionals through niche lenders. Maintains strong relationships with specialist mortgage providers to secure competitive deals.
Tom
Senior Advisor
Experienced mortgage professional with expertise in complex cases and self-employed income assessments. Recognised for proactive problem-solving and successful completions in challenging circumstances. Provides strategic advice for first-time buyers and property investors.
Becky
Mortgage Advisor
Client-focused advisor praised for efficient processing and clear communication. Specialises in guiding clients through mortgage applications with timely updates and personalised support. Demonstrates strong problem-solving skills in overcoming lending criteria challenges.
Hannah
Broker
Skilled mortgage professional delivering successful outcomes for clients with unique circumstances. Recognised for thorough application preparation and effective communication with lenders. Provides dedicated support throughout the mortgage completion process.
Questions
Can contractors get mortgages with Power Mortgages?
Yes, we specialise in contractor mortgages using daily/hourly rate assessments. Our advisors access lenders accepting temporary employment structures and help secure approvals where high-street banks have declined applications.
Do you offer mortgages for clients with bad credit?
We work with specialist lenders offering mortgages for clients with CCJs, defaults, or past credit issues. Our advisors assess individual circumstances and present applications to lenders most likely to approve non-standard cases.
What protection insurance options are available?
We provide life insurance, critical illness cover, income protection, and home insurance. Our advisors conduct holistic reviews to determine appropriate coverage levels and explain policy terms in relation to mortgage commitments.
How do later life mortgages work?
We offer mortgages available up to age 95 with flexible repayment options. Our advisors explain retirement interest-only products and help clients meet later-life financial goals while ensuring affordability assessments meet lender criteria.
Can I remortgage my property through Power Mortgages?
Yes, we help clients secure better rates or release equity through remortgaging. Our advisors analyse existing deals, negotiate exit fees, and identify competitive market alternatives while maintaining regulatory compliance.
