All cities · South East
Mortgage brokers and advisers in Brighton
20 independent, FCA-authorised firms covering Brighton and the wider South East area. Contact them directly — we never sell your details.
A high-value coastal market where fee-conscious buyers benefit from independent, whole-of-market broker advice.
Mortgage brokers listed in Brighton
View all 20 resultsBrighton and Hove Financial Consultants
Hove
Cavendish Financial Solutions - Mortgage Advisers Eastbourne
Brighton
Compass Mortgages
Brighton
Direct Mortgage Group Ltd
Brighton
Emerald Finance
Brighton
Everest Mortgage Services
Brighton
Gaskells I M A Ltd
Brighton
Mortgage Medics
Brighton
Mortgage Saving Experts | Mortgage Broker
Brighton
Mortgage Solutions Limited
Brighton
My Mortgage Company
Brighton
Number One Mortgages
Brighton
The Brighton housing market, and what it means for your mortgage
Brighton and Hove is one of the least affordable places in England relative to local earnings, with a large proportion of flats, a substantial private rented sector and an unusually high share of self-employed and freelance workers. The combination means both halves of a typical application here are harder than average: the income needs careful evidencing, and the property is often a converted flat with lender questions attached.
The seafront and central districts — Kemptown, Brunswick, Montpelier — are dominated by Regency and Victorian townhouses converted into flats, much of it listed or in conservation areas, and much of it with shared freeholds or short leases. Hanover and Fiveways are terraced streets with strong owner-occupier demand; Hove, Preston Park and Withdean hold larger houses at higher values. Portslade and Whitehawk sit at the more affordable end. Two universities support a large student rental sector concentrated in Lewes Road and Moulsecoomb. Cliff and chalk ground conditions, and coastal exposure, produce more valuation caveats here than in most cities.
Mortgage situations that come up in Brighton
- Freelance, creative and self-employed income, which is heavily represented locally and assessed very differently across lenders.
- Converted flats in period townhouses, where lease length, shared freeholds, informal management and past conversions without proper consent all narrow the lender panel.
- Listed and conservation-area property along the seafront and in the central squares, affecting valuation, insurance and permitted works.
- Severe affordability stretch, which pushes buyers towards joint applications, longer terms and lenders with more generous income assessments.
Buying in England: Stamp Duty Land Tax and the local process
Buying here follows the England and Wales process: you pay Stamp Duty Land Tax on the purchase, with a surcharge on second homes and buy-to-let, and neither side is committed until contracts are exchanged. Most flats are leasehold, so the length of the lease, the ground rent and service charge, and any outstanding cladding or fire-safety paperwork all affect which lenders will accept the property as security. A broker will usually ask about the tenure before anything else when you are buying a flat.
Mortgage specialists in Brighton by situation
These are the specialisms that come up most often locally. Each page explains how UK lenders assess that kind of case and lists the Brighton advisers who handle it.
Guides worth reading before you speak to a Brighton broker
Nearby cities
Advisers often cover a wider area than the town they are based in.
Search every broker covering Brighton
Filter the full directory by location, mortgage type and whether the adviser charges a fee. You contact them directly — no lead auctions, no follow-up spam.
Mortgage FAQs for Brighton
- Why do so many Brighton flats have mortgage problems?
- Because a large share of the stock is period houses converted into flats, and conversions raise questions purpose-built blocks do not: how long the lease has left, whether the freehold is properly constituted or informally shared between the residents, whether the conversion had building regulations approval, and how the building's maintenance is funded. None of these is fatal, but each one shortens the list of lenders.
- How short is too short for a lease in Brighton?
- Most lenders want a meaningful number of years remaining at the end of the mortgage term — commonly the term plus another thirty to forty years — so a lease under about eighty years starts to cause problems, and one under seventy causes them for most lenders. Eighty years is also the point at which extending gets more expensive, so it is worth checking the exact remaining term before you offer.
- I am freelance in Brighton — can I still get a mortgage?
- Yes. Two years of accounts or tax calculations is the usual requirement and some lenders will work with one. Which figure they use matters as much as how many years: for a company director some lenders take salary plus dividends while others will include retained profit, which can substantially change what you can borrow on the same business.
- How much Stamp Duty will I pay in Brighton?
- Purchases in Brighton are subject to Stamp Duty Land Tax, which is charged in bands on the price you pay. First-time buyers get relief up to a set price, and there is a surcharge if you are buying an additional property such as a second home or a buy-to-let. Because the thresholds are changed at Budgets, check the current bands on GOV.UK, or ask your broker or conveyancer to confirm the figure for your purchase before you commit to a deposit.
- Are the mortgage brokers listed in Brighton FCA-authorised?
- MortgageMatch lists FCA-authorised mortgage brokers and advisers. Before taking advice, check the adviser and the firm on the Financial Services Register, confirm what they charge and ask how many lenders they can access. We do not sell your details to lead buyers — you contact the adviser directly.