A port, university and maritime jobs hub
Southampton's economy runs on its port, cruise terminal and two universities, with Southampton Airport close by. A ready agreement in principle helps you compete for the right home.
How we work with Southampton buyers
No high-street office, just a trusted mortgage broker in Southampton.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
Looking for a mortgage broker in Southampton? City Mortgage Solutions doesn’t have an office in the town centre. What we do have is a whole-of-market advice team who work with Southampton buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that works just as well over a video call.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
What clients say
Local buyers, advised remotely
Rated 5.0 on Google by clients across the UK, including these, who bought without us ever needing to be in the room.
Where our Southampton clients buy
Across Southampton and Hampshire
Select an area to see the kind of buyers we help there. Wherever you are, you get the same advice by phone or video.
Where we help
Town Centre
Marina-side flats and city-centre apartments, popular with professionals and first-time buyers.
Southampton market snapshot
The Southampton market in numbers
A quick read on local prices, useful in a port and university city.
Average sold price~£255kSouthampton
First-time buyer~£200kTypical FTB price
Home-mover average~£320kTypical mover price
Typical flat~£165kTown flats
Indicative averages based on recent local market data. Please confirm current figures with ONS / HM Land Registry before publishing.
The advisers you'll work with
A dedicated team for your Southampton move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Sharon works mostly with home movers and families across Watford and Hertfordshire. More than 20 clients have reviewed her on our site.
WhatsApp
Zoe covers the Dengie Peninsula in Essex and has more than 40 client reviews on our site, the most of any of our brokers.
WhatsApp
Ozge is our Ilford broker, advising local clients on mortgages and protection.
WhatsApp
Chris is our broker in the North West, covering Southport and Merseyside, with 10 client reviews on our site.
WhatsApp
Ganga advises in and around Loughton and has picked up more than 30 client reviews on our site.
WhatsApp
Thorpe Bay is Glenn’s base for mortgage and protection advice. More than 10 clients have reviewed him on our site.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Southampton advice, on your schedule
Three simple steps, jargon translated, and one adviser who stays with you from first call to completion.
1
A free intro call or video
A first flat in Ocean Village or a family move to Bassett? We'll talk through your budget and options, with no obligation and evening slots available.
2
Whole-of-market search
We compare more than 90 lenders, recommend the right one in plain English, and arrange your agreement in principle so you can move quickly in a competitive market.
3
Managed through to completion
We handle the paperwork, chase the lender for updates, and liaise with your solicitor right through to completion across Hampshire.
Local knowledge that matters
Buying in Southampton: what we see in your market
From marina-side flats in Ocean Village to family homes out toward Chandler's Ford, in a port and university city, we factor the local picture into your advice.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
Students, HMOs and rental demand
The University of Southampton and Solent University keep Portswood and Highfield busy with student lets. We arrange buy-to-let and HMO mortgages, in personal names or through a limited company.
Better value than the rest of Hampshire
Southampton's prices sit well below the Hampshire county average, a genuine opening for first-time buyers priced out of Eastleigh and Fareham.
Why use a broker
A single lender shows its range. We show the whole market.
Going direct isn't wrong. It’s one lender’s shelf. See what changes with our advisers on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the wider market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
Common questions
Southampton mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Southampton office, and we advise buyers across the city and Hampshire every week by phone and video. The mortgage market is national, so your lenders and rates are the same as any local broker's; the difference is the quality of advice.
Yes. Most Southampton clients prefer it now. You share documents securely online, book appointments around work including evenings, and deal with the same adviser throughout.
Yes. We advise across Southampton and Hampshire, from marina-side flats in Ocean Village to family homes in Bassett, Highfield and Bitterne, and out to Chandler's Ford. Local prices, property types and demand feed into your advice.
Yes. With two universities and a busy port and maritime jobs market, Southampton has plenty of HMO and rental demand alongside contractors and self-employed buyers. We match complex or rental income to the lender most likely to say yes.
Your first consultation is free and without obligation. Any fee on your case is explained clearly and in writing before you commit.
Typically four to four-and-a-half times income, with deposit, credit and affordability all playing a part. We'll give you an accurate figure and an agreement in principle, usually within a few working days.
Usually within 24 hours, by phone or video and including evenings, so you're offer-ready when the right Southampton home appears.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.