Mortgage Broker Brighton

If you are a first time buyer in Brighton looking to start your mortgage journey and wanting to get onto the property ladder, our friendly team of mortgage advisors in Brighton will guide you along the entire process. We strive to make the mortgage process smooth and as stress-free as possible, sending you well on your way to receiving the keys to your dream home.

Not only can our mortgage advisors tell you the maximum amount you can borrow for a mortgage, but they can look at obtaining you an agreement in principle, to put you in a better bargaining position. We are typically able to obtain an agreement in principle within 24 hours of your initial appointment.

Many people say moving home in Brighton can be considered to the most stressful experiences in life. The main reason being is that you have both a purchase and sale to complete at the same time, which is why having a mortgage broker in Brighton by your side will be very beneficial.

Let us deal with the mortgage aspects to take the stress away, leaving you to focus more time on the move itself. We will support you throughout the entire process, answering any related questions that you may have along your journey.

Towards the end of your fixed term mortgage ending, you may need to think about your options. Our mortgage advisors in Brighton will assess your situation to see which remortgage options are better suited to recommend the next appropriate step for you to take.

We tend to find, that some customers like to remortgage to release equity for home improvements, while others remortgage to pay off any outstanding debts, and others do it to access better rates. Our team has much experience when dealing with remortgage-related situations so they can provide you with expert remortgage advice in Brighton, book your free remortgage review today, and let us see how we can help.

Our mortgage advisors in Brighton have had many years of experience working with budding and existing landlords, helping them obtain a buy to let mortgages in the past. Our advisors can find you the most suitable mortgage product for what you are looking to achieve with your investment purchases.

Some landlords return to us for our services to add more to their property portfolio or to remortgage a property they already have. We have also had scenarios where we’ve helped landlords who were looking to let out their current property to raise funds to purchase a new home to live in; this is called let to buy.

If you are looking to buy a property, our mortgage advisors in Brighton will be able to review your mortgage scenarios and check whether you are eligible to benefit from utilising the governments Help to Buy Scheme.

The maximum purchase price for a Help to Buy property depends on what region of England you live in, to find out more information about the Help to Buy Schemes, navigate through our service page or check out the government’s Own Your Home website.

There is always a misconception that self employed applicants find it more difficult to secure a mortgage. As long as you show strong evidence of your salary, previous years of accounts, bank statements, business operating costs, expenses, and most importantly prove that you can keep up with the monthly payments.

The good news is our mortgage advice team in Brighton has helped many self employed mortgage applicants and know the self employed mortgage criteria inside and out and what lenders look for.

You will be classed as self employed by most lenders if you own 20-25% of your business. If you are a sole trader, you will be assessed using your net profits.

Generally speaking, mortgage lenders will need information from you based on that period. Just make sure you have a good few years to help increase your chance of obtaining a mortgage.

The Right to Buy Scheme allows tenants in England to purchase their council property partially discounted, if they fit the criteria to be eligible for the scheme.

As long as you have spent at least several years renting from the local council or housing association and are secure tenants of council property, you may be eligible for the government Right to Buy Scheme. These years do not necessarily have to be consecutive, though this varies depending on the situation.

Make sure to check that you are eligible by requesting an application form from the council. If you qualify, you will receive an offer notice which sets out the property value and your discount. You then have a set period to accept this offer. Then the last step is to contact your mortgage broker in Brighton to check your affordability for a mortgage.