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HTG Mortgages

HTG Mortgages

Mortgage Broker and Advisor in Southampton

Featured in The Telegraph • Daily Mail • The Times • Sky News

Southampton’s property market varies more by postcode than almost any UK city its size, from £193,800 average in SO14 near the city centre, to over £280,000 in SO16 around Shirley and Redbridge. Whatever budget or area you’re looking at, we compare mortgages from over 120 lenders to find a mortgage that fits, not just a rate that looks good on paper. First-time buyer in Southampton? The average FTB price locally is £210,000, well within the £300,000 stamp duty relief threshold, which can make a real difference to your budget.

If you are buying to rent out rather than to live in, there is a dedicated page on buy to let in Southampton, including what the rent needs to cover.

Local knowledge, from SO14’s affordable flats to SO16’s family homes

Compare mortgages from over 120 lenders, not just the high street

First-time buyer in Southampton? You likely qualify for stamp duty relief

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Harry Goodliffe, director and FCA-authorised mortgage advisor at HTG Mortgages, at his desk

Meet your Advisor

Harry Goodliffe

  • FCA Authorised
  • Director & Mortgage Advisor

“I‘m not about confusing jargon or passing you from person to person. From our first chat to the day you get the keys, you’ll deal directly with me. I‘ll keep you updated, answer any burning questions, and do everything I can to make the whole process as stress-free as possible.”

Let’s Talk About Your Mortgage

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Why Choose HTG Mortgages in Southampton?

Southampton’s property market in 2026
Southampton offers some of the best value on the south coast, better than neighbouring Portsmouth and significantly better than Winchester. First-time buyers are typically active in the £150,000–£280,000 range, with strong demand in postcodes like SO15, SO18, and SO19. If you’re commuting, Southampton Central runs direct services to London Waterloo in around 80 minutes, making areas near the station popular with buyers balancing budget against commute time.

 

Source: ONS/HM Land Registry, May 2026

Our Services

First-Time Buyer Mortgages: Guidance through the entire buying process.

Remortgage Options: Lower monthly payments.

Buy-to-Let Mortgages: Specialised options for landlords and investors.

Self-Employed Mortgages: Tailored options to suit various income structures.

Related: Buy To Let Mortgage Hub, Mortgages for Self-Employed People.

12000

Mortgage Products

120

Mortgage Lenders

20

Available Insurers

100%

Bespoke Service

HTG Mortgages whole-of-market mortgage service shown on a tablet

Mortgage advice in Southampton

for buyers, movers and landlords

First Time Buyers
Remortgages
Buy To Let
Moving Home

Self-Employed
Insurance & Protection
Limited Companies

Speak to an expert

Why use HTG’s mortgage services?

Monday to Friday 8am to 5pm, Saturday 8am to 1pm

We are an independently owned, whole-of-market mortgage broker offering first-charge mortgages

You deal with Harry directly, from the first conversation to completion

Start button representing the first step of your mortgage journey

Local, Friendly Service You Can Trust

We combine local expertise with industry-wide connections to offer you a smooth mortgage experience in Southampton. Whether you prefer a phone call or online support, we’re here to help when you need us most.

Get Started Today If you’re looking for expert mortgage advice in Southampton, HTG Mortgages is here to guide you. Contact us to explore your options and take the next step toward finding the ideal mortgage.

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Frequently Asked Questions

Most lenders look for at least 5% of the purchase price, and 10% usually gets you better rates. With the average first-time buyer home in Southampton costing around £210,000, that is roughly £10,500 at 5% or £21,000 at 10%. Some buyers also qualify for low-deposit or no-deposit options – we can check what you are eligible for.

As a rough guide, lenders typically offer around 4.5 times your annual income, so a household income of £45,000 might borrow about £202,500 – close to Southampton’s average first-time buyer price. Some lenders stretch further for certain professions or higher earners. As a whole-of-market broker we compare lenders to find the most you can borrow responsibly.

According to recent ONS data, the average home in Southampton sells for around £236,000, with first-time buyers paying about £210,000. Flats average around £153,000 and terraced houses around £251,000, so there are options across a range of budgets in areas like Portswood, Bitterne, Woolston and Shirley.

Many first-time buyers in Southampton can purchase with just a 5% deposit, and some benefit from shared ownership, a Lifetime ISA or specialist low-deposit mortgages. The right route depends on your income, savings and the property – we will talk you through the schemes you qualify for and handle the application from start to finish.

You do not have to use a local broker, but it helps to work with someone who knows the Southampton market, its lenders and its property types. HTG is independent and whole-of-market, comparing deals from a wide panel of lenders and supporting you from first chat to completion – by phone, video or in person. Checking your options is free and there is no pressure to proceed. We cover the wider Test Valley too, including Romsey, so you get the same local knowledge whichever side of the city you are buying on.

Get in touch

Free, no obligation, and no pressure.

01425 203055

info@htgmortgages.com

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