Buying Your First Home in Brighton & Hove: What You Need to Know
The challenge for first-time buyers
Buying your first home can feel overwhelming, especially in areas like Brighton and Hove where property prices are higher than the UK average.
But there is good news. The market is offering more options and support for buyers than in recent years.
How much deposit do you need?
In 2026, most buyers need at least:
- 5% deposit (minimum for many mortgages)
However:
- 10% to 15% often gives better rates
- Larger deposits unlock more lender choice
Schemes that could help
First-time buyers may benefit from:
- Lifetime ISA bonus schemes
- Shared ownership
- 95% mortgage products
These options can make homeownership more accessible.
Common mistakes to avoid
- Not checking your credit score early
- Forgetting additional costs (legal fees, surveys)
- Relying only on online mortgage calculators
Why local advice matters
Every area has its own property market conditions. Working with a mortgage advisor who understands Brighton and Hove can help you:
- Move faster
- Choose the right lender
- Avoid delays
Final thoughts
Getting onto the property ladder may feel challenging, but with the right strategy and support, it is absolutely achievable.