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First Time Buyer Mortgages in Brighton

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First time buyers in Brighton usually have access to exclusive mortgages which are not available to other borrowers.

A first time buyer in Brighton will typically be looking at a minimum deposit of 5% to put down towards a property. First time buyers in Brighton who are not in a chain can utilise this as a good bargaining tool for negotiating with the seller the price of the property you are looking to purchase. If you are uncertain of your eligibility but wanting to know your options to purchase your first home. Then speaking with one of our mortgage advisor in Brighton will be very beneficial.

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We reccomend you obtain an Agreement in Principle before viewing any properties in Brighton.

Having an agreement in principle will allow you to know the maximum amount you can borrow for a mortgage and also provide you with confidence as a first time buyer in Brighton, that you are in a position to proceed with your mortgage application. As a open and honest mortgage broker in Brighton, we can search 1000’s of deal and have helped many first time buyers get onto the property ladder. To see how one of our mortgage advisors in Brighton can help you with your home buying dream, book your free mortgage appointment today.

First Time Buyer in Brighton FAQs

Do I count as a first time buyer in Brighton?

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As long as you have never purchased a home before, you are then classed as a first time buyer in Brighton.

If you are not a first time buyer but are living with a friend or partner who qualifies as such, then you should be able to jointly purchase a property under that classification.

What do I need to buy my first home in Brighton?

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First, you’ll need to have saved enough for a sufficient deposit and qualify for a mortgage. Next, you’ll need to hire a conveyancing solicitor to carry out the legal proceedings that come with buying a home.

The good news is as a mortgage broker in Brighton, we are here to help you every step of your mortgage journey from initial inquiry to completion. Not to mention we check your eligibility, and we can search thousands of deals to find you the most suitable deal.

How much deposit do you need for a first time buyer mortgage in Brighton?

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We tend to find that a high street lender will typically require you to put down a minimum of 5% of the property purchase price for your deposit.

Bear in mind, putting down a larger deposit, for example anywhere between 10-25% of the purchase price, will lead you to wider and open you up to better mortgage deals.

Is it better to get a mortgage from a bank or a mortgage broker in Brighton?

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The benefits of going to a mortgage broker in Brighton are our advisors can search through 1000s of deals to find the most suitable mortgage product for your circumstances. Whereas a bank is only able to supply you with their products.

Back in the day, going to the bank was a more favorable choice, as the local manager knew your finances inside and out and would bear this in mind when offering mortgage products. This is no longer the case anymore and is all about finding the cheapest deal.

By coming to us for expert mortgage advice in Brighton, our process can often be a much quicker saving you time and money. Here at UK Moneyman, we work alongside a large panel of mortgage lenders, allowing us to tailor your mortgage to your personal and financial situation.

Are there any schemes to help first time buyers in Brighton get onto the property ladder?

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There are a handful of government schemes available as a means of helping more first time buyers in Brighton get onto the property ladder.

We tend to find, that the most popular schemes that we see first time buyers in Brighton making use of, have been the Help to Buy Equity Loan Scheme, which can help give you a boost to your deposit, and & the Right to Buy Scheme which allows tenants to purchase their rental property.

8 Reasons to Choose Us For Mortgage Advice in Brighton

Providing first time buyer mortgage advice in Brighton 7 days a week until late.

We understand that first time buyers in Brighton are entitled to a busy lifestyle, which is why we work around a time that suits you.

Book your free mortgage appointment to speak with a dedicated mortgage advisor in Brighton.

Our free mortgage appointments have no upfront fees payable. We only ask for payment upon mortgage success in Brighton!

You'll be paired with one of our dedicated case manager in Brighton.

From our mortgage administrator to our mortgage advisor in Brighton, you'll always know who you are dealing with and be kept in the loop at all times.

We're on your side, we work for you, providing open and honest first time buyer mortgage advice in Brighton.

Stepping into the mortgage world for the first time can be a daunting experience. Our team of mortgage advisors in Brighton will hold your hand throughout your mortgage process.

We provide jargon-free insurance advice in Brighton.

We'll recommend the most suitable insurance products, should you become seriously ill or unable to work and keep up with your repayments.

We search 1000s of potential first time buyer mortgage deals in Brighton.

As a mortgage broker in Brighton, we can find the most suitable mortgage deal for you - saving you time and money.

Our mortgage advisors in Brighton have experienced and knowledgeable with the different types of mortgages.

There is rarely a new situation that we haven't faced in the past, your mortgage advisor in Brighton will try their best to overcome any hurdles we face along your mortgage journey.

As a mortgage broker in Brighton, we will be with you throughout the entire journey.

From the first initial contact to completion, your mortgage advisors in Brighton will help you with any mortgage hurdles that you face along the way, such as property survey and valuation problems.

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We search 1000s of mortgage deals for first time buyers in Brighton

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UK Moneyman Limited is Registered in England, No. 6789312
Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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