OUR COMPANY
Welcome to Lock & Key Mortgages
Our team of knowledgeable and experienced mortgage brokers are dedicated to delivering friendly, professional and impartial advice on the whole intermediary mortgage market, helping our customers get the best deal.
We pride ourselves on being proactive and approachable, offering invaluable mortgage advice and consultancy to help you start your journey towards finding the perfect mortgage solution for you.
First Time Buyers
Are you looking for a mortgage for your first home?
We specialise in offering guidance on first-time buyer mortgages, providing comprehensive advice on the full range of choices at your disposal.
Remortgage Deals
Remortgaging not only has the potential to reduce your monthly payments but also substantially decrease the number of years left on your loan.
Buy To Let Mortgages
We are independent and can connect you with the entire intermediary range of UK lenders, ensuring comprehensive access to the market.
Protection
Our skilled advisers can help find a policy to protect what matters most to you and provide insurance coverage that can keep you and your family safe should the worst happen.
Moving Home
Get expert mortgage advice, an Agreement in Principle, and a clear breakdown of costs—so you can move with confidence.
Further Advances
A Further Advance can help fund home improvements, consolidate debt, or finance major purchases. With expert guidance and competitive rates, we’ll find the right solution for you. Contact us today!
KEY FEATURES
Expert mortgage advice
Looking for a trusted mortgage advisor in Southampton? You’re in the right place!
At Lock & Key Mortgages, we provide expert, independent mortgage advice tailored to your individual needs. Whether you’re a first-time buyer, remortgaging, or exploring buy-to-let options, our experienced team is here to guide you every step of the way—making the process simple, clear, and stress-free. Get in touch today and let’s find the right mortgage for you.
WHY TO CHOOSE US
You can rely on our expertise and professionalism when it comes to quality mortgage and protection solutions.
Secure Your Dream Home with Expert Mortgage Advice!
Looking for the best mortgage deal? Whether you're a first-time buyer, remortgaging, or investing in property, we’ll find the perfect solution for you.
- Tailored mortgage solutions
- Exclusive rates & expert advice
- Stress-free application process
Contact us today
or Book a Free Consultation!
What our clients say...
Read why we are the best mortgage broker in Southampton
Lauren Pickup
14:31 10 Dec 25
We have worked with Graham on multiple mortgages now and he is always extremely knowledgable and easy to work with. He has secured us fantastic mortgage deals time and time again. I couldn’t recommend him enough!
Charlee Gladman
10:33 21 Nov 25
This is my second time using Lock & Key Mortgages, I have been so impressed with Graham that I wouldn't go anywhere else, and happily recommend him to everyone I know. From the minute you make contact, Graham is friendly, professional, explains things in a simple (as I know nothing about the mortgages!) but knowledgeable way and does everything possible to get you a good mortgage deal. His communication is brilliant and I genuinely couldn't praise him and his service enough.
Lydia Cooke
17:54 18 Nov 25
We are lucky enough to have known Graham since 2016 when we bought our first house. He has already seen us through two house purchases and two remortgages, and we are now in the process of our third house purchase with the company’s help and guidance. Throughout every process he has been so helpful, offered us great advice and answered my many, many questions very promptly! I wouldn’t consider anyone other than Lock and Key Mortgages for any future moves and we recommend them to anyone who will listen! While the process of moving house can be stressful, we are lucky to have found such a great mortgage advisor to make the process so much easier!
Kristie Read
17:26 18 Nov 25
Renewing our mortgage with Graham was an absolute pleasure from start to finish. He made what could have been a stressful process feel effortless, guiding us through every step with clarity and confidence. Graham’s ability to explain complex details in a way that was easy to understand gave us complete peace of mind. We couldn’t recommend him highly enough to anyone looking for a mortgage advisor - Thanks Graham!
mollie Spratt
12:40 13 Nov 25
Graham and kristie have been absolutely amazing in our mortgage journey. We couldn’t have asked for a better service from people who seem to genuinely care and want to help. The process has been made so easy and Graham couldn’t be more responsive - answering our calls whenever we needed him even if it was not in office hours and getting back to us as soon as he could. I really could not recommend him more and be more thankful for such a great service. I wouldn’t go to anyone else for future remortgaging or help in this area. Time is taken to explain everything in ways that are easy for us to understand and he has made sure to keep both me and my partner in the loop throughout giving us frequent updates and checking in on us.
Paula O'Grady
07:04 16 Sep 25
Amazing service from Graham at Lock and Key. I was passed Graham’s name from a friend who raved about him. I wasn’t sure he would be able to help as we had usual circumstances - only needed a mortgage for 11 months and were uncertain about our options. I was reassured straight away from Graham that he understood and there were products out there we would benefit from financially. 3 days later and it’s pretty much all done. Graham had applied and got things underway immediately to make sure we got the best deal before there were any changes. We are so grateful and appreciative. Also communication has been fantastic. Thank you Graham.
Sophie O'Toole
19:35 04 Sep 25
Graham and Kristie were exceptional in the service provided. Nothing was too much trouble and we always kept up to date at every step. A personal and empathetic service, thank you
Brady Hampton
13:27 22 Jul 25
Graham and the team are brilliant. As a first-time buyer I had no idea how the mortgage process works and was recommended Lock and Key Mortgages. They didn't only get me the best rate on the market (that I couldn't find myself) but also effectively managed the whole process from start to finish being the lynchpin between solicitors & estate agent.
