Business Details
Trusted Mortgage Brokers in Southampton
Impartial Mortgage & Protection has been providing independent mortgage and insurance brokerage services across the South of England for many years. Our CeMap-qualified advisers offer tailored advice, leveraging advanced research tools to compare products from the entire UK market. As an Appointed Representative of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority, we prioritise transparency, client-centric service, and compliance with regulatory standards.Our fee structure is clear, with no charges for most mortgages over 100,000, and we specialise in residential, buy-to-let, and remortgage solutions. With offices in Southampton and serving locations including Basingstoke, Bournemouth, and Portsmouth, we combine local expertise with nationwide coverage to deliver reliable, impartial guidance.
Services
Residential Mortgages
Buy to Let Mortgages
Remortgages
Commercial Mortgages
Bridging Finance
Development Finance
Life Insurance
Income Protection
Home Insurance
Landlords Insurance
Highlights and features
- We are independent and regulated by the Financial Conduct Authority
- We offer tailored mortgage advice with whole-of-market access
- We search the entire mortgage market to find the best deal for you
- We don't charge fees for most mortgages over 100,000
- Our team consists of CeMap-qualified mortgage specialists
Associations and certifications
- Financial Conduct Authority (FCA)
Services
Residential Mortgages
We arrange residential mortgages for first-time buyers, home movers, and those seeking to remortgage their properties. Our CeMap-qualified advisers compare products from across the UK market to find suitable solutions. With expertise in fixed-rate, tracker, and flexible mortgages, we provide tailored advice to meet individual financial circumstances and homeownership goals.
Buy to Let Mortgages
Our buy-to-let mortgage service caters to property investors seeking rental income opportunities. We offer guidance on portfolio management, financing options, and market trends across Hampshire and Dorset. While these mortgages remain unregulated by the Financial Conduct Authority, we ensure transparent explanations of terms and conditions to support informed investment decisions.
Remortgages
We specialise in remortgaging solutions to help clients secure better rates or release equity from their properties. Our process includes market comparisons, fee analysis, and exit strategy evaluations. We provide clear guidance on switching lenders or renegotiating terms with existing providers to optimise financial outcomes for homeowners.
Commercial Mortgages
Our commercial mortgage service supports businesses acquiring or refinancing premises for operations. We facilitate financing for mixed-use properties, offices, and industrial units across the South of England. While we don't provide direct advice on commercial mortgages, we connect clients with appropriate specialists to address their business property financing needs.
Bridging Finance
We arrange bridging finance solutions for clients requiring temporary funding during property transactions. These short-term loans help bridge financial gaps when purchasing new properties before selling existing ones. Our service includes connecting clients with appropriate lenders while ensuring clear understanding of repayment strategies and associated risks.
Questions
Are you regulated mortgage advisers?
Yes, we are Appointed Representatives of The Right Mortgage Ltd, authorised and regulated by the Financial Conduct Authority for mortgage advice.
Do you charge fees for mortgage advice?
We don't charge fees for most mortgages over £100,000. For other cases, we may charge a £200 application fee explained in advance.
What mortgage types do you offer?
We offer residential, buy-to-let, remortgage, commercial, bridging, and development finance solutions across the UK market.
Can you help with insurance products?
Yes, we provide associated insurance products including life insurance, income protection, and property insurance solutions.
Do you operate locally or nationally?
While based in Southampton, we operate nationwide with particular expertise in the South of England property market.
How long does the mortgage process take?
Remortgages typically take 4-5 weeks, while property purchases usually require 6 weeks to 3 months depending on transaction complexity.
