Jamie Alexander

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Jamie Alexander has spent the last 14 years doing one thing really well, helping people get the right mortgage, with the least amount of stress, at the lowest possible cost.

As the Founder and Director of The Fee Free Mortgage Broker, Jamie offers whole-of-market mortgage advice to clients across the UK with no broker fee attached. Not a reduced fee. Not a fee waived under certain conditions. No fee, full stop, because Jamie believes that access to genuinely good mortgage advice shouldn't depend on how much you can afford to pay for it.

A career built on doing things properly

Jamie started out working as a mortgage adviser within a national estate agency, embedded alongside property sales teams at the coalface of the home-buying process. It's where he learned that getting a mortgage isn't just a financial transaction, it's one of the most significant moments in a person's life, and it deserves to be handled with real care.

From there, he moved into self-employment as an adviser at a large brokerage specialising in new build properties. New build mortgages are among the most technically demanding in the market, tight exchange deadlines, builder incentives, evolving government schemes, and working in that environment gave Jamie a level of precision and problem-solving ability that has served every client since.

In 2019, he took everything he had built and learned and founded Alexander Southwell Mortgages, his own independent brokerage. Over the six years that followed, Jamie and his team submitted over 2,500 mortgages. They weathered the COVID-19 pandemic, navigated the cost-of-living crisis, and came out the other side stronger, not despite putting clients first, but because of it.

A family business, built around families

Both The Fee Free Mortgage Broker and its sister company, Alexander Southwell Mortgages, are family run businesses in every sense of the phrase. Jamie and Latoya work together in the day-to-day running of both businesses, bringing a warmth, personal investment, and genuine care to every client that you simply don't get from a large corporate firm.

There's something fitting about that. So much of what Jamie and Latoya do every day is help families find their forever home, first-time buyers taking that enormous first step, growing families upsizing to make room for the next chapter, couples finally putting down roots in a place they can truly call their own. Understanding what that moment means is something they don't take for granted.

When you work with The Fee Free Mortgage Broker, you're not a case number. You're a family being looked after by a family, and that makes all the difference.

The philosophy behind the fee-free model

The Fee Free Mortgage Broker didn't come about by accident. It came about because Jamie kept noticing the same thing: clients who were perfectly well-placed to get a great mortgage were hesitating, second-guessing, or going straight to their bank, not because they didn't want advice, but because they didn't want to pay for it on top of everything else.

That felt wrong to him.

For clients without adverse credit, there is no good reason why quality whole-of-market advice should cost anything. Jamie is paid by lenders when a mortgage completes — as is standard practice across the industry — which means clients get access to his full expertise, his entire market knowledge, and his time, completely free of charge.

For clients with adverse credit — missed payments, defaults, CCJs, or a more complex financial history — the process often requires considerably more work, more specialist lender relationships, and more hands-on case management. In those situations, Jamie may refer clients to Alexander Southwell Mortgages, where a low and fully transparent fee reflects the additional complexity involved. Nobody is ever turned away without a clear path forward.

Who Jamie works with

Jamie works with first-time buyers taking their first steps onto the property ladder, home movers ready for their next chapter, and existing homeowners looking to remortgage onto a better rate. He has particular experience supporting self-employed clients — a group that is often underserved and over-complicated by the mainstream mortgage process, as well as clients purchasing new build homes.

Whatever your situation, Jamie's starting point is always the same: understand you properly, explain your options clearly, and find the most suitable product available across the whole market, not just the most convenient one.

What to expect when you work with Jamie

Straightforward communication. No jargon. No pressure. A clear explanation of what your options are, why a particular product suits your circumstances, and what happens next at every stage. Jamie and Latoya are accessible, responsive, and genuinely invested in getting the right outcome for you — not just getting the application submitted.

With over 2,500 mortgages submitted and 14 years of experience behind him, Jamie brings a level of knowledge and calm assurance that makes a real difference, especially when the process feels complicated or overwhelming.

Good advice, clearly explained, at no cost to you. That's the commitment.