Welcome to Mortgage Pro Sussex – Your Trusted Mortgage Adviser in Brighton
Our Company – Mortgage Adviser in Brighton
Mortgage Adviser in Brighton – At Mortgage Pro Sussex, we deliver whole-of-market mortgage advice to first-time buyers, home movers, remortgage clients and landlords across Brighton & Hove, including Hove, Kemptown, Seven Dials, Preston Park, Hangleton, Portslade, Rottingdean and Saltdean. We tailor recommendations to your budget, timeline and property goals, then manage the paperwork so your application runs smoothly from Agreement in Principle to completion.
We combine local knowledge with access to a wide panel of lenders, including options you may not find directly. Your initial consultation is free, and our advice is clear, personal and jargon-free.
Why Choose Mortgage Pro Sussex?
Choosing the right mortgage in Brighton’s competitive market can be challenging. As your independent mortgage adviser in Brighton, we make it simpler with expert research, honest guidance and responsive support.
1. Whole-of-Market Access
We’re not tied to one bank. We compare a broad range of lenders to help you secure suitable rates and product features (fixed or tracker, offset options, fee structures, overpayment allowances and more). Our goal is to match the product to your priorities, not the other way around.
2. Local Brighton Expertise
From Regency townhouses to seafront apartments, Brighton property can be unique. We factor in local considerations—lease lengths, service charges, conservation areas, and lender criteria on flats vs. houses—so your application is packaged right first time.
3. Personalised Service
Every client’s situation is different. We’ll assess your income, deposit, credit profile and future plans to recommend a route that balances affordability today with flexibility tomorrow. Expect proactive updates and clear next steps at each stage.
4. Expertise Across Mortgage Types
- First-Time Buyer Mortgages – step-by-step guidance, realistic borrowing estimates and support with available government-backed schemes.
- Remortgaging – review your rate, term or lender; consider product transfers vs. switching; explore equity release for improvements.
- Buy-to-Let – personal or limited company structures, stress tests and rental yield considerations.
- Self-Employed & Contractors – experience with day-rate and accounts-based underwriting.
- Specialist Cases – adverse credit, second charge, bridging finance and unusual property types.
5. A Hassle-Free Process
We handle the detail—lender research, DIP/AIP, application packaging, valuation follow-up and liaison with solicitors and agents—so you can focus on your move.
Mortgage Adviser in Brighton – Our Services
Whatever stage you’re at—planning, offering, remortgaging or investing—we’ll tailor advice and compare the market to find a suitable option.
First-Time Buyer Mortgages
We’ll calculate realistic borrowing, explain deposit options and product types, and help secure a strong Agreement in Principle so you can view with confidence. We’ll also walk you through total monthly costs and what happens at valuation and offer stages.
Remortgaging
Approaching the end of a fixed rate or already on your lender’s SVR? We can review the market up to 6 months in advance, compare a switch to a new lender vs. a product transfer with your current lender, and help structure terms that fit your goals (lower payments, shorter term, or funds for improvements).
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Buy-to-Let Mortgages
Brighton’s rental market is dynamic. We’ll discuss stress-rate testing, ICR, expected yields and whether a personal name or limited company structure is more appropriate. We also help portfolio landlords meet documentation requirements efficiently.
Self-Employed & Contractor Mortgages
From day-rate contractors to directors drawing salary and dividends, we’ll match you with lenders whose criteria align with how you earn—minimising friction and clarifying documents needed (accounts, SA302s, contracts).
Bad Credit & Specialist Mortgages
Missed payments or historic defaults don’t necessarily stop you getting a mortgage. We’ll assess your profile and approach lenders more open to complex cases. We can also advise on bridging finance and second charge where appropriate.
Why Brighton?
Brighton & Hove blends seaside living with excellent transport links, a thriving cultural scene and strong rental demand. Popular areas include Kemptown, Seven Dials, Hove, Preston Park, Hanover, Hangleton, Portslade, Rottingdean and Saltdean. Whether you’re settling here or investing, we’ll align mortgage options with local property realities.
Mortgage Adviser in Brighton – How We Work
Step 1: Initial Consultation
A free, no-obligation chat to understand your goals, timeframe and budget. We’ll outline likely options and answer your immediate questions.
Step 2: Research & Recommendation
We compare lenders and products, then present a clear recommendation—rate, fees, term and reasons—so you can decide with confidence.
Step 3: Application Support
We prepare and submit your application, liaise with the lender, monitor valuation and keep you updated through to offer.
Step 4: Completion & Beyond
We coordinate with your solicitor/agent to completion and diarise future reviews so you don’t drift onto a higher SVR.
Contact Mortgage Pro Sussex Today
Ready to explore your options with a friendly mortgage adviser in Brighton? We’ll compare the market and provide clear, tailored advice.
Phone: 01903 951200 | Email: info@mortgageprosussex.co.uk
Frequently Asked Questions
How much can I borrow as a first-time buyer in Brighton?
Affordability depends on income, commitments and deposit size. We’ll provide an estimate and secure an Agreement in Principle so you can view and offer with confidence.
When should I start my remortgage?
Typically up to 6 months before your current deal ends. Starting early helps avoid moving onto the lender’s SVR and can save money.
Do you advise on buy-to-let in Brighton & Hove?
Yes—personal or limited company routes, lender stress tests and expected yields. We’ll help structure your application and documentation.
Can you help if I’m self-employed or a contractor?
Absolutely. We work with lenders that accept day rates or accounts-based assessments and will advise on the documents they’ll require.
Testimonials
Richard has been so helpful on several mortgages over the years, I’ve returned to Richard each time, and plan to do the same next time round.
He has always been able to answer any questions I have had, no matter how silly they may seem.
Great levels of communication.
The best mortgage advisor you will ever speak to. Incredible service and puts 100% into getting you the best mortgage possible. Thank you so much for your help getting us into our first home!
Richard, has helped with my first time purchase, mortgage and everything else that went with it. He has continued to be my go to advisor since my first mortgage. He is always extremely helpful, happy to talk through elements that may be confusing and wants to see you achieve your goals. A true professional.
Richard was amazing, he really helped us every step of the way, he was always available to answer our million questions and managed to keep me calm through what I thought would be a stressful process. I have already recommended him to a number of my friends. Fantastic.
Get in touch
Independent mortgage adviser in Brighton – we’re predominantly an online and phone-based brokerage with flexible appointments.
Mortgage Adviser in Brighton
Brighton is a seaside city within Brighton & Hove, East Sussex, around 47 miles south of London. Its housing stock ranges from period homes to new-build apartments—each with different lender criteria. Wikipedia