at Hatch Mead, Southampton, SO30 3NE United Kingdom
Whole of Market mortgage brokers
We are a Southampton based mortgage brokers offering 'Whole of Market' mortgage 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, 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. Please feel free to contact us to discuss any requirements you may have. The mortgage consultations will be free, however there may be a fee charged on application. The exact amount will depend upon your circumstances but we estimate it will be £395.00 Top Mortgage Solutions is an Appointed Representative of Mortgage Next Network Limited which is authorised and regulated by the Financial Conduct Authority reference number 300866 in respect of mortgage and insurance mediation activities only. Top Mortgage Solutions is authorised and regulated by the Financial Conduct Authority in respect of consumer credit activities.
18 FB users likes Top Mortgage Solutions, set it to 11 position in Likes Rating for Southampton in Bank/financial services category
Ok I'm impressed, new business cards have arrived in record time, first time I have used this company and all I can say is the quality is amazing, double sided, laminated, and 500 for a great price. Thank you Minuteman Press in Southampton, use these guys :) Nothing about mortgages in this mention but hey I was impressed :)
AMI: Brokers will take 75% market share within 5 years Direct-only is in “decline” and will see brokers writing 75 per cent of all mortgages within five years, says Association of Mortgage Intermediaries chief executive Robert Sinclair. Sinclair’s prediction comes after a spate of lenders opting to enter the broker market in the past five months. Since May, the Post Office and HSBC have decided to enter the broker market, as revealed by Mortgage Strategy. Further, Mortgage Strategy this week revealed TSB will enter the broker market in December and that Tesco Bank is eyeing a launch into the broker market. Sinclair says: “I think we will see direct-only distribution continue to decline from this point. With Lloyds announcing branch closures, that’s the start of another period of those but I think banks will continue to have a number of super-branches where they will try to advise on mortgages but there will be fewer of them. “We will see smaller lenders becoming 100 per cent intermediated and I think we could see brokers take 75 per cent of the distribution market share within four or five years.” The latest FCA product sales data shows that brokers had a 57 per cent share of mortgage sales in the first quarter of 2014, although this was before the implementation of the MMR which saw most non-advised sales banned. The proportion of broker sales is expected to grow as lenders struggle with offering advice. Brokers say the MMR has made lender realise their value. Middleton Finance managing director Daniel Bailey says: “I think lenders have realised that brokers are crucial to their market now, especially with MMR. The majority of people have to receive advice and these partnerships between HSBC and Countrywide, or TSB and London & Country, reflect that. “There is a lot of work in processing a mortgage now and these partnerships may be a cost-exercise for lenders, whereby we as brokers can do all of that for them and probably a lot more efficiently than the lenders can in-house. Ultimately, it’s a positive change for consumers.” Neil Soundy Financial Services managing director Neil Soundy says: “I would say there’s never been a better time to be a broker, and that is only confirmed by the fact that the likes of HSBC – who have so strongly resisted entering the broker market over the years – and TSB launching partnerships with brokers. “Since MMR, obviously the focus has been placed on the advice customers receive and it’s very pleasing to see that pretty much all the lenders are recognising the work we do and the importance of our role in the market.” Source - Mortgage Strategy
Great news that the property market is moving, however estate agents are tending to employ conditional selling as in not putting an offer forward unless the buyer see thier mortgage advisor!! WRONG AND NOT ALLOWED!! Here is the wording form The Property Ombudsman to estate agents... By law you must not discriminate, or threaten to discriminate, against a prospective buyer of the seller’s property because that person declines to accept that you will (directly or indirectly) provide related services to them. Discrimination includes but is not limited to the following: ● Failing to tell the seller of an offer to buy the property. ● Telling the seller of an offer less quickly than other offers you have received. ● Misrepresenting the nature of the offer or that of rival offers. ● Giving details of properties for sale first to those who have indicated they are prepared to let you provide services to them. ● Making it a condition that the person wanting to buy the property must use any other service provided by you or anyone else. Don't let the agent force you into a situation you do not want to be in.
House prices rise 3.8% in a year.... House prices have risen 3.8 per cent in the year to September, according to the latest house price index from LSL Property Services/Acadametrics. Prices has risen £8,526 in the past year to £235,534 in September and rose 0.5 per cent between August and September. Over the past 12 months, the average house price has increased on eleven occasions, with only May 2013 seeing a minor fall. But of all of the regions in the UK, only London and the South East have recovered to levels beyond their previous peaks. The average price of a home in the South East is now £278,620 – £1,000 higher than the previous peak set in February 2008. In the past three months, only Wales has suffered a fall in its average house prices. LSL Property Services commercial director David Brown says: “The return of the first-time buyer has triggered a ripple of activity all the way up the housing ladder. It is starting to unclog the blockage at the bottom end of the market, which is helping make the whole system more fluid. “Demand has increased significantly in a short space of time, and raced ahead of the supply of homes, which is causing house prices to rise. Think of it as shaking up a can of coke. When it is opened, you get the fizz, froth and overflow. Then it flattens out again. That’s what we’re seeing with the housing market.” Source 'Mortgage Statregy 11/10/13'
How embarrassing!! Our client didn't know we could organise life insurance to protect her children without having a mortgage involved!! Luckily she called us to check the paperwork an online company had offered and we stopped her making a mistake and saved her 40% per month on her premiums with exactly the same insurer. Remember guys if you need any kind of insurance for your mortgage or family check with us first. Have a great weekend everyone... :)
That's what we call efficient, mortgage applied for last Monday, survey booked on the Tuesday, mortgage offer by the Friday, the best bit is we received confirmation today thanking us for the case and they will hope to respond soon...I think we were meant to get that letter first :) One happy client
Congratulations to our clients Mr & Mrs Holman all the way over in Bexhill on sea, East Sussex on the completion of your re-mortgage, I hope all the building works go well, don't forget to tag us in your pictures, we need to see the finished product and the mess in between too :)