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Brighton Mortgage Broker.

Here are the Top 10 Mortgage Brokers in Brighton.

 

Clearwater MortgagesManor Cottage, 5 Manor Road, Rustington, West Sussex, BN16 3QT01903 787305info@clearwatermortgages.co.ukhttps://www.clearwatermortgages.co.uk/
Duncan Insurance & Mortgage Services Ltd39 Tyedean Road, Telscombe Cliffs, East Sussex, BN10 7AT01273 588800 | 07803 730548info@duncan-mortgages.co.ukhttp://www.duncan-mortgages.co.uk/
Talk Money61 Rutland Road, Hove, East Sussex, BN3 5FE01273 224667N/Ahttps://www.talkmoney.co.uk/
Cavendish Financial Solutions117 South Street, Eastbourne, BN21 4LU01323 412013info@urquote.comhttps://www.the-mortgage-business.co.uk/
IEP Financial Limited119 Church Road, Hove BN3 2AF01273 208813info@iepfinancial.co.ukhttps://www.iepfinancial.co.uk/
Pentagon Financial Management Ltd46a Goring Road, Worthing, West Sussex, BN12 4AD01903 708 830info@pentagonfm.co.ukhttps://www.pentagonfm.co.uk/
Antrams Financial Services LLP44-46 Old Steine, Brighton BN1 1NH01273 328907info@antrams.comhttps://www.antrams.com/
Adur Mortgages11 Phoenix Crescent, Southwick, BN42 4HR01273 591109info@adurmortgages.co.ukhttp://adurmortgages.co.uk/

 

 

What does a mortgage broker in Brighton actually do?

 

A Mortgage broker in Brighton is a professional who helps individuals find and secure the most suitable mortgage for their needs and financial situation. Their main responsibilities include:

  • Listening to the client’s requirements and assessing their financial circumstances to determine the appropriate mortgage.
  • Gathering necessary documentation such as pay slips, bank statements, ID, and proof of deposit.
  • Checking that the client meets the lender’s criteria and can afford the mortgage.
  • Researching the market to find the best mortgage deals available.
  • Recommending the most suitable mortgage product and lender.
  • Assisting with the mortgage application process and liaising with the lender on the client’s behalf.
  • Providing ongoing support and updates throughout the mortgage process until completion.
  • Reviewing the client’s mortgage when it comes up for renewal to ensure they are on the best deal.

There are two main types of mortgage brokers in the UK: independent brokers and tied brokers. Independent brokers can access mortgages from the entire UK market, while tied brokers are restricted to certain lenders. Using a mortgage broker, especially for first-time buyers, can increase the chances of securing a mortgage and finding the best value deal.

 
 
 

What are the benefits of using a mortgage broker in Brighton?

 

The key benefits of using a mortgage broker in the UK are:

  1. Access to a wider range of mortgage deals and lenders. Brokers can search the entire mortgage market to find the best deals, rather than being limited to a single lender’s products.
  2. Expertise and guidance throughout the mortgage process. Brokers can provide advice tailored to the client’s financial situation and long-term goals, and help navigate the complex mortgage application.
  3. Time and effort savings. Brokers handle the research, paperwork, and communication with lenders, allowing the client to focus on other aspects of buying a home.
  4. Increased chances of mortgage approval. Brokers know which lenders are most likely to approve different types of applications, and can negotiate on the client’s behalf.
  5. Potential cost savings. Brokers can identify deals with lower interest rates, fees, and other costs that may not be available to individual borrowers.
  6. Ongoing support and reviews. Brokers can provide assistance even after the mortgage is secured, such as when it comes time to remortgage.

In summary, using a mortgage broker in the Brighton can save time, money, and stress, while also increasing the chances of securing the most suitable mortgage for the client’s needs.

 

What documents are required to apply for a mortgage through a broker in Brighton?

 

The key documents required to apply for a mortgage through a broker  in Brighton are:

  1. Proof of identity and address:
    • Passport or driving license
    • Recent utility bill, bank statement, or council tax bill showing your current address.
  2. Financial documents:
    • Last 3 months’ bank statements.
    • Last 3 months’ payslips if employed, or last 2 years’ tax returns/accounts if self-employed.
    • Details of any existing credit cards, loans, or mortgages.
    • Proof of deposit, such as savings account statements.
  3. Additional documents:
    • Proof of residency and nationality if you are not a UK citizen.
    • Copies of current mortgage statements if remortgaging.
    • Details of any employee benefits like death-in-service or sick pay.
    • Copies of the last 2 years’ contracts if you are a contractor.

The mortgage broker in Brighton will guide you on exactly which documents are required based on your specific circumstances. Providing all the necessary documentation upfront can help streamline the mortgage application process.

 

 

brighton mortgage broker

Speak to mortgage brokers and mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage brokers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from a local Brighton mortgage broker and mortgage advisers or scroll through the companies listed and contact the mortgage brokers directly.

 

Brighton Information.

