• Bad Credit Mortgages
• Equity Release Mortgages
• Self-Employed and Contractor Mortgages
• Mortgage Broker
• Mortgage Advice
• Remortgages
• Help to Buy mortgages
• Home Movers

Our Story

We are a Southampton based mortgage brokerage offering mortgage & protection advice locally and across the UK.
Focusing on the ethos of 'Treating Customers fairly' we offer all kinds of mortgage's to include:
First Time Buyers,
Home Movers,
Contractor Mortgages,
Equity Release / Lifetime Mortgages,
Further Advances,
Re-mortgages for residential purposes,
Buy to Let,
Let to buy,
Commercial Finance & much more.

Even if it is just advice you are seeking, please feel free to contact us as all of our consultations are free
and come with no obligation.

We also offer products that protect your property and family alike with products to include,
Life Insurance,
Critical Illness cover,
Income Protection,
Buildings Insurance,
Contents Insurance,
Landlords Policies.

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to al directly with the Financial Ombudsman Service).

Top Mortgage Solutions Limited is an Appointed Representative of Mortgage Next Network Limited which is authorised and regulated by the Financial Conduct Authority under number 300866 in respect of mortgage, insurance and consumer credit mediation activities only.

Registered Address: 30 Bluestar Gardens, Hedge End, Southampton, SO30 2UZ. Registered in England & Wales under number 9559975.

Are you struggling to obtain a mortgage.

What is An Adverse Credit Mortgage?
An “adverse" credit mortgage or “bad credit" mortgage is when you have had issues with your credit history which may make it harder for you to get a mortgage and can include:
CCJs,
IVAs,
Bankruptcy,
Defaults,
Debt Management Plan,
Missed or Late Payments.
Here at Top Mortgage Solutions we understand that it can be difficult to find a lender willing to provide mortgage for bad credit, but with the help of our specialist advisers, you could get access to mortgage lenders that specialise in assisting those with adverse credit history.
Whether you are a first time buyer or a homeowner looking to move or remortgage, we will search a comprehensive range of mortgage lenders to ensure you get the very best mortgage for your circumstances. Our team of dedicated professionals will always be on hand with their expert advice to help you find the right mortgage and guide you through the whole process.

Equity Release or Lifetime mortgages for the over 55's

What is Equity Release?
An Equity Release mortgage enables those that are, or soon to enter retirement an ability to access cash that is tied up in their property. So if you are
aged 55 or over,
living within the UK mainland or in Northern Ireland and
own or are purchasing a home worth at least £70,000 it may be possible to apply.
The good news is that the monies released are Tax Free and can be used as you see fit. For example:
to repay your current mortgage, reducing your monthly outgoings,
to pay off those loans and credit cards allowing more financial freedom,
for those home improvements or repairs you have always wanted to do
or for that holiday of a lifetime.
Following the release of equity, the plans then run for the rest of your life, hence the Lifetime Mortgage tag and the loan is repaid out of the future sale of the property. For example, if you're applying as a couple, when the surviving partner is admitted into long term care or sadly passes away.

Are you self-employed and / or a contractor?

At Top Mortgage Solutions we have access to a broad range of self-employed mortgages provided by large high street banks as well as smaller banks and building societies and specialist lenders therefore recommend making us your fist call for Self-Employed Mortgage advice.
Mortgages for the self-employed have become increasingly difficult over recent years so mortgage lenders have had to adjust. Whilst a few still require a minimum trading period of three years others have adapted and utilise self-employed income in a variety of ways to include:

2 years trading,
1 year trading,
Use of net profits for the sole trader,
Utilising PAYE and Dividends,
Considering retained profits,
Use of day rate for calculating contractor mortgages.

Our advisors at Top Mortgage Solutions have years of experience in assisting the self-employed in obtaining mortgages so recommend contacting us first to ensure you are given the right advise for your situation from across a comprehensive range of self-employed mortgage providers.

Trading Since

2006

Find Us

SO30 2EA