First Time Buyers


Our advice will be clear and concise.

At South Coast Mortgage Services our job is to ensure that every aspect is explained thoroughly, so you can be assured of peace of mind when making what is likely to be your largest ever purchase. We can also talk you through the government housing schemes such as Help to Buy and Shared Ownership.

We will run through all of the associated costs like solicitor fees, Stamp Duty and relevant insurances such as life cover, so you can be sure there are no hidden surprises. We will run through a detailed budget planner with you so you are comfortable with what is affordable.

Your home/property may be repossessed if you do not keep up with your repayments.


Agreement In Principle

We will provide you with a free agreement in principle, meaning you can go out and view properties in confidence. 


Shared Ownership

Help to Buy and affordable housing schemes are the perfect way to get onto the property ladder, we can talk you through your options.


Costs Involved

It’s not just your deposit you need to think about. We will go through all the costs involved in buying.

Book an appointment today

Ryan Hurst
25. May, 2023.
Gareth and the team have yet again gone above and beyond to get the best mortgage possible for us. Rest assured, if a better rate becomes available before your start date they will put in the extra work to make sure you don't miss out.
Olivia Silsbury
13. April, 2023.
We used South Coast Mortgage Services to purchase our first house. It seemed like a daunting process but thanks to Gareth and Kelly the process felt very easy and stress free! They have both been amazing and so helpful, I could not recommend these guys enough!
Akash Malhotra
6. April, 2023.
Always used South Coast. Bestxadvise possible to suite your needs.
Holly Wright
27. February, 2023.
We had such a positive experience with South Coast! They went above and beyond to arrange our mortgage we are super grateful. Would certainly recommend.
Katie Bampton
27. January, 2023.
I have used Gareth Davies for over 10 years and without fail he goes above and beyond! We had a particularly stressful time with our move and he was always on hand to answers questions and sort issues out. We cannot recommend Gareth and his team enough, they are friendly, helpful, professional and get back to you promptly. Thank you so much!!!
steve jobbs
25. January, 2023.
5 star service. Helped through every step of the way for 2 years in order to secure a family home. From re mortgaging my old property and securing a new mortgage on another property. South coast mortgage services were exceptional
6. December, 2022.
I have been a loyal client of South Coast Mortage Services for over 9 years now, for both my residential and buy-to-let mortgages. I remain very impressed indeed with their services. All members of staff are friendly, polite and professional, and I'm always made to feel like a valued customer. Gareth and the team have always found me a suitable mortgages, even with the financial complexity that comes with me having a portfolio career. Special shout out to Gareth and Kelly! I cannot recommend them highly enough.
Darren Clement
3. November, 2022.
Absolutely fantastic service. Gareth and his team guide you through the mortgage process with complete ease, making one of the most stressful situations a complete breeze. I will never go anywhere else and to be totally honest anyone i know who has used the services of Gareth and the South Coast Mortgage team have never been disappointed.
Isabelle Anderson
25. October, 2022.
Couldn't recommend highly enough, Gareth and team are lovely, thoughtful and diligent.
carolyn booth
15. October, 2022.
Gareth really helped us to find the right deal that was affordable for us, comparing all the options for term and mortgage types. He was thorough and very approachable and we would definitely use him again.

Get in contact

Flexible appointments


11 + 11 =


Providing helpful and friendly mortgage advice in Southampton

59 The Avenue, Southampton SO17 1XS

02380 224 925

South Coast Mortgage Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 59 The Avenue, Southampton, Hampshire, SO17 1XS. Registered Company Number: 08414746 Registered in England & Wales


We charge a fee for arranging and advising you on your mortgage. The fee will be dependent on your circumstances but will not exceed £599. (Our typical fee is £349.)


For Lifetime Mortgages/Equity Release the fee will be £799. A lifetime mortgage is a long-term commitment, secured against your home. It may accumulate interest and reduce the value of your estate.