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Mortgage Broker in Horsham

Let us guide you through the entire mortgage process. We can help with:

  • Working out what you could borrow
  • Securing your AIP within 24 hours
  • Finding you the most suitable mortgage
  • Navigating complicated scenarios

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Looking for expert mortgage advice in Horsham?

The mortgage process can feel complicated, but a mortgage broker in Horsham like us can make it much easier.

Whether you’re buying your first home, moving to a new property, investing in buy to let opportunities, or looking to remortgage, personalised mortgage advice can help you secure a mortgage that suits your needs.

By taking the time to understand your financial situation and future plans, our team can search the market for deals that match your circumstances.

Our Customers Rate us 4.9/5

Our Customers Rate us 4.9/5
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Speak With a Mortgage Advisor in Horsham - It's Free!

Getting expert mortgage advice in Horsham is straightforward. We have appointments available seven days a week, including evenings, giving you the freedom to explore your options at a time that fits your schedule.

During your appointment, one of our mortgage advisors in Horsham will review your financial situation and guide you through a wide range of mortgage products.

Their support ensures the process is smooth from your first conversation all the way through to securing your mortgage.

Appointments 7 Days a Week

Appointments 7 Days a Week
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Facing a complicated mortgage situation in Horsham?

If your situation is a bit more complex, such as being self employed, purchasing a unique property, or dealing with credit challenges, a mortgage broker in Horsham like us can still help.

We have the knowledge to connect you with lenders who offer products tailored to specific needs.

From first time buyers with limited income histories to those looking for specialist solutions, having the right support can make a big difference.

Explore 1000s of Mortgage Options

Explore 1000s of Mortgage Options
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What can we help you with today?

I Want Buy My First Home in Horsham

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Buying a home as a first time buyer is an exciting milestone, but it often comes with questions about affordability, deposits, and how to secure the right mortgage.

These challenges are common, but having the right support can make the process much easier.

As your mortgage broker in Horsham, we can help you navigate each step, breaking down complex details into clear, straightforward advice.

We will also explore 1000s of mortgage options to find the one most appropriate to your circumstances, including if you’re self employed.

I'm Looking at Moving Home in Horsham

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Whether you’re upsizing, downsizing, or relocating, securing a mortgage that fits your current situation is key to a smooth move. The right mortgage can help ease the transition and give you peace of mind during what can be a busy time.

Our mortgage advisors in Horsham will review your current mortgage to see if it can be transferred to your new property. If not, they’ll search the market for new deals that suit your financial situation, considering factors like income, credit history, and deposit.

This ensures your mortgage supports your plans, which makes moving home as straightforward as possible.

I Want to Remortgage in Horsham

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When your fixed-rate mortgage ends, you could face higher costs if you move onto a standard variable rate. Remortgaging can help you avoid this and could also reduce your monthly payments, unlock equity for home improvements, or consolidate debts into a more manageable structure.

Speaking to an expert will allow you to assess your current deal and compare a range of new options. By reviewing your financial situation, they’ll help you find a mortgage that offers better value and suits your future plans.

I Am Looking For a Buy to Let Mortgage in Horsham

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If you’re looking to invest in property, securing the right buy to let mortgage is key to maximising your returns.

While many lenders require a 25% deposit, some options with smaller deposit requirements are available depending on your circumstances.

As your mortgage broker in Horsham, we can help you understand the different products available, taking into account factors such as rental income, personal finances, and the type of property you’re purchasing.

I Want to Learn About the Different Mortgage Schemes

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Government schemes can offer valuable support to homebuyers looking for more accessible routes to property ownership. Some of the most popular schemes include:

  • Right to Buy: For eligible council or housing association tenants, allowing you to purchase your home at a discounted price.
  • Shared Ownership: Enables you to buy a share of a property while paying rent on the remaining portion, with the option to increase your share over time.
  • Lifetime ISA: A savings account designed to help first-time buyers build a deposit, with government contributions to boost your savings.

We can walk you through each of these schemes, explaining how they work and helping you determine which options could best help you.

I'm Self Employed and Are Looking For a Mortgage in Horsham

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If you’re self employed, securing a mortgage can feel more challenging, especially when it comes to proving your income. While many lenders prefer to see two years of accounts, there are options available even if your trading history is shorter.

A mortgage broker in Horsham like us can help you find lenders who understand self employed income structures, including those based on dividends or retained profits.

They’ll work with you to identify mortgage options that reflect your financial situation, making the process feel less complicated.

I'm Looking For a Mortgage Over 55 in Horsham

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For individuals aged 55 and over, tailored mortgage solutions can unlock new financial possibilities. These options often focus on supporting long-term plans or making the most of existing property equity. Popular choices include:

  • Retirement Interest Only Mortgages (RIO): These allow borrowers to make monthly interest payments, with the loan amount repaid when the property is sold.
  • Equity Release: A way to access cash tied up in your property while retaining ownership.
  • Lifetime Mortgages: A form of equity release offering flexibility, such as optional repayments to manage the loan balance.

Getting mortgage advice in Horsham can help you explore these options, ensuring you select the right product for your current and future financial situation.

I Want to Know If I Can Get a Mortgage With Bad Credit in Horsham

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If you’ve experienced financial difficulties, such as missed payments or County Court Judgments (CCJs), securing a mortgage can feel more complicated.

