Brighton mortgage broker
Brighton has a unique mix of period coastal stock, a buzzy creative-sector workforce, and tight supply. Lenders comfortable with leaseholds, listed buildings, and short-let stock are the ones we lean on here.
- Lenders comfortable with Regency leaseholds and listed buildings
- Self-employed friendly products for creative-sector borrowers
- Holiday-let / short-let specialists for the seafront
- First-time buyer schemes with London commuter uplift
Where we work in Brighton
Not in Brighton centre? We work across East Sussex and the wider UK. Call us with your postcode for a tailored answer.
Brighton mortgage FAQs
Do I need a local mortgage broker for Brighton?
Not legally — UK lenders work nationwide — but a broker who knows Brighton property stock and lender preferences typically secures better rates than a generic one. We've placed hundreds of loans in the city.
How much deposit do I need to buy in Brighton?
For residential mortgages, lenders typically require 5-10% deposit (95-90% LTV). For buy-to-let, expect 25% (75% LTV). High-value properties (>£1m) usually need 25-40% deposit.
How fast can you arrange a mortgage offer?
Decision in Principle: same day. Full mortgage offer: typically 2-4 weeks once we have your full document pack and a property under offer. We push hard to compress this where chains are time-sensitive.
Do you charge fees?
No — we are paid by the lender, not by you. There are no broker fees on a standard residential or buy-to-let mortgage placed through our network.
What if I am self-employed or have complex income?
We have direct relationships with lenders that specialise in self-employed (1 year accounts), contractor day-rate, foreign income, and bonus-based applications. Pre-application packaging is where we add the most value.