 

Coordinates: 50°49′15″N 00°08′15″W
Sovereign stateUnited Kingdom
Constituent countryEngland
RegionSouth East England
Ceremonial countyEast Sussex
Historic countySussex
Unitary authorityBrighton and Hove
Admin HQHove Town Hall
Town charter1313
Incorporated1854
Unitary authority1997
City status2000
Government
 
 • TypeUnitary authority
 • Governing bodyBrighton and Hove City Council
 • LeaderBella Sankey (Labour)
 • MayorLizzie Deane
 • MPsLloyd Russell-Moyle (LabourKemptown)
Caroline Lucas (GreenPavilion)
Area
 
 • Total31.97 sq mi (82.79 km2)
Population
 (2021)
 • Total277,103 (ranked 57th) (Brighton and Hove pop.)
 • Density8,660/sq mi (3,345/km2)
DemonymBrightonian
Time zoneUTC0 (GMT)
 • Summer (DST)UTC+1 (BST)
Postcode area
Area code01273
ISO 3166-2GB-BNH
ONS code00ML (ONS)
E06000043 (GSS)
OS grid referenceTQ315065
NUTS 3UKJ21
PoliceSussex
FireEast Sussex
AmbulanceSouth East Coast
Websitewww.brighton-hove.gov.uk

 

 

These are the Brighton Postcodes the Mortgage Broker cover.

 

Postcodes BN1 to BN11 and villages of Brighton.
BN1BRIGHTONBrightonColdeanFalmerHollingburyPatchamPrestonStanmerWithdeanBrighton and HoveLewes
BN2BRIGHTONBrightonBevendeanBrighton MarinaKemptownMoulsecoombOvingdeanRottingdeanSaltdeanWoodingdeanBrighton and Hove, Lewes
BN3HOVEHoveAldringtonHangletonWest BlatchingtonBrighton and Hove
BN5HENFIELDHenfieldBlackstoneEdburtonFulkingSmall DoleWinehamWoodmancoteHorshamMid Sussex
BN6HASSOCKSHassocksAlbourneClaytonDitchlingGoddards GreenHurstpierpointKeymerNewtimberSayers CommonStreatWestmestonLewes, Mid Sussex
BN7LEWESLewesCooksbridgeEast ChiltingtonIfordKingstonOffhamPlumptonPlumpton GreenRodmellSouthease, Swanborough, TelscombeLewes
BN8LEWESBarcombeBarcombe CrossBeddingham, Chailey Green, ChiddinglyEast HoathlyFirleGlyndeHallandHamsey, Holmes Hill, LaughtonNewickNorth ChaileyRingmerRipeShortgateSouth Chailey, Southerham, Stoneham, WhitesmithLewes, Wealden
BN9NEWHAVENNewhavenPiddinghoeSouth HeightonTarring NevilleLewes
BN10PEACEHAVENPeacehavenTelscombe CliffsLewes
BN11WORTHINGWorthingWorthing
Postcodes BN12 to BN22 and villages of Brighton.
BN12WORTHINGWorthingFerringGoring-by-SeaArun, Worthing
BN13WORTHINGWorthingClaphamDurringtonHigh SalvingtonPatchingTarringArun, Worthing
BN14WORTHINGWorthingBroadwaterFindon, Northend, TarringArun, Worthing
BN15LANCINGLancingCoombesSomptingAdur, Worthing
BN16LITTLEHAMPTONAngmeringEast PrestonKingston GorseRustingtonArun
BN17LITTLEHAMPTONLittlehamptonClimpingLyminsterWickArun
BN18ARUNDELArundelAmberley, Binsted, Burpham, Crossbush, Fontwell, FordHoughtonMadehurstPolingSlindon, Slindon Common, South StokeTortingtonWalbertonWarningcamp, Wepham, YaptonArun, Horsham
BN20EASTBOURNEEastbourneBeachy HeadEast DeanFriston, Old Town, Ratton, WannockWillingdonEastbourne, Wealden
BN21EASTBOURNEEastbourne, Old TownEastbourne
BN22EASTBOURNEEastbourneHampden ParkWillingdonEastbourne, Wealden
The Postcodes BN23 to BN45 and villages of Brighton.
BN23EASTBOURNEEastbourne, Friday Street, LangneySovereign HarbourEastbourne
BN24PEVENSEYPevensey, Beachlands, Hankham, Normans Bay, Pevensey BayStone CrossWesthamWealden
BN25SEAFORDSeafordBishopstoneCuckmere HavenExceat, Norton, Rookery Hill, WestdeanLewes, Wealden
BN26POLEGATEPolegateAlcistonAlfristonArlingtonBerwick, Caneheath, Filching, FolkingtonJevingtonLitlingtonLullingtonMilton Street, Sayerland, Selmeston, Summerhill, WilmingtonWealden
BN27HAILSHAMHailsham, Amberstone, Bodle Street, Bodle Street Green, Boreham Street, Carters Corner, Chalvington, Cowbeech, Downash, Golden Cross, HellinglyHerstmonceux, Horsebridge, Lower Dicker, Lower Horsebridge, Magham Down, Mulbrooks, Rickney, Trolliloes, Upper DickerWartlingWindmill HillWealden
BN41BRIGHTONFishersgate, PortsladeAdur, Brighton and Hove
BN42BRIGHTONSouthwickAdur
BN43SHOREHAM-BY-SEAShoreham-by-SeaAdur
BN44STEYNINGSteyningAshurstBotolphsBramberUpper BeedingWistonHorsham
BN45BRIGHTONPoyningsPyecombeSaddlescombeMid Sussex

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