Mortgage Broker in Brighton

Buying your first home is an exciting milestone, but it can also feel overwhelming – especially if you’re unsure where to start.

From understanding mortgage affordability to saving for a deposit, there’s a lot to consider. That’s where speaking to a mortgage broker in Brighton can make all the difference.

As a first time buyer in Brighton, one of the biggest hurdles is securing a mortgage with the right deposit. Most lenders require at least 5% of the property value, though a larger deposit could unlock better interest rates. If you’re self-employed, lenders may ask for at least two years’ worth of accounts to assess your income stability. If you have less than two years of trading history, there may still be options available—this is where expert mortgage advice is invaluable.

Beyond the deposit, lenders will look at your income, credit history, and overall financial commitments to determine how much you can borrow. A mortgage broker in Brighton can help you understand your borrowing potential, find the most suitable deal, and even secure an agreement in principle – a vital step before making an offer on a property.

Navigating the mortgage process for the first time doesn’t have to be stressful. With access to thousands of mortgage products, we’ll take the time to understand your situation and guide you every step of the way. Book a free mortgage appointment today, and let’s get you on the property ladder with confidence.

Moving home in Brighton comes with plenty of decisions, especially when it comes to your mortgage. Whether you are upsizing, downsizing or relocating, getting the right mortgage deal can make all the difference. That is where expert mortgage advice in Brighton can help.

If you already have a mortgage, you might be able to port it to your new home. This means transferring your current deal to a new property, which could help you avoid early repayment charges. Not all mortgages are portable, and you will still need to pass affordability checks. If porting is not an option, finding a new mortgage might be the better route.

Lenders will assess your income, deposit and credit history to determine how much you can borrow. If you are selling, the equity from your current home could form your deposit for your next property. If you are moving within a fixed-rate term, it is worth checking for early repayment charges.

As a mortgage broker in Brighton, we can help you find the best approach for your move. Book a free mortgage appointment today and let us take the stress out of moving home in Brighton.

Remortgaging can be a smart way to secure a better deal, release equity, or adjust your mortgage to suit your current needs. Whether your fixed-rate term is ending, you want to reduce your monthly payments, or you need funds for home improvements, exploring your remortgage options could save you money in the long run.

If your fixed deal is coming to an end, your lender will likely move you onto their standard variable rate (SVR), which can be more expensive. Switching to a new deal before this happens can help keep your repayments as low as possible. If you are looking to borrow more, a remortgage could allow you to release equity from your home for renovations, debt consolidation or other financial goals.

Lenders will assess your income, credit history and overall affordability before offering you a new deal. If your circumstances have changed, such as a new job or increased expenses, this could impact the rates available to you. That is where speaking to a mortgage broker in Brighton can help.

We will compare thousands of remortgage deals to find the most suitable option for your needs. Book a free mortgage appointment today and see how much you could save with a remortgage in Brighton.

Investing in property can be a great way to generate income, but finding the right buy to let mortgage in Brighton is key to making it a worthwhile investment. Whether you are a first time landlord or expanding your portfolio, getting expert mortgage advice in Brighton can help you secure the most suitable deal.

Lenders will assess your expected rental income, personal income and deposit when deciding how much you can borrow. Most buy to let mortgages require at least a 25% deposit, though some lenders may accept less. Your credit history and experience as a landlord can also influence the mortgage products available to you.

If you already own rental properties, you might be looking to remortgage for a better rate or raise funds to invest in another property. There are also options for landlords using limited company structures, which can sometimes offer tax benefits.

As a mortgage broker in Brighton, we will explore thousands of buy to let mortgage products to find the most suitable option for you. Book a free mortgage appointment today and take the next step in your investment journey.

Mortgage schemes can make buying a home more accessible, whether you are a first-time buyer or moving to a new property. Various government-backed options are available to help with affordability, from lower deposit requirements to shared ownership opportunities.

• Right to Buy – If you are a council or housing association tenant, this scheme could allow you to purchase your home at a discounted price, making homeownership more affordable.
• Shared Ownership – This allows you to buy a percentage of a property (usually 25–75%) while paying rent on the remaining share. Over time, you can increase your ownership through a process called staircasing.
• Lifetime ISA – A government-backed savings account where first-time buyers can save towards a deposit, with a 25% bonus added to their savings, up to £1,000 per year.

Understanding which schemes you qualify for can be complex. As a mortgage broker in Brighton, we will explore all available options to find the most suitable route for you. Book a free mortgage appointment today and take the next step towards homeownership.

Getting a mortgage when you’re self employed in Brighton can feel more complicated, but with the right guidance, it doesn’t have to be. Lenders assess self employed applicants differently from those in traditional employment, focusing on income stability, trading history, and affordability. As a mortgage broker in Brighton, we can help you find the most suitable mortgage based on your circumstances.

Most lenders require at least two years of accounts or tax returns to prove your income. However, if you have one year’s accounts or a growing business, there may still be options available. Some lenders will also consider retained profits and dividends if you operate through a limited company.

We’ll search 1000s of mortgage products to find the best deal for your circumstances, ensuring you have access to lenders who understand self employed income. Book a free mortgage appointment today, and let’s find the right mortgage for you.

Getting a mortgage over 60 is more common than you might think, whether you are looking to remortgage, release equity, or buy a new home. There are several options available depending on your financial situation and future plans.

• Retirement Interest Only (RIO) Mortgages – These work similarly to standard interest-only mortgages but are designed for older borrowers. You only pay the interest each month, with the loan repaid when you sell the property, move into long-term care, or pass away.
• Equity Release – This allows homeowners aged 55 and over to unlock some of the value tied up in their property without needing to move. The money can be taken as a lump sum or in smaller amounts over time, with the loan repaid when the property is sold.
• Lifetime Mortgages – A type of equity release where you borrow against your home while retaining full ownership. Interest can roll up over time, with the loan settled when you sell or pass away. Some plans allow optional repayments to manage the balance.

Choosing the right later life mortgage depends on your personal circumstances, and it is important to consider the long-term impact.

As a mortgage broker in Brighton, we can guide you through your options and help you find the most suitable solution. Book a free mortgage appointment today to discuss your later life mortgage needs.

Having a history of missed payments, defaults, CCJs, or a low credit score can make getting a mortgage feel difficult, but it doesn’t mean you’re out of options. Many lenders offer specialist mortgages for applicants with adverse credit, and as an experienced mortgage broker in Brighton, we can help you find the most suitable deal.

Lenders assess applications differently, so even if you’ve been declined elsewhere, you may still be eligible. Whether you need a mortgage with bad credit, debt consolidation, or a low deposit, we’ll search thousands of products to find the right solution for your circumstances.

If you’re worried about your credit history affecting your mortgage chances, speak to a mortgage advisor in Brighton today. Book a free mortgage appointment, and let’s explore your options together.

A bridging loan is a short-term financing option designed for buyers, investors, and developers who need quick access to funds. These loans are commonly used to secure a property before selling another, buy an auction property, or finance renovations that a traditional mortgage wouldn’t cover.

Bridging loans are secured against property, and lenders will consider the loan amount, exit strategy, and your financial situation before approving the loan. They can be arranged quickly, making them ideal for time-sensitive transactions.

If you need specialist bridging finance, our mortgage advisors in Brighton can help you find a lender that meets your requirements. Book a free mortgage appointment today to explore your options.