Mortgage broker for Brighton

Yes. Our base is in Chelmsford and we have no Brighton branch. We work with Brighton buyers, homeowners and landlords by phone and online. Agree how meetings, documents and updates will work. Face-to-face appointments may be possible in some circumstances; confirm the location and availability before travelling. You can start a discussion while looking for a property.

The initial discussion is free. We usually charge £595 on mortgage offer and may receive lender commission. The Terms of Business also list a £199 processing fee where applicable. For standard mortgage applications by visa holders living in the UK, the £595 offer fee is the only broker fee; no separate processing fee applies. International and specialist cases can have different charges. Agree the written fees, payment stages and costs if the case stops before chargeable work starts.

Find out the remaining lease term, service charge, ground rent where applicable, block insurance and planned major works. Ask about restrictions on occupation, letting and alterations. Explain whether the flat is a conversion, above commercial premises or has known building issues. Provide the available information early so the lender and conveyancer can identify further enquiries. Include recurring property costs in the budget alongside the mortgage.

Brighton & Hove City Council sets out circumstances where changes to a flat’s windows or doors require full planning permission, including changes to size, material or appearance. Check the specific work and any conservation or listed-building controls. Consent under the lease may be needed separately. Ask the conveyancer to investigate relevant past alterations and documents; lender acceptance does not establish that the required consents exist.

Yes. Describe how you work, how you are paid and which records are available. Explain changes to trading, contracts or income, and distinguish personal earnings from turnover or company funds. Different circumstances can need different evidence and calculations. Give each applicant’s income and commitments. An enquiry starts an assessment; a business name or contract alone does not establish mortgage eligibility.

Gather the current balance, rate, monthly payment, deal end date, remaining term and early repayment charges. Explain what you want to change, including any additional borrowing, applicants or property use. Compare eligible options with the existing lender and elsewhere over the same period, including relevant fees. A longer term may lower payments and increase total interest. Securing other debts on the home changes the risks.

No. Brighton & Hove’s city-wide Article 4 direction means a change from a house in Class C3 to an HMO in Class C4 needs planning permission. Licensing is a separate enquiry. Check lawful use, intended occupation, current licence requirements and the property’s records with the council and conveyancer. A mortgage offer or existing tenancy does not prove that these requirements have been met.

No. The council describes that map as a tool for Article 4 planning enquiries; it does not show licensing, planning permission or enforcement records. Use the separate property licensing register and relevant planning evidence. Also check current selective-licensing guidance for the exact address and letting arrangement, rather than assuming that a property outside one HMO scheme needs no licence.

Yes. Explain whether the property is for your own use, occasional stays, paying guests or a longer tenancy, and whether that use may change. A personal second home and a property operated as a holiday let need different finance and insurance discussions. Check lease restrictions and relevant permissions too. Do not rely on a standard residential or buy-to-let description if it leaves out the intended use.

Help to Buy: Equity Loan in England is closed to new applications. If you already have an equity loan, discuss its repayment and administration process before a sale or mortgage change. Shared ownership is a separate scheme with its own eligibility and provider terms. Include rent on the remaining share and property charges when working out the overall monthly budget.