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Southampton is one of the areas where Scott Davis offers tailored mortgage advice. He specialises in commercial and semi-commercial mortgages, buy-to-let, HMOs, bridging finance, limited company mortgages, second charge mortgages, and general insurance.
Scott is based in Southampton, Hampshire, and supports a wide range of clients across the region, including in Eastleigh, Winchester, Fareham, Romsey, Basingstoke, and Portsmouth.
Bridging finance is ideal for buyers needing short-term funding. Scott helps clients secure finance for auction purchases, property refurbishments, or chain breaks.
He ensures each bridging loan complies with UK lending regulations, including clear exit strategies and repayment terms. Whether you’re converting a property or refinancing before sale, he’ll guide you from enquiry to completion.
Scott offers mortgage solutions for mixed-use properties, including retail units with flats above. He works with lenders who assess rental income and business turnover.
Applicants benefit from access to lenders who accept shorter lease terms or unusual property types. He assists with structuring deals to fit both limited companies and sole traders.
Scott Davis helps landlords in Southampton secure competitive buy-to-let and HMO mortgages. He works with lenders open to multi-unit blocks, student lets, and professional sharers.
He ensures that rental yield calculations, local licensing requirements, and tenancy structures meet UK lending criteria.
Investors buying under a limited company benefit from tax-efficient options. Scott sources mortgage products that accept SPVs and trading companies.
He understands lender preferences, such as experience requirements and minimum income levels, ensuring your application fits their expectations.
If you already have a mortgage but need to raise funds, a second-charge loan may suit. Scott Davis supports clients using second-charge borrowing for refurbishments, business needs, or debt consolidation.
He checks affordability using current income, ensuring the product complements your first charge mortgage.
Scott offers guidance on general insurance policies to protect your home or investment. This includes buildings and contents cover, landlord insurance, and HMO-specific policies.
He explains exclusions, renewal terms, and coverage to ensure peace of mind for owners and tenants.
Southampton is one of Scott’s key service areas, but he also helps clients in nearby towns such as:
Eastleigh
Winchester
Romsey
Fareham
Basingstoke
Portsmouth
Each area has different lender preferences, rental demand, and property values. Scott uses this local insight to shape his advice.
Scott Davis is fully FCA-regulated and works to UK financial standards. Clients can expect clear communication, full disclosure of fees, and advice that prioritises lender criteria.
He supports clients from the first enquiry through to the mortgage offer and legal completion.
Scott understands the needs of property investors, landlords, and business owners in Hampshire. He combines specialist product knowledge with regional insight to give accurate, compliant advice.
Whether you’re buying a semi-commercial shop in Southampton or remortgaging a student HMO in Winchester, Scott helps you find the right mortgage solution.
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.