Mortgage Broker in Lewes

Your Trusted Mortgage Broker in Lewes

At EBR Mortgages, we understand that Lewes, with its historical charm and vibrant cultural scene, is an attractive place to live. Whether you’re a first-time buyer, looking to remortgage, investing in a buy-to-let property, or moving within the area, our team is here to provide expert advice tailored to your needs. With an in-depth knowledge of the Lewes property market, we guide you through the mortgage process, making it as smooth and stress-free as possible.

Comprehensive Mortgage Services in Lewes

First-Time Buyer Mortgages in Lewes

Buying your first home in Lewes is an exciting experience, but it can also be daunting. At EBR Mortgages, we aim to simplify the process for first-time buyers by offering personalised advice and support every step of the way.

Our Steps to Helping First-Time Buyers in Lewes

Initial Financial Review:

We begin by assessing your financial situation to determine how much you can afford to borrow. This includes reviewing your income, expenses, and any existing debt, giving you a clear understanding of your buying power.

Tailored Mortgage Advice:

With access to a wide range of mortgage products, we provide personalised advice to help you choose the best mortgage for your financial circumstances. We explain the benefits and potential downsides of each option, ensuring you make an informed decision.

Local Market Insight:

Our deep understanding of the Lewes property market allows us to offer advice on the best areas to buy within your budget. Whether you’re looking for a quiet, historical property or something modern in the heart of town, we help you find the right fit.

Mortgage in Principle:

We assist you in securing a Mortgage in Principle, which shows sellers that you’re a serious buyer and gives you an idea of how much you can borrow, helping to strengthen your position when making an offer.

Guidance on Government Schemes:

We explain how government schemes like Help to Buy and Shared Ownership can assist you in purchasing your first home, making the process more affordable and accessible.

Step-by-Step Support:

From the initial search to making an offer and finalising your mortgage, we guide you through each stage of the home-buying process, ensuring you feel confident and supported.

Ongoing Advice:

After you’ve purchased your first home, we continue to provide advice on managing your mortgage and planning for future financial goals, ensuring you’re always in control.

Remortgage Experts in Lewes

Remortgaging your home can help you save money, release equity, or switch to a mortgage that better suits your needs. At EBR Mortgages, we offer expert remortgaging advice for homeowners in Lewes, helping you navigate the process smoothly.

Our Steps to Remortgaging in Lewes

Comprehensive Mortgage Review:

We start by reviewing your current mortgage, identifying opportunities where you could save money by securing better terms or taking advantage of lower interest rates.

Equity Release Advice:

If you’re looking to release some of the equity tied up in your home, we provide clear guidance on how to access these funds for home improvements, investments, or other financial goals.

Finding the Best Deal:

With access to a wide range of remortgage products from different lenders, we compare the market to find the most suitable mortgage options for your circumstances, ensuring you get the best deal possible.

Flexible Solutions:

Whether you’re looking to switch between fixed and variable rates, extend or reduce your mortgage term, or adjust your monthly payments, we offer tailored advice to fit your needs.

Debt Consolidation Options:

For those looking to consolidate debts through remortgaging, we provide support and advice, helping you to simplify your finances and potentially reduce your monthly payments.

Seamless Process:

We manage the remortgaging process from start to finish, ensuring a smooth transition if you decide to switch lenders or adjust your mortgage terms.

Ongoing Mortgage Support:

After your remortgage is in place, we continue to monitor the market and provide ongoing advice to ensure your mortgage remains aligned with your financial goals.

Buy to Let Mortgages in Lewes

Lewes is an excellent location for Buy to Let investors, thanks to its appealing mix of heritage, green spaces, and good transport links. EBR Mortgages offers expert advice to help you maximise your investment in the Buy to Let market.

How We Help with Buy to Let in Lewes

Investment Strategy Review:

We start by discussing your goals as a Buy to Let investor. Whether you’re looking for long-term capital growth or rental income, we provide tailored advice based on your financial objectives.

Local Market Expertise:

Our knowledge of the Lewes rental market allows us to offer insights into the most profitable areas and property types for Buy to Let investments. We help you make informed decisions to maximise your returns.

Choosing the Right Mortgage:

We guide you through the various Buy to Let mortgage options available, helping you select the most suitable product for your investment goals.

Tax Efficiency Advice:

We provide guidance on how to structure your Buy to Let investment in a tax-efficient manner, ensuring you maximise returns while staying compliant with tax regulations.

Understanding Landlord Responsibilities:

Being a landlord comes with legal obligations. We provide advice on these responsibilities, helping you understand everything from tenancy agreements to property maintenance requirements.

Portfolio Expansion:

If you’re looking to grow your Buy to Let portfolio, we offer strategic advice on refinancing existing properties and funding new investments, helping you to expand your portfolio efficiently.

Home Mover Specialists in Lewes

Whether you’re moving to a larger property, downsizing, or relocating within Lewes, moving home can be a complex process. EBR Mortgages offers personalised mortgage advice to make your move as seamless as possible.

How We Help Home Movers in Lewes

Assessing Your Current Mortgage:

We review your existing mortgage to determine whether it’s worth porting to your new property or if securing a new mortgage would be more beneficial.

Tailored Mortgage Solutions:

We offer personalised advice to help you secure the best mortgage deal for your new home, ensuring it aligns with your financial needs and goals.

Property Valuation Support:

We assist in arranging accurate valuations for both your current property and the one you’re purchasing, ensuring the sale and purchase processes go smoothly.

Navigating the Property Chain:

We offer guidance on managing the complexities of property chains, helping you avoid common pitfalls and ensuring your move proceeds as smoothly as possible.

Deposit and Equity Management:

We provide advice on managing your deposit, especially if it’s tied up in the equity of your current property, ensuring you’re ready to complete your purchase when the time comes.

Liaison with Solicitors:

We work closely with your solicitors to manage the legal aspects of your move, ensuring everything proceeds efficiently from offer to completion.

After-Move Support:

Once you’ve settled into your new home, we continue to offer advice on managing your mortgage, from overpayments to future remortgaging opportunities.