Mortgage Broker in Sussex

Your Trusted Mortgage Broker in Sussex

At EBR Mortgages, we understand that Sussex’s unique blend of coastal beauty, countryside charm, and vibrant towns makes it a desirable place to call home.

As a leading Mortgage Broker in Sussex residents trust, including mortgage brokers Brighton and mortgage broker East Sussex and mortgage broker West Sussex homebuyers rely on, we’re here to guide you through the mortgage process every step of the way.

Whether you’re looking to buy your first time buyer property in Brighton, remortgage your existing home in Chichester, invest in a buy-to-let property in Eastbourne, or move house within Horsham, our team of expert mortgage advisors in Sussex are professionals throughout the region and are always ready to assist. With our tailored Sussex mortgage services and in-depth knowledge of the local property markets from Crawley to Hastings, we aim to make securing your ideal mortgage stress-free and straightforward.

We take pride in offering expert mortgage and protection advice that fits your individual needs, ensuring you secure the best possible deal and interest rates Sussex has to offer. As independent mortgage advisers, we provide unbiased recommendations to suit your unique circumstances. Our team of mortgage brokers are here to help you navigate the complex world of mortgages and find the perfect solution for your needs.

First-Time Buyer Mortgages in Sussex

For first time buyer applicants across Sussex, the journey to purchasing a home can be overwhelming. But with EBR Mortgages, we work hard to simplify the process and give you confidence at every stage. From the first consultation to getting the keys to your new home, our team of expert mortgage advisor Sussex professionals is with you, providing personalised advice and helping you navigate the often complex world of mortgages.

We specialise in first-time buyer mortgages for Sussex residents, including mortgage advice for bad credit applicants throughout West and East Sussex. Our mortgage application help service ensures a smooth process for all our clients.

Our Steps to Helping First-Time Buyers in Sussex

Initial Financial Review:

We begin by conducting a thorough affordability assessment of your financial situation, including your income, expenses, and any existing debts. This allows us to provide an accurate picture of what you can afford, ensuring that your home purchase is financially sustainable in the long run. Our mortgage experts use advanced mortgage calculators to give you a clear understanding of your borrowing capacity.

Tailored Mortgage Solutions:

Once we have a clear understanding of your financial situation, we explore the different mortgage options available to you. Our access to a wide range of lenders means we can present a variety of mortgage products, including fixed-rate mortgages Sussex buyers often prefer, all suited to your unique circumstances. As mortgage broker specialists with whole of market access, we ensure you get the best possible deals.

Local Market Insight:

Sussex has diverse property markets, from the premium coastal properties of Brighton and Hove to the more affordable homes in towns like Littlehampton and Hailsham. Our comprehensive local market knowledge enables us to guide you toward the most suitable areas based on your budget and lifestyle preferences. Whether you’re working with our mortgage advisors in Brighton or our mortgage brokers in Eastbourne, we help you understand the local property landscape, whether you’re looking at new builds in Burgess Hill, period homes in Arundel, or something in between.

Mortgage in Principle:

A Mortgage in Principle is an important tool in your home-buying journey. We help you secure this, giving you a clear idea of your borrowing capacity and demonstrating to sellers that you are a serious buyer with solid financial backing. Our mortgage brokers Brighton can quickly arrange this for you, boosting your chances of securing your dream home as a first time buyer.

Government Schemes Support:

We provide advice on a variety of government-backed schemes like Help to Buy and Shared Ownership, ensuring that you fully understand how these options can assist in making homeownership a reality across Sussex. Our mortgage advisor Sussex team is well-versed in these schemes and can help determine if they’re right for your situation.

Step-by-Step Process Guidance:

From viewing homes and making offers to finalising your mortgage application, we offer guidance every step of the way. We aim to make the buying process as seamless as possible, ensuring that you remain informed and in control throughout.

Ongoing Support After Purchase:

Our relationship with you doesn’t end once you’ve moved into your new home. We continue to offer advice on managing your mortgage, helping you plan for future financial needs and adjustments as your circumstances evolve.

Remortgage Experts in Sussex

Remortgaging can offer significant financial benefits, whether you’re looking to save money, release equity from your home, or secure a mortgage that better suits your current needs. At EBR Mortgages, we act as your remortgage specialist in Sussex homeowners can trust, making the remortgaging process as smooth and effective as possible, guiding you through every option available, including equity release for residents from Shoreham-by-Sea to Rye.

