How To Get Started
Online Mortgage Finder
The Mortgage Finder is designed to save time spent on the phone. You can provide us most of the information we need in your own time and then we can just check over the information provided.
The internet is not a secure medium and the privacy of your data cannot be guaranteed.
Here are you options
Welcome to
Turnstone Mortgages
Turnstone Mortgages is a multiple award winning, fee free mortgage broker in Southampton operating across the whole of the UK online and over the phone.
We are a small family run business who have helped over 1,000+ people to date and so we look forward to finding out how we can help source the right mortgage for you!
Ready To Get Started?
We understand you may have some questions before you're ready to apply. If that's you, scroll down to learn more about us here at Turnstone Mortgages.
Otherwise, if you are ready to proceed, lets get straight to work!
Our Services
Reviews & Testimonials
Real stories from happy clients—see why over 100 five-star Google reviews trust Turnstone Mortgages.
Awards & Recognitions
Celebrating our award-winning journey since 2020. Sowcasing our 12 awards to date. Including 'Mortgage Broker of the Year 2024'.
Why Our Services Are Free For You
Curious why our mortgage advice won’t cost you a thing? Learn more about it here.
Find Out How Much You Can Borrow
Want to know what you could afford? Check your borrowing estimate today.
Meet The Team
Get to know the friendly faces behind Turnstone Mortgages—a family-run team dedicated to making your home-buying journey personal, simple, and stress-free.
About Us
Learn more about Turnstone Mortgages and our commitment to supporting people on their mortgage journey.
Services We Offer
Learn more about the different areas we help and advise on including Mortgages, Protection and Solicitors
Your Step-by-Step Guide to Getting a Mortgage
Find out the step by step process of obtaining a mortgage when using Turnstone Mortgages
What Documents Will You Need To Apply For A Mortgage?
Here you can see the types of documents that will be expected of you when you go to apply for a mortgage.
What Is The Current Mortgage Interest Rate?
Looking to find the best rates as of today? We have access to over 100 lenders to find the best rate for your circumstances
How Much Do I Need For A Deposit?
A brief guide on how much or little you will be putting down as a deposit on a property
Can I Get A Mortgage If I am self-employed or have irregular income?
Want to know what you could afford? Check your borrowing estimate today.
How do I get a decision in principle?
We can secure your mortgage pre-approval before you start viewing properties—giving you confidence and peace of mind.
Can I Get A Mortgage If I have bad credit?
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Why should I use a mortgage broker?
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How is a mortgage broker different to going directly to a bank?
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Are mortgage brokers regulated or licensed?
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Do brokers have access to better mortgage deals?
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How many lenders and mortgage rates do we check?
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How long does it take to get a mortgage?
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What is the process of using Turnstone Mortgages to secure a mortgage?
We understand that depending on the person, you may want a different level of help than others and so we tailor the experience to each client to suit, typcially everyone will follow the same process which is laid out below:
Step 1 - Fact Find
Time taken:
20-40 minutes
Firstly, we need to know some information about you, this can be from basic information such as your name and date of birth to more complicated matters such as credit history if you have a poor credit history. We will only ask for information that will either eventually be used in a mortgage application or if it may alter who or what we recommend for you.
For us to get this information, you can either book in a phone call or you can go ahead and fill out your details yourself on our website.
Step 2 - Advise and Recommend
Time taken:
1 working day
Once we know you, we can then go away and do our research. The research completed will depend on your circumstances and what it is you want from us. This could be anything from an affordability check or it may even be a mortgage recommendation for a property that you have had an offer accepted on. We report back to you with our findings and email over a copy of our research.
Step 3 - Document Request
Time taken:
1-2 hours
Now we know you and we have recommended a mortgage, we will now need some proof of documents. This will depend on your circumstances, but typically, documents such as proof of ID and address along with your proof of income and bank statements.
Please refer to our helpful guides for more information on what may be requested from you when you apply for a mortgage.
Step 4 - Apply
Time taken:
1-4 weeks
Although the application itself is done within 1 working day, the process of going back and forth with the lender until you get the mortgage offer is usually between 1-4 weeks.
Step 5 - Completion
Time taken:
2 weeks-6 months
To get to the point of completion, we will need all of the legal work completed, if this is a remortgage, this can be done in a couple of weeks. If this is a purchase, it may take longer. The legal work required is more comprehensive and so naturually this takes longer and the typical timeframe for a purchase is around 4-6 months on average. Being in a long chain may affect this too. Following completion, we usually receive our fee from the lender the month after you complete.