Welcome to EBR Mortgages, your trusted local mortgage broker in Newhaven. Whether you’re stepping onto the property ladder for the first time, looking to remortgage, investing in a buy-to-let, or moving home, we’re here to provide expert guidance and personalised mortgage solutions tailored to your needs. We understand the Newhaven property market and are committed to helping you navigate the complexities of securing the right mortgage.
Buying your first home is a significant milestone, and at EBR Mortgages, we make the journey as smooth and stress-free as possible for First-Time Buyers. From assessing your financial situation to securing a Mortgage in Principle, we provide step-by-step guidance, ensuring you’re fully prepared and confident in your home-buying process. We also offer advice on government-backed schemes like Shared Ownership, helping make your dream of owning a home in Newhaven a reality.
We begin with a detailed consultation to understand your financial situation, property goals, and any concerns you may have about buying your first home.
We help you determine how much you can afford to borrow, taking into account your income, expenses, and any existing debts.
We assist in securing a Mortgage in Principle, which shows sellers you’re serious and gives you a clear idea of your borrowing power.
With access to a wide range of lenders, we search for the most suitable mortgage products, explaining the benefits and drawbacks of each option.
If applicable, we advise on government-backed schemes such as Help to Buy or Shared Ownership, explaining how they can help you get onto the property ladder.
We guide you through the mortgage application process, ensuring all documentation is correctly completed and submitted.
Once your mortgage offer is accepted, we work closely with your solicitor and estate agent to ensure a smooth transition from offer to completion.
If you’re considering remortgaging, EBR Mortgages offers expert advice to help you make the most of your current property investment. Whether you’re looking for better rates, wanting to release equity, or aiming to consolidate debt, we provide a tailored approach that aligns with your financial goals.
We start with an in-depth review of your current mortgage, identifying any areas where you might be able to secure better terms or rates.
For homeowners interested in releasing equity, we provide advice on how much you can release and the impact it may have on your financial situation.
We search the market for remortgage deals that match your specific needs, whether that’s reducing your interest rate or finding a more flexible repayment option.
If you’re looking to pay off your mortgage sooner, we can advise on shortening your mortgage term during the remortgaging process.
We help you explore options for consolidating debts into your mortgage, potentially lowering your monthly payments and simplifying your finances.
If switching lenders is beneficial, we manage the entire process, ensuring a smooth transition with minimal disruption.
After your remortgage is completed, we offer ongoing monitoring of your mortgage to ensure you continue to get the best deal available.
Investing in a Buy to Let property can be a lucrative endeavour, and at EBR Mortgages, we provide the expertise you need to navigate this complex market. Whether you’re a first-time investor or looking to expand your portfolio, our personalised service ensures you make informed decisions every step of the way.
We begin by understanding your investment goals and advising on the best strategy to maximise returns, whether you’re looking for long-term growth or immediate rental income.
Our knowledge of the Seaford rental market allows us to provide insights into areas with high rental demand and potential for capital growth.
We help you find the right Buy to Let mortgage product, considering factors like interest rates, fees, and early repayment charges.
Understanding your legal responsibilities as a landlord is crucial. We provide advice on property management, tenant rights, and compliance with regulations.
If you’re looking to expand your property portfolio, we can advise on refinancing existing properties to release equity and purchase additional investments.
After securing your mortgage, we continue to provide support, including advice on refinancing, managing your property portfolio, and adjusting your strategy as the market changes.
Moving home is a significant life event, and EBR Mortgages is here to simplify the process for you. Whether you’re upsizing, downsizing, or relocating, we provide expert advice and tailored mortgage solutions for Home Movers to meet your needs, ensuring a smooth transition to your new home.
We review your existing mortgage terms to determine the best approach, whether that’s porting your current mortgage or finding a new deal.
We assist with property valuations to help you understand the value of your current home and the affordability of your new one.
We help you establish a budget for your new home, considering any changes in income, expenses, and your financial goals.
We explore a range of mortgage options that suit your new circumstances, ensuring you secure the best possible deal.
We coordinate with your current lender and potential new lender to ensure a seamless transition, whether you’re porting your mortgage or switching to a new one.
We liaise with solicitors and estate agents to ensure all legal and administrative aspects are handled smoothly.
We oversee the completion process, ensuring all financial transactions are properly managed and that you can move into your new home without stress.
Getting the right mortgage can seem daunting, but it’s made simpler with EBR Mortgages. We offer clear guidance, expert advice, and access to the best rates. From the start of your application to the day you complete, we’ll make sure your experience is free from stress.