Looking for a Mortgage Broker in Horsham?

Our Company – Mortgage Broker in Horsham

Looking for a mortgage broker in Horsham? At Mortgage Pro Sussex, we provide friendly, independent mortgage advice in Horsham and the surrounding areas including Southwater, Broadbridge Heath, Roffey, Littlehaven, Warnham, Faygate and Billingshurst. With more than 13 years’ experience, we’ve supported first-time buyers, movers, landlords and remortgage clients across West Sussex.

Our focus is to help every client reach their homeownership goals with clear, trustworthy guidance. Mortgages can be confusing, but we’ll give you personal support from your first Agreement in Principle to the day you complete.

As whole-of-market mortgage advisers, we compare lenders across the market, not just one bank. This means access to deals you won’t always find directly. Your first consultation is free.

Whether you’re buying your first property, switching mortgages, or growing your investment portfolio, we’ll tailor our advice to suit your circumstances. If you’re searching for an experienced mortgage broker in Horsham, we’d be happy to help.

Mortgages – Mortgage Broker in Horsham

First-Time Buyers

Buying your first home in Horsham (or the surrounding villages such as Southwater, Broadbridge Heath and Warnham) is exciting but can feel overwhelming. We’ll guide you step by step through deposits, affordability checks, and mortgage applications so you know exactly what to expect. As whole-of-market mortgage brokers, we compare a wide range of lenders to find deals tailored to first-time buyers, including options that may not be available on the high street. Our aim is to make the process simple, clear and stress-free, giving you confidence from your Agreement in Principle through to getting the keys to your new home.

Homemovers

If you’re planning a move within Horsham or West Sussex, we’ll help you plan with confidence:

How much can I borrow?
What are the moving costs?
What will my monthly repayments be?
Can I transfer my current mortgage to the new property?

We’ll give you clear recommendations and can also review your insurance cover to ensure it’s still right for your situation.

Remortgage

Coming to the end of your fixed rate, or paying your lender’s SVR? We can secure a new deal up to 6 months in advance to save you money.

If staying with your existing lender makes sense, we’ll arrange a product transfer. We can also discuss further advances if you’d like to raise funds for home improvements, weddings, or debt consolidation.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

For straightforward remortgage advice in Horsham, speak to our team today.

Buy to let

If you’re considering a buy-to-let investment, our buy-to-let mortgage advice in Horsham will help you navigate criteria and stress tests.

We support first-time landlords, portfolio owners, and those exploring holiday lets. For professional landlords (4+ properties), we’ll handle the additional portfolio assessments lenders now require.

We’ll recommend competitive deals in your personal name or via a limited company depending on your circumstances.

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 helps buyers purchase a share of a home and pay rent on the remainder. Over time, you can increase your share until you own more—or all—of the property.

We’ll check your eligibility, highlight local schemes near Horsham, and recommend mortgage products to match your budget.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Contractors

Contractors often face different criteria when applying for mortgages. Lenders may assess your day rate, contract length, or request several years of accounts.

We know which lenders are flexible for contractors in Horsham, and we’ll package your application to fit their criteria.

Specialist Lending – Mortgage Broker in Horsham

Large Loans

For high-value borrowing (£500k+ or £1m+), we’ll consider both high-street premier teams and private banks. After reviewing your goals and background, we’ll match you to lenders offering flexibility and suitable terms.

Adverse credit

Past credit issues don’t mean homeownership is out of reach. We specialise in adverse credit mortgages in Horsham, helping clients with defaults, CCJs or missed payments find lenders who may accept their circumstances.

Bridging finance

Need to complete a purchase before selling your current home? A bridging loan could help. They’re short-term products with higher rates, so it’s important to plan an exit strategy.

We’ll explain costs, eligibility, and timescales so you can proceed with confidence.

Second Charge

Second charge mortgages let you borrow against your home while keeping your existing mortgage. This can be cost-effective if your current deal has early repayment charges.

We’ll compare the pros and cons of a second charge vs remortgage and guide you through affordability checks.

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

If you’re purchasing or refinancing a business property, a commercial mortgage can help. Lenders will review the property value and the security you can offer.

We’ll match you with lenders that fit your business objectives.

The Financial Conduct Authority does not regulate commercial lending.

Self Build

Self-build mortgages release funds in stages as construction progresses. Options include arrears (after work is complete) and advance (before work begins).

We’ll assess your plans, costings and timescales, and recommend lenders suited to your project.

Insurance – Mortgage Broker in Horsham

Life Insurance – pays a lump sum if you die during the policy term.
Critical Illness Cover – pays if you’re diagnosed with a serious illness.
Income Protection – provides a monthly income if illness or injury prevents you working.
Family Income Benefit – pays a monthly tax-free income to your family if you pass away during the policy term.

Testimonials

“Richard helped us secure our first home in Horsham — excellent service and very reassuring throughout the process.”
— Client testimonial

“The remortgage process was smooth and stress-free thanks to Mortgage Pro Sussex. Would recommend to anyone in West Sussex.”
— Client testimonial

Get in touch

Mortgage Broker in Horsham – we operate mainly online and by phone, with flexible appointments to suit you.