Business Details
Your Trusted Mortgage Broker in Lymington
Established with a commitment to ethical mortgage advice, Independent Mortgage Solutions was founded by Simon Upton to address gaps in client-centric service within the industry. Our approach prioritises long-term relationships over transactional interactions, supported by extensive product knowledge and partnerships with major lenders. We serve diverse clients including first-time buyers, property investors, and professionals in legal and financial sectors. Our London office caters to City-based clients, while our New Forest headquarters maintains a personal touch through annual reviews and proactive communication.We adhere to strict regulatory standards under FCA authorisation, ensuring transparent, impartial advice tailored to individual needs. Our reputation for reliability has been built through word-of-mouth referrals and professional introducer partnerships, reflecting our core principle of treating clients as individuals rather than numbers.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Commercial Mortgages
Remortgaging Services
Self-Employed Mortgages
Let to Buy Mortgages
Mortgage Protection
Equity Release
Mortgage Market Review Compliance
Professional Client Services
Highlights and features
- We treat clients as individuals, not numbers
- Access to exclusive mortgage rates through major lender relationships
- Specialist knowledge for legal and financial professionals
- Proactive annual reviews to optimise mortgage terms
- FCA-regulated impartial advice with no pressure sales
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Personalised service
Market expertise
Proactive communication
Exceptional client care
Reliable partner
Services
First Time Buyer Mortgages
Specialist guidance for first-time purchasers navigating the mortgage process. We explain options clearly while securing competitive rates through lender relationships. Our service includes affordability assessments, deposit strategies, and application support tailored to individual financial circumstances.
Buy to Let Mortgages
Comprehensive advice for property investors at all portfolio stages. We access specialist products with favourable terms for landlords, providing cashflow analysis and tax-efficient structuring. Our service supports both small-scale investors and large portfolio holders with strategic remortgaging opportunities.
Commercial Mortgages
Tailored financing solutions for business premises and investment properties. We connect commercial clients with lenders offering flexible terms for acquisitions, developments, or refinancing. Our expertise includes complex cases requiring bespoke structuring and specialist lender negotiations.
Mortgage Protection
Integrated insurance solutions to protect mortgage commitments against life's uncertainties. We advise on life cover, critical illness, and income protection policies that align with individual risk profiles. Our approach ensures appropriate coverage without unnecessary products, maintaining affordability while safeguarding investments.
Professional Client Services
Specialist mortgage advice for legal and financial sector professionals. We understand complex income structures and high-net-worth requirements, offering discreet service with access to exclusive products. Our experience with barristers, accountants, and bankers ensures tailored solutions meeting sophisticated financial needs.
People
Simon Upton
Director
With over 15 years in mortgage broking, Simon founded the company to address gaps in client-focused service. He leads with a commitment to ethical advice, leveraging extensive lender relationships to benefit clients. His expertise spans residential and commercial mortgages, with particular focus on professional clients.
Shelley Powell
Mortgage Adviser
Certified mortgage adviser specialising in first-time buyer schemes and complex cases. Shelley combines technical expertise with clear communication, guiding clients through the mortgage process with patience and precision. She maintains strong relationships with major lenders to secure optimal rates.
Questions
What mortgage types do you offer?
We provide residential, buy-to-let, commercial, and specialist mortgages including let-to-buy and equity release products.
How are you different from other brokers?
We prioritise long-term relationships through annual reviews and proactive communication, treating clients as individuals rather than numbers.
Do you work with professional clients?
Yes, we specialise in serving legal and financial professionals with complex income structures and high-net-worth requirements.
Can you help with mortgage protection?
We offer integrated insurance solutions including life cover, critical illness, and income protection tailored to mortgage commitments.
Are you FCA regulated?
Yes, we're authorised and regulated by the Financial Conduct Authority under registration number 457420.
How do you handle remortgaging?
We proactively review your mortgage six months before rate expiration, comparing existing lender offers with market alternatives to secure optimal terms.
Reviews (7)
Yong Chong
Dec 23, 2021
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Positive:Professionalism
Independent Mortgage Solutions were exemplary. Following a recommendation from a friend, I had the upmost of confidence. All professionals was attentive, empathetic and guided us to our beautiful home. Thank you for your kind support and professionalism
Independent Mortgage Solutions were exemplary. Following a recommendation from a friend, I had the upmost of confidence. All professionals was attentive, empathetic and guided us to our beautiful home. Thank you for your kind support and professionalism
Malcolm Mitchell
Nov 13, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Being self employed and over 50 I doubt I could ever have secured such a good and competitive mortgage without Independent Mortgage Solutions. Also takes all the hassle out of trying to deal with lenders directly!
Being self employed and over 50 I doubt I could ever have secured such a good and competitive mortgage without Independent Mortgage Solutions. Also takes all the hassle out of trying to deal with lenders directly!
Heather Stride
Nov 01, 2021
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I just wanted to say how hugely grateful I am to you for sourcing and enabling my loan. Thanks so much to you and Annie for your patience and support. And actually for giving sound advice to my son and daughter aswell. We really appreciate it. Heather
Emma-Louise Garrett
Oct 06, 2021
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Simon is a fantastic mortgage consultant, his knowledge of the whole market and products available is unrivalled. Very responsive team with emails and calls answered quickly. A good mortgage rate secured and offer in place very quickly. Buying a house is a stressful process but the team made it so easy for me, even arranging my home insurance at a very competitive rate. I would not hesitate to recommend these guys. Thank you Simon and all the team at Independent Mortgage Solutions!
Edgey
Oct 02, 2021
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I would highly recommend Independent Mortgage Solutions. The team looked after us all the way through our purchasing process. Any problem/question we had, Simon and Annie were always there for us. They are responsive, professional, they looked after us, made the house buying process less stressful and set us up with amazing deals. I will be using them again in the future for any of the services they offer. If you are hesitant, dont be, I have nothing but good things to say about this team.
Catherine Dashwood
Sep 22, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Cannot thank Simon and Annie enough for such a great service in providing our mortgage for us. We were kept in the loop all the way through with very quick response time. Will definitely be using them again, although hoping not to move for some time yet!!!
Cannot thank Simon and Annie enough for such a great service in providing our mortgage for us. We were kept in the loop all the way through with very quick response time. Will definitely be using them again, although hoping not to move for some time yet!!!
Tom Belcher
Aug 28, 2021
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Positive:Professionalism,Responsiveness
Fantastic experience dealing with Simon, Annie and the rest of the team. Extremely professional and always quick to respond to any questions that we had. Made buying our first property so much easier!
Fantastic experience dealing with Simon, Annie and the rest of the team. Extremely professional and always quick to respond to any questions that we had. Made buying our first property so much easier!