Superb and would recommend!
Superb and would recommend!
Lucy Goddard
09:07 15 Jul 25
Without a doubt the best mortgage advisor around! I have been extremely nervous from the very start and Graham’s help and support has got us where we need to be! He has been extremely responsive at all times and being available on WhatsApp has been amazing as any questions or worries have been answered so quickly! Graham has today secured us our mortgage!! I have dreamed of this moment for years and with Graham’s pure dedication and patience we have received the paperwork!! Graham’s knowledge is unmatched in the market and I wouldn’t hesitate to recommend to anyone! Thank you doesn’t quite seem enough!!
Maddison Burden
20:13 24 Jun 25
We went to Graham to help us buy our first home and he has been amazing. The best decision we made during our buying process was choosing him! He made us feel so comfortable and made everything clear. We have been able to ask him questions whenever we need and he gets back to us so quickly, couldn’t recommend him enough!!
Sarah Collings
15:04 20 Jun 25
I cannot recommend Graham highly enough. He has been managing our mortgage for the past 15 years, and nothing is ever too much trouble for him. He is always willing to answer all our questions, regardless of whether they are big, small, or seemingly silly. Over the years, he has provided us with excellent advice and genuinely cares about securing the best deal for us.
He is always available on the phone or WhatsApp and responds promptly, even while on his holidays.
I have recommended Graham to many of my friends and family members, and they all echo our sentiments: he is truly a genuinely lovely person.
He is always available on the phone or WhatsApp and responds promptly, even while on his holidays.
I have recommended Graham to many of my friends and family members, and they all echo our sentiments: he is truly a genuinely lovely person.
Mark Tyler
18:58 13 Feb 25
Support and advice has been second to none. Would and have made recommendations and will continue to do so.
Gemma Baker
14:05 04 Feb 25
Graham is the best financial adviser I have dealt with. He is responsive, easy to talk to and understanding of different personal situations to work to find the best way forward. I would not hesitate to recommend Graham/Lock and Key Mortgages.
Hannah Sullivan
20:22 23 Jan 25
Graham has been utterly amazing from start to finish! He guided us through our mortgage process with so much patience, professionalism and support, we are so grateful for all his help and guidance.
He is approachable, no question or query was too much. He will come very highly recommended to anyone in need of a mortgage or any advice. Thank you Graham and Lock & Key - your service is truly second to none!
He is approachable, no question or query was too much. He will come very highly recommended to anyone in need of a mortgage or any advice. Thank you Graham and Lock & Key - your service is truly second to none!
Ben Mitchell
19:03 23 Jan 25
It’s been a faultless experience finding a mortgage for my next house with Graham at Lock and Key Mortgages. From the start, he was professional, approachable, and genuinely took the time to understand my needs. He walked me through every step of the mortgage process, answered all my questions, and provided clear, straightforward advice. What impressed me most was his dedication to finding the best deal for me, and he made sure I felt confident and informed throughout. I couldn't have asked for better service and will definitely be recommending him to family and friends. Thank you, Graham, for making this process so much easier!
Adam Lowther
20:57 09 Dec 24
Have used Graham at lock and key for a few mortgages now, really helpful and thorough. Great at explaining different things for us to understand and always really accommodating. We wouldn’t use anyone else.
Beccy Mintram
19:04 09 Oct 24
We highly recommend Graham at Lock and Key Mortgages. We've used Graham for almost 10 years, across a couple of house moves and re-mortgages and cannot fault his service. He is thorough and explains everything really well (to us as non finance-y people!), and always looks out the best options for us.
Thanks Graham, we will definitely be back at mortgage renewal time!
Thanks Graham, we will definitely be back at mortgage renewal time!
Kate Blackmore
11:19 09 Oct 24
I have been a client of Graham's for years and he is always super helpful and proactive. He recently sorted our remortgage out for us and we're really grateful of Graham's excellent service once again. Thanks Graham!
Harry
16:44 23 Aug 24
Graham has been excellent. As first time buyers, my partner and I started shopping around for rates from both fee-charging and fee-free mortgage brokers. We were recommended Graham by a family member and were immediately impressed with both his knowledge and friendliness. He not only generated us the best rates as a fee-free broker, but has gone above and beyond in explaining/facilitating the house buying process (e.g solicitors, surveyors etc).
Thoroughly recommend Lock and Key Mortgages and will no doubt be getting in contact when it comes to remortgaging!
Thoroughly recommend Lock and Key Mortgages and will no doubt be getting in contact when it comes to remortgaging!
Natalie Sparshott
19:17 22 Jul 24
Graham has been an absolute pleasure to work with from start to finish. All of my friends had used him as their broker & highly recommended Graham to me, so we decided to use him as ours this time for our move.
From thousands of questions which never seemed to bother him, to changing our mortgage lender/rate god knows how many times, we cannot fault any of his work.
Thank you so much Graham for all of your help, you’ve been absolutely fab. We will definitely be using you in 2 years again!
From thousands of questions which never seemed to bother him, to changing our mortgage lender/rate god knows how many times, we cannot fault any of his work.
Thank you so much Graham for all of your help, you’ve been absolutely fab. We will definitely be using you in 2 years again!