Business Details
Trusted Mortgage Brokers in Southampton
Established with a commitment to providing impartial mortgage advice, we have dedicated ourselves to helping clients navigate the complex landscape of home financing. Our team brings decades of combined experience, leveraging relationships with over 100 mortgage lenders to secure tailored solutions for residential and commercial clients. Specialising in both conventional and non-conforming mortgages, we prioritise transparency, offering clear guidance on fees and processes while maintaining professional indemnity insurance.Our approach combines technical expertise with personalised service, ensuring clients receive competitive rates and comprehensive support throughout their mortgage journey. Recognised for excellence through industry awards and consistently praised in client testimonials, we remain committed to delivering value-driven financial solutions.
Services
Mortgage Quotations
Residential Mortgages
Portfolio Landlords
Commercial Mortgages
Mortgage Repayment Calculator
Highlights and features
- We offer 50 years combined mortgage industry experience with FCA authorisation
- Our team accesses 100+ mortgage products including exclusive non-conforming lender deals
- We provide transparent fee structures with minimum arrangement fees disclosed upfront
- Our clients benefit from professional indemnity insurance coverage
- We maintain industry recognition through consecutive NACFB Commercial Broker Award shortlistings
Associations and certifications
- Financial Conduct Authority
What people say
Professional mortgage advice
Knowledgeable and helpful
Saved hundreds per month
Recommend to friends
Excellent service
Services
Residential Mortgages
We specialise in residential mortgage solutions, helping first-time buyers and homeowners secure competitive rates through comprehensive market analysis. Our FCA-regulated advisors assess individual financial situations to recommend optimal repayment structures while maintaining professional indemnity coverage.
Commercial Mortgages
Our commercial mortgage service caters to property investors and business owners seeking financing for retail, office, or industrial properties. With access to specialist lenders, we negotiate terms that align with business cashflow requirements and growth strategies.
Portfolio Landlords
We provide tailored financing solutions for property investors managing multiple buy-to-let properties. Our expertise includes navigating complex tax structures and securing competitive rates for portfolio landlords with diverse property holdings.
Mortgage Quotations
Our quotation service offers detailed comparisons across 100+ mortgage products, including exclusive non-conforming lender deals. Clients receive transparent breakdowns of rates, fees, and repayment terms to inform decision-making.
Non-conforming Mortgages
We facilitate mortgages for clients with non-standard financial circumstances through specialist lenders. This includes self-employed individuals, those with credit challenges, or unique property types requiring bespoke financing solutions.
People
Jonathan Smith
Principal Mortgage Adviser
With over 50 years combined experience, Jonathan specialises in residential and commercial mortgage solutions. He maintains industry recognition through consecutive NACFB award shortlistings and client testimonials praising his expertise and accessibility.
Kim Baker
Senior Mortgage Adviser
Having worked alongside Jonathan for 25 years, Kim provides expert guidance on mortgage applications and lender negotiations. Clients consistently commend her professionalism and thorough understanding of complex mortgage requirements.
Questions
What mortgage services do you offer?
We provide residential, commercial, buy-to-let, and non-conforming mortgage solutions with access to 100+ lenders including exclusive deals unavailable to the public.
How are your fees structured?
Our minimum mortgage arrangement fee is £350, with all costs disclosed upfront. We often recover fees through lender commissions where possible.
Are you regulated by financial authorities?
Yes, we are authorised and regulated by the Financial Conduct Authority (FRN 125272) with professional indemnity insurance coverage.
How do you find competitive mortgage rates?
We compare products from major banks, regional lenders, and specialist non-conforming providers to secure optimal rates tailored to your financial circumstances.
Can you help with urgent mortgage requirements?
While we prioritise all clients, we recommend early engagement as mortgage processes require careful documentation and lender coordination.
Reviews (2)
Delyse Smith
Oct 16, 2020
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Fantastic professional service given by Jonathan Smith and Partners in my dilemma of obtaining a mortgage to suit my needs, Thank you
Aaron Hewlett
Sep 09, 2019
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I couldn't recommend Jonathan highly enough. He makes the process of applying for a mortgage straightforward and easy. I wouldn't hesitate to use him again and will be recommending him to my friends.
