It's Free to Speak to an Advisor, 7 days, 8am - 10pm
It's Free to Speak to an Advisor, 7 days, 8am - 10pm
We know your first mortgage can be confusing. Here’s some of what we can help with:
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How much you can borrow will depend on your income, financial commitments, and credit history.
Most lenders work to a multiple of your income, but they also consider your monthly outgoings and whether the mortgage is affordable over the long term.
As a first time buyer in Brighton, speaking to a mortgage broker like us early on can help you get a clear idea of what’s realistic for your situation and avoid any surprises later down the line.
Our Customers Rate us 4.9/5
The standard deposit for a first time buyer in Brighton is around 5% to 10%, depending on the lender and the property.
A higher deposit often opens up better rates, but there are still competitive options if you’re working with a smaller amount.
With the right mortgage advice in Brighton, we can help you compare deals and understand how different deposit levels affect your options.
Appointments 7 Days a Week
Buying your first home comes with a lot of questions and that’s where we come in.
Our mortgage advisors in Brighton are here to guide you from your very first enquiry right through to getting your keys.
We’ll break down the process, handle the paperwork, and explain everything clearly along the way.
No jargon, no pressure, just support when you need it.
Explore 1000s of Mortgage Options
Our Customers Love Us
3,500+ 5 Star Reviews
Derek
They were great when handling our mortgage application even though it was a bit different to the normal one. Highly recommended
3 days ago
Michelle
The team at UK Moneyman have been excellent, really informative, providing sound advice with no judgement and supporting the best possible way forward for myself. I would definitely use the team again, they’ve made the whole process simple and...
2 weeks ago
Lawrence
Great company to work with, very helpful and excellent communication. Chris and Jo did a great job with our application. I highly recommend.
2 weeks ago
Gemma
Excellent speedy service and always available to work around the best times for us, including calls at weekends
1 month ago
Gillian
Having dealt with Leo previously I knew I would be getting a brilliant service and a good deal.
1 month ago
Karen
Very helpful.Quick response to any questions or concerns. Selected the right product to meet our requirements.
1 month ago
Stephen
We went to the Moneyman to start with regarding a new mortgage only which went really smoothly and everything was explained in simple terms at our request Malcom made it feel at ease . Once i had the confidence with them we asked them to help with...
1 month ago
Although the Help to Buy scheme is no longer running, there are still useful schemes for first time buyers in Brighton.
You might be eligible for a mortgage with a lower deposit or you could use a Lifetime ISA to boost your savings. Some lenders also offer exclusive deals for first time buyers.
Our mortgage advisors in Brighton can explain what’s available and help you access products that suit your circumstances.
If you do not have a credit history, lenders might find it harder to assess your reliability, but that doesn’t mean you can’t get a mortgage.
We regularly work with first time buyers in Brighton who have a limited credit profile and match them with lenders who take a more flexible approach.
It’s all about understanding what the lender needs and presenting your finances clearly.
Going direct means you’re limited to that lender’s products, which might not be the best fit for your situation
A mortgage broker in Brighton like us can search multiple lenders, explain the pros and cons of each option, and deal with the application from start to finish.
It can save you time, reduce stress, and open the door to better deals you may not have found on your own.
While it’s not essential, having a mortgage in principle (MIP) in place shows estate agents and sellers that you’re serious.
It gives you a clear idea of your budget and can strengthen your position when making an offer.
We can help you arrange your Agreement in Principle within 24 hours, so you’re ready to make an offer as soon as you find the right home.
Yes—many first time buyers in Brighton use a deposit gifted by a family member.
Most lenders are happy with this, as long as it’s a true gift and not a loan. The person gifting the deposit will usually need to confirm this in writing.
We’ll help you manage this step and ensure all documents are in order.
The full mortgage process can vary, but most first time buyers in Brighton can expect it to take around 2 to 4 weeks to receive a formal mortgage offer once the application is submitted.
This timeline depends on how quickly you can provide documents, how complex your case is and how responsive the lender is.
After your mortgage offer is issued, the legal process (known as conveyancing) typically takes another 6 to 12 weeks, depending on the property and whether there’s a chain involved. This includes things like property searches, contracts, and liaising with solicitors.
To avoid unnecessary delays, it helps to have all your documents prepared early and work with a team that knows how to keep things moving.
Getting mortgage advice in Brighton means you’re supported from your first affordability check through to completion, with clear updates at every stage.
We’re here every day, so whenever you have a question, we’re ready to help.
It costs nothing to get started, we’ll talk you through everything with no pressure.
Our mortgage advisors in Brighton are here to look after your interests, not the lender’s.
We can arrange your AIP within 24 hours, so you’re ready when the right property comes along.
We explain your options in plain English, so you always know where you stand.
We search a wide range of lenders to find a mortgage that suits your deposit and income.
You’ll benefit from a team that’s helped thousands of people buy their first home.
We’re with you every step of the way, from your first call through to getting the keys.
We regularly help first time buyers in Brighton who are juggling rent and bills while trying to save for a deposit.
Even with a smaller deposit, we’ll help you explore lenders who offer 5% or 10% deposit mortgages, and show you how to maximise your chances with the savings you already have.
f a family member is helping with your deposit, we’ll make sure the lender accepts the gift and that the correct documents are in place.
Gifted deposits are common among first time buyers in Brighton, and we’ll take care of the paperwork so it doesn’t slow things down.
If you’re feeling unsure about what you can afford or how the process works, that’s completely normal.
We work with first time buyers in Brighton who just need someone to explain the steps clearly and guide them through each part, without the jargon.
Being new in a role or newly self employed doesn’t mean you can’t get a mortgage.
We help first time buyers in Brighton understand what lenders look for, and which options are available based on how long you’ve been in work or trading.
A limited or patchy credit history is more common than you might think.
We’ll take a look at your full financial picture and connect you with lenders who are open to working with first time buyers in Brighton with less-than-perfect credit.
Whether you’re buying with a partner, family member or friend, we’ll explain how a joint mortgage works and what happens if one of you wants to come off the mortgage later.
We’ll make sure everyone is clear on their responsibilities from the start.
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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© UK Moneyman Limited 2025.
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