Expert Mortgage Broker for First Home Buyers in Lewes
Get on the Property Ladder with Confidence
Buying your first home in Lewes is one of the most exciting—and sometimes overwhelming—milestones of your life. At Mortgage Pro Sussex, we specialise in helping first-time buyers take their first confident step onto the property ladder. As experienced mortgage brokers in Lewes, we understand the challenges new buyers face and are here to guide you every step of the way.
Whether you’re navigating confusing mortgage terms, unsure of how much you can borrow, or struggling with deposit requirements, our team is here to provide expert advice and personalised support.
Why Use a Mortgage Broker as a First-Time Buyer in Lewes?
As a first home buyer, the mortgage market can seem like a maze of jargon, paperwork, and strict criteria. That’s where a trusted mortgage broker becomes invaluable. Here’s how we make a difference:
1. Access to Exclusive Mortgage Deals
We work with a wide range of lenders—from high-street banks to niche providers—which means we can often access deals that aren’t available directly to the public. This could include mortgages with lower rates, smaller deposit requirements, or more flexible lending criteria.
2. Tailored Advice Based on Your Circumstances
As a first-time buyer in Lewes, your financial situation might be less straightforward—perhaps you’re self-employed, have a lower credit score, or need help from family for a deposit. We assess your full financial picture and find lenders that match your needs.
3. We Do the Heavy Lifting
From completing forms and chasing up paperwork to liaising with solicitors and estate agents, we handle the admin so you can focus on finding the perfect home. Our goal is to make the process as stress-free as possible.
How Much Can You Borrow as a First-Time Buyer?
Mortgage affordability depends on several factors including your income, outgoings, credit history, and deposit amount. Most lenders offer up to 4–4.5 times your annual salary, though this can vary.
At Mortgage Pro Sussex, we provide free affordability checks and mortgage-in-principle certificates to help you understand what you can afford before you even start viewing properties in Lewes.
What Deposit Do You Need?
Traditionally, first-time buyers were expected to put down at least 10% of the property value. However, with recent government schemes and specialist products, it’s possible to get a mortgage with as little as 5% deposit.
We’ll explain all your options, including:
- 5% deposit mortgages
- 100% mortgages (with a guarantor or family support)
- Help to Buy and shared ownership schemes
- Gifted deposits from family members
First-Time Buyer Mortgage Schemes Available in Lewes
There are several initiatives aimed at helping first-time buyers in Lewes, including:
Help to Buy: Equity Loan
Borrow up to 20% of the property value (40% in London) interest-free for 5 years. Only a 5% deposit is required.
Shared Ownership
Buy a portion of the property (usually 25–75%) and pay rent on the remainder. A great option if your budget is tight.
First Homes Scheme
Offers newly built homes at a discount of 30% or more for first-time buyers and key workers.
Family Assisted Mortgages
Ideal if a relative can help—either by providing a deposit, using their property as security, or contributing to monthly repayments.
We’ll check your eligibility and handle all the paperwork to get you into your first home faster.
The Lewes Property Market – What to Expect
Lewes is an increasingly popular choice for first-time buyers thanks to its affordable homes, good transport links, and vibrant community. Whether you’re looking for a modern apartment, a starter terrace, or a new-build home, there’s something to suit all tastes and budgets.
Local neighbourhoods are particularly attractive to young professionals and new families thanks to their combination of value and convenience.
Our team has in-depth knowledge of the local market, ensuring we can offer advice that’s not just financially sound—but also tailored to life in Lewes.
Our First-Time Buyer Mortgage Process
Step 1: Free Initial Consultation
We offer a no-obligation chat to understand your financial situation, answer your questions, and outline your mortgage options.
Step 2: Affordability Check & Mortgage-in-Principle
We’ll assess your income and credit profile to give you a realistic budget and a mortgage-in-principle you can show estate agents.
Step 3: Match with the Best Lender
Using our network of lenders, we’ll find the mortgage product best suited to your needs, and explain all terms clearly.
Step 4: Application Support
We’ll complete and submit your mortgage application, provide supporting documents, and stay in touch with all parties until the mortgage offer is issued.
Step 5: Home Ownership!
Once your mortgage offer is accepted and legal checks are complete, you can collect your keys and move into your new home.
Why Choose Mortgage Pro Sussex in Lewes?
✔ Specialists in First-Time Buyer Mortgages
✔ Whole-of-market access to lenders
✔ Friendly, jargon-free advice
✔ Local knowledge of Lewes housing market
✔ Support from start to finish—at no extra cost
We understand how nerve-wracking buying your first home can be. That’s why we’re dedicated to making it simple, affordable, and even enjoyable.
Ready to Buy Your First Home in Lewes?
Let Mortgage Pro Sussex guide you every step of the way. We’ll find the right mortgage, explain everything clearly, and make sure you’re supported throughout the process.
Get in touch today for a free, no-obligation chat with a first-time buyer mortgage broker in Lewes. We’re here to help you make smart decisions and get the keys to your first home.
Get in Touch Today
Whether you’re buying your first home, remortgaging, or moving house, we’re here to help you secure the best fixed rate mortgage in Lewes.
📞 Call Us: 01903 951200
📧 Email: richard@mortgageprosussex.co.uk
🌐 Visit: www.mortgageprosussex.co.uk
Lewes
Lewes is the county town of East Sussex, England, steeped in history with its Norman castle, historic buildings, and vibrant cultural scene. Wikipedia