Our Steps to Remortgaging in Sussex

Detailed Mortgage Review:

Our process begins with a comprehensive review of your current mortgage. We analyse your existing terms to identify opportunities where you could save money or improve your overall financial situation. Whether you’re working with our mortgage broker Hove team or our mortgage advisor Eastbourne specialists, we’ll find the best options for you.

Equity Release Guidance:

If you’re looking to access the equity you’ve built up in your Sussex home, we provide clear guidance on how to do this effectively. Whether you need funds for home improvements, investments, or personal projects, we explore the most advantageous ways to release equity while keeping your long-term financial health in mind.

Access to Competitive Remortgage Deals:

We compare a wide range of remortgage products from leading mortgage lenders Uckfield has to offer, helping you find a solution that matches your current financial situation and long-term goals. This might include switching to a better rate or finding more flexible terms that suit your lifestyle.

Flexible Mortgage Adjustments:

Perhaps you want to adjust the length of your mortgage, either extending or reducing the term, or switch between a fixed or variable interest rate. We provide expert guidance on these options, ensuring your mortgage reflects your changing financial circumstances.

Debt Consolidation Considerations:

We offer advice on consolidating debts through your mortgage, potentially simplifying your finances and reducing your overall monthly outgoings. This may include exploring second charge mortgages as an option.

Streamlined Process:

We handle all the necessary paperwork and negotiations with lenders, making the transition from your current mortgage to a new one as smooth as possible, ensuring there is minimal disruption.

Long-Term Support:

After remortgaging, we continue to monitor the market on your behalf, offering guidance on when it may be time to switch again or take advantage of new opportunities.

Buy to Let Mortgages in Sussex

With Sussex’s appeal as a tourist destination, its excellent universities, and steady rental demand across the region, it presents great opportunities for buy-to-let investors. At EBR Mortgages, we provide tailored mortgage advice to help you maximise your property investment, ensuring you achieve both immediate rental income and long-term capital growth. Our expertise in buy-to-let mortgages for Sussex investors is unparalleled, from student accommodation in Brighton and Chichester to executive rentals in Horsham and Haywards Heath. We can also assist with commercial mortgage broker services for larger investments throughout the county.

How We Help with Buy to Let in Sussex

Tailored Investment Planning:

Every buy-to-let investment is different, so we start by discussing your investment goals—whether you’re focused on rental income, capital appreciation, or both. We then tailor our mortgage advice to meet your objectives and financial strategy. Our mortgage broker Hove and mortgage advisor Brighton experts have extensive experience in the local buy-to-let market.

Market Expertise:

We use our extensive knowledge of the Sussex rental market to provide you with insights on which areas and property types are likely to yield the highest returns. From high-yield HMOs in university towns to luxury holiday lets on the coast, our local expertise allows you to make informed decisions and target the right tenants.

Access to Specialised Buy to Let Mortgages:

Buy to let mortgages differ from standard residential mortgages. We guide you through the options available, including interest-only products and competitive fixed or variable rates, helping you choose the one that best suits your investment strategy. Our mortgage broker Eastbourne and mortgage advisor Eastbourne specialists can help you navigate these specialist mortgage options.

Tax Efficiency Advice:

We offer guidance on structuring your property portfolio in a tax-efficient manner, ensuring you can maximise your returns while staying compliant with all tax regulations, including the latest updates on landlord taxes.

Landlord Compliance and Responsibilities:

We provide advice on the legal requirements of being a landlord, from health and safety regulations to tenant contracts. Our goal is to ensure you’re fully prepared to manage your property while avoiding common pitfalls.

Portfolio Growth:

If you’re looking to expand your property portfolio across Sussex, we can help with refinancing existing properties or securing mortgages for new acquisitions. Our expert advice ensures your portfolio remains profitable and well-balanced.

Home Mover Specialists in Sussex

Sussex is a desirable area to live, with its mix of coastline, countryside, and excellent transport links to London. Whether you’re looking to upsize, downsize, or simply move to a different part of the county, EBR Mortgages is here to make your home move as seamless as possible. We provide tailored mortgage solutions and expert advice, ensuring that your relocation is stress-free for homemovers throughout Sussex. Our mortgage application help service is designed to support you throughout the entire process, whether you’re moving from Crawley to Worthing or from Bexhill to Midhurst.

How We Help Home Movers in Sussex

Reviewing Your Current Mortgage:

Before you move, we assess your current mortgage to see if it’s more beneficial to transfer it to your new property or seek a new deal. Our advice helps you understand the pros and cons of each option, ensuring you make the right financial decision. Our team of mortgage advisor Sussex experts can explain how different mortgage terms might affect your move.

