Mortgage Broker in Southampton

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Introducing your Mortgage Broker Southampton

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Vivid Mortgages discuss the role of a Mortgage Broker, how they can help you with your mortgage application and more. 

What is the role of a Mortgage Broker?

A Mortgage Broker is the middle man between the customer and the Mortgage Lender (bank or building society). It’s our job to search the whole of market for you in order to find you the most suitable mortgage deal, the most suitable lender for your personal circumstances. 

Rather than you having to speak to every bank and building society, bearing in mind a broker like ourselves has got access to about one hundred lenders, that would be quite time consuming, we do that for you.

What's the difference between going to a Mortgage Broker and your local high street bank?

Whether you’re looking to remortgage, purchase for the first time or if you’re looking to move home, we are there from the very first conversation all the way through to completion and beyond. 

All lenders vary massively in how they assess you as a potential borrower, so you might go along to your bank or building society, who do an affordability assessment and based on their particular criteria, they may, for example, lend you four times your income. The variables between how much you can borrow between each lender, can be absolutely huge.

The way that lenders assess you as an individual and your income, also vary massively. For example, if you’re a Limited Company Director, some lenders will take into account your salary and your dividends, whereas some will take your net profit into account. So again, you could potentially borrow vastly different figures, depending on the lender that you approach. If you just see your bank or building society, all they will be able to talk to you about is their own deals.

A broker like ourselves deals with these lenders daily, so we know which lenders take which sources of income, which lenders are most suitable for certain job types etc.

What sort of services does a Mortgage Broker offer?

The job of a Mortgage Broker is to gather your information, do the research and make a recommendation about your mortgage. We can tell you which is the more suitable mortgage product for your circumstances, as well as explain why we are recommending a particular lender or product so that you fully understand our advice. 

We can also recommend reputable solicitors to deal with your purchase or remortgage. If you need a survey done on a property, we can recommend surveyors, and we also look at protection. Protection covers the various types of insurance you should consider if you’re looking to take out a mortgage, as it’s important to ensure that, should the worst happen, you are protected financially.

When should I see a Mortgage Broker?

It’s important to speak to a Mortgage Broker as soon as the thought enters your mind about buying a house or remortgaging. A Mortgage Broker will be able to determine how much you can borrow; how much it’s going to cost, the lender you should use, your credit rating, and what documents you’re going to need to have in order to proceed with a mortgage application.

Being prepared is really important, as it means your application is going to be much smoother. This is particularly useful for First Time Buyers.

You're based in Southampton, but can you help somebody if they're based elsewhere in the country?

Absolutely yes! We deal with clients anywhere in the UK, so you don’t have to be local to Southampton or Hampshire. Most of our business is conducted remotely as it’s quicker for the client. We have standard working hours, but we are flexible so can try to help clients outside of those. 

Why is Southampton a popular location to live in and buy property?

Southampton is amazing in terms of property, it can be quite expensive, but property prices tend to hold their value and increase in value, making it a good place to invest. You can get a train into London in about an hour and 15 minutes direct from Southampton Airport to Waterloo. 

There are lovely beaches within a half an hour drive, and it’s located on the edge of The New Forest, which is absolutely stunning. There’s a great shopping centre and amazing restaurants. If you have young children, we’re very close to Peppa Pig world!

When was Vivid Mortgages founded?

Vivid Mortgages was born in August, in the depths of the pandemic. I think the pandemic made a lot of people reflect on what they wanted from life. Both Carly & myself worked together as Mortgage Brokers previously for four years, and had always talked about setting up our own brokerage. So we thought, why not do it?

Carly started her journey as a Mortgage Adviser in 2002 and qualified as an adviser since 2009. Soma has been a qualified adviser since 2004, so both have a lot of experience in the area.

How can I get in touch with Vivid Mortgages?

Make sure that you are really well-prepared if you’re thinking about applying for a mortgage in the near future and speak to an adviser, so you stand the highest chance of being accepted for a mortgage that most suits you and your circumstances. 

We would be delighted to help anyone that wanted to talk to us and needed some advice. You can contact us via the telephone numbers on our contact page or link through to our Facebook page.

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Your Advisers

Carly Breathwick CeMap

You can contact Carly directly by phone or email:

Soma Egan

You can contact Soma directly by phone or email: