Looking for a Mortgage Broker in Crawley?
Our Company – Mortgage Broker in Crawley
Looking for a mortgage broker in Crawley? At Mortgage Pro Sussex, we provide clear, whole-of-market mortgage advice in Crawley and the surrounding areas, including Three Bridges, Pound Hill, Maidenbower, Ifield, Bewbush, Tilgate and Gatwick. Our team has over 13 years’ experience helping first-time buyers, home movers, landlords and remortgage clients find suitable deals.
Our aim is to help every client realise their property goals with friendly, transparent guidance. Getting a mortgage can feel complex—that’s why you’ll get ongoing access to experts you can trust, from your Agreement in Principle to completion.
We are whole-of-market brokers—meaning we review a wide panel of lenders (not just one bank) and can access options that aren’t always available on the high street. Your initial consultation is free.
Whether you’re buying your first home, remortgaging, or an experienced buy-to-let landlord, we’ll tailor recommendations to your circumstances. If you’re searching for a mortgage broker in Crawley, get in touch today.
Mortgages – Mortgage Broker in Crawley
First-Time Buyers
If you’re a first-time buyer in Crawley or areas such as Three Bridges, Pound Hill, Maidenbower, and Ifield, we’ll help you take your first step on the property ladder with confidence. Understanding deposits, borrowing limits and which lenders will support your application can feel daunting. As trusted mortgage brokers in Crawley, we’ll explain everything clearly and match you with the most suitable mortgage options. We also provide guidance on government schemes and exclusive deals for first-time buyers, ensuring you secure a competitive product that makes your move affordable and stress-free.
Homemovers
If you’re contemplating a house move in or around Crawley, it can be hard to know where to start.
- How much is my home worth now?
- What are the costs involved?
- How much can I borrow?
- What will the monthly mortgage payments be?
We’ll provide a full advice and recommendation service to answer your questions and keep the process clear and simple. We can also assist with porting your mortgage (moving your current deal to a new property) where appropriate.
To protect your plans, we’ll review your existing protection insurance to ensure it still suits your needs, and recommend updates if required.
Remortgage
Are you currently paying your lender’s Standard Variable Rate (SVR), or approaching the end of a fixed rate?
When your fixed deal ends you’ll typically move to SVR, which may be higher than your current rate. We can start your remortgage up to 6 months in advance, allowing you to secure a new product that will begin after your current deal ends (so early repayment charges no longer apply). Locking in the right deal at the right time can save money.
If staying with your current lender is best after assessment, we can arrange a product transfer. We can also explore raising capital (a further advance) for home improvements, weddings or debt consolidation—always with careful affordability checks.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
We’ll guide you from the initial review to your new rate. If you need a mortgage broker in Crawley, we’re here to help.
We also offer a financial review of your protection insurance to ensure ongoing suitability.
Buy to let
Buying a property to let is an investment decision—speaking to an experienced buy-to-let mortgage broker in Crawley is essential.
With evolving criteria and stress-tests in recent years, expert advice matters. We access competitive options from leading lenders and can arrange buy-to-let mortgages in your personal name or via a limited company, depending on your goals.
We help with first-time landlords, holiday lets, and portfolio refinancing or expansion. If you own 4+ mortgaged BTL properties, you may be classed as a portfolio landlord—lenders will assess the overall strength of your portfolio, which can be paperwork-heavy. We’ll manage that process.
No matter how complex your case, we’ll work to find a suitable solution or advise on the next best alternative.
The Financial Conduct Authority does not regulate some forms of Buy to Let. Your property may be repossessed if you do not keep up repayments on your mortgage.
Shared ownership
Shared Ownership can help those with smaller deposits or affordability constraints purchase a share of a property, with the remainder owned by a housing association. You’ll pay rent on the share you don’t own.
If you start with, say, 25% and your circumstances improve, many schemes allow you to staircase (increase your share) to 50%, 75% or even 100% over time—reducing rent as your owned share increases. We’ll explain eligibility, local availability around Crawley and the mortgage options to suit your budget.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Contractors
What is the definition of a contractor?
A contractor typically works on a day-rate and provides a professional service—e.g. consultancy, project management, business analysis, IT, marketing or sales—via a limited company or umbrella arrangement.
What is a contractor mortgage and how do I get one?
There isn’t a special “contractor mortgage,” but lenders assess income differently. Some require up to 3 years’ history and accounts; others can consider your current day rate and contract length. We’ll identify which lenders match your profile and documents.
Lenders may also consider:
- How long you’ve been contracting
- Whether you were previously employed in the same field
- Time remaining on your current contract
- Whether your client has extended your contract before
We’ll package your case correctly to improve clarity and speed.
Specialist Lending – Mortgage Broker in Crawley
Large Loans
- Typically applies when borrowing £1m+
- Private Banks may be more suitable for very high loans
- £500k+ cases can go to high-street premier underwriting teams
- Criteria and terms differ significantly by lender type
For high-value loans, we start with your objectives, background and plans, then align lenders accordingly. For High Net Worth clients, some lenders offer more flexibility.
With larger loans, affordability modelling can be more sophisticated. We’ll consider both high-street and private bank routes to pursue the best overall outcome for your situation.
Adverse credit
If you’ve had credit issues in the past, you may worry about getting approved or finding an affordable deal. Lenders will review income, outgoings, deposit and your credit history closely. Even when accepted, bad-credit rates can be higher.
We have experience sourcing mortgages for adverse credit clients and know which lenders are more flexible for different scenarios. We’ll assess your case and recommend a realistic path forward.
Bridging finance
If you’ve found your next home but haven’t sold your current one, bridging finance can help you complete the purchase while you finalise the sale.
Bridging loans are short-term solutions with higher rates and fees than standard mortgages, so it’s important to understand the exit strategy and timescale. They’re often used for relocations, chain breaks, auction purchases or time-sensitive investments.
We’ll explain the options, costs and criteria, and match you to lenders that fit your circumstances.
Second Charge
Second charge mortgages (second mortgages) allow you to borrow against your home while keeping your existing first mortgage. This can be useful for home improvements, consolidating certain debts, or where your current deal has high early repayment charges.
We’ll compare the pros and cons of second charge vs remortgage, assess affordability and credit profile, and help you choose a suitable route.
Second charge applications are assessed similarly to standard mortgages, considering income, credit history and overall affordability.
The Financial Conduct Authority regulates secured loans. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Commercial
Commercial mortgages are used to acquire, refinance or redevelop business property. They can also support broader objectives such as investment in equipment or staffing, depending on the lender and structure.
As with residential, the property typically acts as security. Lenders are selective, so matching your business to a lender with compatible criteria is crucial.
Before proceeding, providers will consider:
- The value of the asset(s)
- The security/guarantees offered (personal guarantees are common)
The Financial Conduct Authority does not regulate commercial lending.
Self Build
What is a self-build mortgage?
Self-build mortgages release funds in stages rather than a single lump sum. Some lenders also lend towards the plot purchase, but not all. Rates and fees vary, and you’ll need detailed plans, costings and contingencies.
What is the best self-build mortgage for me?
There are two main types:
- Arrears – funds released after each stage; suits those with upfront capital
- Advance – funds released at the start of each stage; helps with cash flow, but fewer lenders offer it
Some lenders will also lend towards the plot or an existing property and then fund build stages. Typical parameters include:
- 75–90% of valuation or purchase price (whichever is lower)
- 80–90% of build costs
- ~75% of uplift in value at agreed milestones
Features vary (fixed rates, SVR discounts, trackers, offsets). Common build stages include: buying the land, foundations, first-floor joists, wall plates, roof on (wind/watertight), plastering, completion.
Our specialist advisers will explain options and structure the application.
Insurance – Mortgage Broker in Crawley
Life Insurance
Life insurance protects your family if you die during the policy term. You can choose cover to repay the mortgage only or a higher amount to support wider living costs. Policies can be level term, decreasing term (often aligned with a repayment mortgage) or whole of life.
We’ll help you decide whether you need cover, the right benefit level and term, and compare suitable providers.
Critical Illness Cover
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a specified serious illness (subject to policy terms and definitions). It can help you meet mortgage payments or fund home adaptations if circumstances change.
Income Protection
If illness or injury stops you working, income protection provides a monthly income until you return to work or the policy ends (subject to terms). It’s designed to protect your essential outgoings when savings alone may not be enough.
Family Income Benefit
Family Income Benefit pays a regular monthly income (rather than a lump sum) to your family if you die during the policy term—helping with ongoing living costs. It’s a cost-effective way to protect your household budget.
Testimonials
“Richard has been so helpful on several mortgages over the years — I’ve returned each time and plan to do the same next time round. He answered every question and kept communication clear.”
— Charlie R, J, f, 23
“The best mortgage advisor you’ll speak to. Incredible service and 100% effort to secure the best mortgage possible. Thank you for helping us into our first home!”
— Jordan P, J, f, 23
“Richard helped with my first purchase and has been my go-to adviser ever since. He explains anything confusing and genuinely wants you to achieve your goals — a true professional.”
— Daniel C, J, f, 23
“Richard was amazing — available for our many questions and kept us calm throughout. I’ve already recommended him to friends. Fantastic.”
— Susan H, J, f, 23
Get in touch
Mortgage Broker in Crawley – we’re predominantly an online and telephone-based brokerage with flexible appointments.