If you're looking for comprehensive mortgage advice in order to move house or buy your first home. Considering a remortgage to lower your monthly mortgage payments, or looking to release some equity to consolidate other borrowing. Maybe you wish to build that extension you've wanted for years; or are looking to buy to let for investment purposes - or even wishing to let your current home out to facilitate your onward move.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. The Directors of Top Mortgage Solutions Limited are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied in all areas of our day to day business activities.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. The Directors of Top Mortgage Solutions Limited are committed to ensuring that the FCA principle of Treating Customers Fairly (TCF) is applied in all areas of our day to day business activities.
Services
Top Mortgage Solutions is based in Southampton Hampshire and has been advising clients across England for in excess of 15 years; offering mortgage and protection service to those looking to purchase a new home, re-mortgage an existing property or looking to buy to let. Furthermore Top Mortgage Solutions is able to arrange relevant mortgage protection products ranging from Life Insurance through to Buildings Insurance for landlords.
Moving home can be a particularly stressful time, not helped with the mortgage market appearing to be a mind field. Each mortgage lender will have independent criteria influencing their lending decision. Moreover, mortgage lenders will also differ in the amount they will lend, for example, some will take tax credits into consideration whilst others will not.
It's fair to say that to most people, their monthly mortgage payment is probably their largest monthly commitment. Therefore, it makes sense to explore the potential to reduce this and find the best remortgage deal. The same way you do when considering other costs such as switching utility providers, or deciding on the most economical place to buy your food.
Shared ownership mortgage schemes are a Government incentive backed up by developers and housing associations in order to provide high quality affordable housing for first time buyers and other key workers. Basically by property buyers 'sharing' the ownership of the property. On the initial purchase you will typically buy 25/50/75% of the total property value.
A buy to let mortgage is typically for investment properties which are being let out to non-family members. For that reason they generally require a larger deposit, and have both higher interest rates and arrangement fees. Importantly the amount you can borrow is usually based on the rental income you will be able to achieve in the prevailing market conditions at that time.
Reviews (10)
Chris Wills
Oct 21, 2021
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Spencer Dawson
Oct 15, 2021
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Bea Lopez
Oct 14, 2021
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Positive: Professionalism, Quality, Responsiveness
Simon is super prompt in his correspondence, incredibly knowledgeable and very professional. He takes the time to understand your needs/requirements and explains all the options very straightforwardly. I will definitely recommend T.M.S Mortgages & More.
Simon is super prompt in his correspondence, incredibly knowledgeable and very professional. He takes the time to understand your needs/requirements and explains all the options very straightforwardly. I will definitely recommend T.M.S Mortgages & More.
Aimee Wilson
Sep 14, 2021
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T.M.S Morgages & More have been incredible in myself and my husbands mortgage journey. Simon provides a person-centred, professional Morgage Brooker Service.
We experienced many knock backs from lenders due to a CCJ that was sustained when I was a youth. I was embarrassed of this CCJ but Simon never judged me or our situation. He worked with us over a long period of time, through set backs and doors closing. He was patient, kind and genuine!
He never gave up on us! He worked tiresly over several years, trying and trying for us. And today all his hard work paid off! Not only has Simon secured
We experienced many knock backs from lenders due to a CCJ that was sustained when I was a youth. I was embarrassed of this CCJ but Simon never judged me or our situation. He worked with us over a long period of time, through set backs and doors closing. He was patient, kind and genuine!
He never gave up on us! He worked tiresly over several years, trying and trying for us. And today all his hard work paid off! Not only has Simon secured
Dawn Gullis
Aug 25, 2021
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Sarah Collins
Aug 05, 2021
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John Nisbet
Jun 18, 2021
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Jessica Houghton
Jun 18, 2021
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We've had an excellence experience and couldn't recommend using Top Mortgage Solutions enough! Simon is extremely knowledgeable, patient, all while providing a first-class service. We are first time buyers (so we didn't have a clue) but Simon took the time to explain everything and got us a great mortgage that suited our needs. Thank you very much Simon!
Rebecca Clewarth
May 26, 2021
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Cesar Baena
Apr 27, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
We have had an excellent experience using Top Mortgage Solutions. Simon is very knowledgeable and provides a first-class service. We received our mortgage in less than 2 weeks and when we needed to make adjustments to our mortgage Simon acted straightaway.
We have had an excellent experience using Top Mortgage Solutions. Simon is very knowledgeable and provides a first-class service. We received our mortgage in less than 2 weeks and when we needed to make adjustments to our mortgage Simon acted straightaway.