Despite these challenges, there are mortgage lenders who offer products specifically designed for people with adverse credit histories.

Our mortgage advisors in Horsham can connect you with lenders who are experienced in working with applicants in similar situations.

By considering your income, deposit size, and credit history, they’ll help you find a mortgage that fits your current circumstances, keeping the possibility of homeownership within reach.

I'm Looking For a Bridging Loan in Horsham

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Bridging loans offer a short-term solution when you need quick access to funds, such as when buying a new property before selling your current one or financing property renovations.

These loans are designed to bridge financial gaps, providing flexibility when timing is critical.

As a mortgage broker in Horsham, we can help you find a bridging loan that suits your needs, reviewing key factors such as the loan amount, your financial situation, and your repayment strategy.

8 Reasons to Choose Us

Mortgage advice in Horsham 7 days a week

Our expert mortgage advisors in Horsham are available every day, including weekends, so you can get the advice you need at a time that suits you.

Free mortgage appointment with a mortgage advisor in Horsham

Book a no-obligation mortgage appointment and receive expert guidance without any upfront costs.

Paired with a dedicated case manager

From application to approval, your personal case manager will keep everything on track and provide regular updates.

We're on your side, we work for you!

Unlike banks and lenders, we work solely in your best interests to find the most suitable mortgage for your needs.

Responsive, 5 star service

We pride ourselves on delivering fast, friendly service, backed by excellent customer reviews and ratings.

We search 1000s of mortgages

With access to a vast range of lenders, we compare thousands of mortgage products to find the right deal for you.

Over 20 years experience

Our mortgage experts have decades of industry knowledge, helping customers across Horsham secure the right mortgage.

Support from start to finish

Whether you’re a first time buyer, remortgaging or moving home, we’ll be with you every step of the way.

Answering Common Mortgage FAQs in Horsham

How much can I borrow for a mortgage in Horsham?

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When it comes to mortgages, the amount you can borrow depends on a mix of factors, including your income, regular outgoings, and how much deposit you’ve saved.

Most lenders base their calculations on around four to 4.5 times your annual income, though this can vary depending on your financial situation.

If you’re self employed, lenders may look at an average of your recent income to assess what’s affordable for you.

Getting mortgage advice in Horsham can give you a closer look at your finances, helping you find the most suitable mortgage product for your situation.

What deposit do I need to buy a home in Horsham?

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While it’s possible to get a mortgage in Horsham with just a 5 percent deposit, having more saved can open doors to better interest rates.

A deposit of 10 percent or more often gives you access to more competitive deals, potentially saving you money in the long run.

For those with more complex financial situations, such as being self-employed or having credit issues, lenders may prefer a deposit of 10 to 15 percent.

As your mortgage broker in Horsham, we can talk you through your options, including alternative routes like shared ownership or using gifted deposits to help secure the right mortgage for you.

Can I get a mortgage in Horsham if I’m self employed?

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If you’re self employed, applying for a mortgage can involve extra steps compared to salaried applicants.

Lenders will want to see proof of your income, which could include tax returns, business accounts, and bank statements to assess affordability.

Our mortgage advisors in Horsham are experienced in working with self employed applicants, even if your trading history is short or your income comes from multiple sources.

How does remortgaging work, and when should I do it?

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If your fixed-rate mortgage deal is coming to an end, or you’re looking to reduce your monthly payments, remortgaging could be a smart move.

It’s also a good option if you want to release equity from your home for renovations or to consolidate debt.

Before offering a remortgage, lenders will review your income, credit history, and overall affordability.

Our mortgage advisors in Horsham can compare deals from a range of lenders to find one that fits your current financial goals.

What mortgage options are available for first time buyers in Horsham?

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Saving for a deposit is one of the biggest steps for first-time buyers, but there are ways to make it more manageable.

Some lenders offer mortgages with just a 5 percent deposit, while government-backed schemes like Shared Ownership and the Lifetime ISA can provide additional support.

Getting mortgage advice in Horsham can help you understand how much you might be able to borrow and what deposit options are available.

With the right support, buying your first home can feel more achievable.

Can I get a mortgage in Horsham with bad credit?

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If you’ve had financial setbacks in the past, such as missed payments or County Court Judgments (CCJs), getting a mortgage might seem challenging.

The good news is there are lenders who specialise in products designed for people with adverse credit histories.

A mortgage broker in Horsham like us can help you find lenders who are open to considering your situation.

By looking at factors like your income, deposit size, and credit background, we can help you find a mortgage that fits your current circumstances.

How do buy to let mortgages work for landlords?

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Buy to let mortgages are designed for landlords looking to purchase or refinance rental properties.

Most lenders require a deposit of around 25 percent, although some may accept a smaller deposit depending on the property and your financial situation.

If you’re planning to grow your portfolio, remortgaging an existing property can help release equity to fund new investments.

Getting mortgage advice in Horsham will help you through the entire process and find mortgage deals that support your long-term investment plans.

Why should I use a mortgage broker in Horsham instead of going to a bank?

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Working with a mortgage broker in Horsham like us gives you access to a wide range of lenders, including those who specialise in self employed mortgages, buy to let products, and options for applicants with adverse credit.

Banks are only limited to their own, in-house products, meaning that you can never be sure whether you are getting the best deal in the market.

From managing paperwork to comparing deals and liaising with lenders, our job is to provide support through the whole process. This helps take the stress out of what can be a complex process.

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