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.


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

(Your home may be repossessed if you do not keep up repayments on your mortgage)

We charge a fee for arranging and advising you on the mortgage. The fee will be dependent on your circumstances but will not exceed £499. (Our typical fee is £299.)

For Lifetime Mortgages/Equity Release the fee will be £799.

” Can I say thank you to Gareth for helping me sort out my remortgage he was a great help.
And can I say Kelly you did a great job as I’m alway away or working but you helped me kept me informed and chased me for paperwork. Good team”

Gerry Fitzgerald – Google Review

As first time buyers we had no idea about mortgages and would have just gone with our bank had it not been for South Coast Mortgages. They made it so easy to understand and got us the best deal.

Antonia M – Google Review

Get in contact

Flexible appointments


4 + 5 =


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.