Finding the Right Mortgage for Your Move:

Every move is different, and your new home may require a different type of mortgage. We offer expert advice to ensure that your new mortgage suits your needs, whether you’re upsizing to a family home in Steyning, downsizing to a coastal apartment in Eastbourne, or moving to a more expensive property in Petworth.

Managing Property Valuations:

We assist in arranging property valuations for both your current home and the one you’re buying, ensuring you have an accurate understanding of their value to facilitate your sale and purchase.

Navigating the Property Chain:

Dealing with property chains can be stressful. We help you manage these complexities, coordinating with estate agents and solicitors to keep everything moving smoothly and minimising any delays. Our mortgage brokers Brighton are experienced in handling complex chains.

Handling Equity and Deposits:

If your deposit is tied up in the equity of your current property, we guide you on how to manage this transition to secure your new home without financial strain.

Legal Coordination:

We work closely with your solicitors to handle the legal aspects of the move, ensuring all paperwork is in order and the process runs as smoothly as possible.

After Move Support:

Once you’ve moved into your new home, we continue to offer advice on managing your mortgage, including overpayment strategies, refinancing options, and long-term financial planning.

Ongoing Support

Our team is dedicated to providing support and assistance throughout the entire moving process. From coordinating with solicitors to offering post-move support, we strive to make the mortgage process as stress-free as possible for our clients across Sussex.

We understand that managing a mortgage doesn’t end once you’ve moved into your new home. That’s why we offer ongoing support and guidance on how to best manage your mortgage in the long term. Our team can provide valuable insights on overpayment strategies, refinancing options, and long-term financial planning to help you make informed decisions about your mortgage. We also offer advice on protection policies Sussex homeowners need and can assist with retirement planning to secure your family’s financial future.

Whether you’re a first time buyer in Hastings, looking to refinance your current mortgage in Chichester, or expanding your buy-to-let portfolio in Brighton, our experienced team is here to assist you every step of the way. We understand that the mortgage process can be overwhelming, which is why we strive to provide personalised and attentive service to all of our clients throughout West and East Sussex.

Our team also stays up-to-date on the latest industry trends and changes, ensuring that you receive accurate information and advice. We can help you navigate through different mortgage products and find the best fit for your individual needs and financial goals, no matter where in Sussex you’re looking to buy.

Areas We Serve In Sussex

Brighton, Hove, Portslade, Saltdean, Woodingdean, Ovingdean, Rottingdean, Falmer, Stanmer

Lewes, Newhaven, Seaford, Peacehaven, Telscombe Cliffs, Kingston, Glynde, Ringmer, Plumpton, Ditchling, South Heighton

Crowborough, Uckfield, Hailsham, Heathfield, Wadhurst, Horam, Forest Row, Frant, Mayfield, Rotherfield, Ninfield, Windmill Hill, Hellingly, Waldron, Five Ashes, Buxted, Framfield, Maresfield, Alfriston

Rye, Winchelsea, Northiam, Robertsbridge, Ticehurst, Sedlescombe, Burwash, Etchingham, Bodiam, Hurst Green, Broad Oak, Beckley

Eastbourne, Polegate, Pevensey, Willingdon, Westham, Stone Cross, Hampden Park, Langney

Hastings, St Leonards-on-Sea, Battle, Ore, Fairlight, Guestling, Westfield, Bexhill-on-Sea, Crowhurst

Chichester, Selsey, Midhurst, Petworth, Bosham, East Wittering, West Wittering, Sidlesham, Tangmere, Lavant, Boxgrove, Easebourne, Fernhurst, Funtington, West Dean, Singleton, East Dean, Fishbourne

Littlehampton, Bognor Regis, Arundel, Angmering, Rustington, East Preston, Felpham, Pagham, Middleton-on-Sea, Aldwick, Yapton, Barnham, Walberton, Climping

Worthing, Goring-by-Sea, Durrington, Findon, Clapham, Patching, Sompting, High Salvington, Ferring

Horsham, Billingshurst, Storrington, Pulborough, Henfield, Southwater, Steyning, West Chiltington, Ashington, Rudgwick, Slinfold, Shipley, Cowfold, Mannings Heath, Small Dole, Partridge Green, Warnham

Haywards Heath, Burgess Hill, East Grinstead, Hassocks, Hurstpierpoint, Cuckfield, Lindfield, Ardingly, Balcombe, Bolney, Horsted Keynes, Ansty, Albourne, Twineham, West Hoathly, Turners Hill