Business Details
36 Years
experience
Your Trusted Mortgage Broker in Shoreham-by-Sea
Established in 1990, our firm has dedicated over three decades to providing impartial mortgage guidance tailored to individual lifestyles and circumstances. We specialise in creating bespoke mortgage packages designed to secure our clients their desired properties, leveraging our independence from single lenders to match solutions with personal requirements. Our expertise lies in understanding client needs and aligning them with suitable lenders, supported by our appointment as representatives of Stonebridge, regulated by the Financial Conduct Authority. We prioritise transparency, ensuring clients comprehend risks like repossession and age limitations, while maintaining a commitment to ethical advice and client-centric service. Services
Self-Employed Mortgages
Fixed-Rate Mortgages
Flexible Mortgages
Buy-to-Let Mortgages
First-Time Buyer Mortgages
Details
- Year established: 1990
Highlights and features
- We have over 30 years of experience in UK mortgage solutions.
- Our services are independently tailored to individual client circumstances.
- We are regulated by the Financial Conduct Authority for ethical standards.
- We offer competitive rates specifically for self-employed applicants.
- Our independence allows us to match clients with multiple lender options.
Associations and certifications
- Financial Conduct Authority
Services
Self-Employed Mortgages
Specialist mortgages tailored for self-employed individuals. We assess diverse income streams, including commissions, bonuses, and rental income, to secure competitive rates. Our expertise ensures applications account for unique financial circumstances, avoiding multiple credit checks from unsuccessful applications. Ideal for those navigating post-Self Cert mortgage landscapes.
Fixed-Rate Mortgages
Secure predictable monthly payments with fixed-rate mortgages. Rates remain constant for agreed terms, protecting against market fluctuations. We guide clients through selecting optimal fixed periods and transition strategies post-term expiration, ensuring financial stability and transparency.
Flexible Mortgages
Mortgages allowing over/underpayments to accommodate changing financial situations. We design packages with lenders offering interest savings through current account offsets. Suitable for clients seeking control over repayment timelines while maintaining flexibility during income variability.
Buy-to-Let Mortgages
Tailored solutions for property investors. We evaluate rental income potential and portfolio growth strategies to secure competitive terms. Specialist advice covers tax implications, yield optimization, and portfolio diversification to maximize investment returns.
First-Time Buyer Mortgages
Comprehensive support for first-time buyers navigating initial property purchases. We explain Help to Buy schemes, deposit requirements, and repayment options. Our guidance simplifies complex mortgage terminology, ensuring informed decisions for long-term homeownership.
Questions
What mortgage options exist for self-employed individuals?
We specialize in self-employed mortgages, assessing income from diverse sources like bonuses, commissions, and rental income to secure competitive rates.
Can I fix my mortgage rate after a discount period?
Yes, we monitor expiring fixed/discount rates and proactively suggest alternatives to avoid defaulting to higher variable rates.
How long does the mortgage process take?
Timelines vary by lender, but we provide estimated schedules once a provider is selected to streamline your property purchase.
What repayment methods do you offer?
We advise on repayment, interest-only, flexible over/underpayments, and offset mortgages linked to current accounts to suit financial flexibility.
Are there penalties for early mortgage repayment?
Yes, early repayment penalties apply to some mortgages. We disclose these upfront to ensure transparent decision-making.
How do you ensure competitive mortgage rates?
By accessing daily updates on lenders' products, we compare options across the market to secure rates aligned with your financial profile.
