Hove Mortgage Blog

Moving or remortgaging mid-fix in Hove? How ERCs work and smart ways to avoid or reduce them, including porting and timings. ERCs can bite if you switch products before your fixed period ends. Ways to manage ERCs: Need help lining up dates? Contact us.

Struggling to borrow enough in Hove? JBSP lets family income support your mortgage without putting them on the deeds. How it works and what lenders want. JBSP lets a close family member join the mortgage but not the title, so their income helps pass affordability while avoiding additional property stamp duty for them. Compare with…

First Time Buyer Schemes and Low Deposit Mortgages in Hove and Portslade – 2025 Summary Saving a deposit is often the toughest part of buying a first home in Hove. With local prices where they are, even 10 percent can feel like a huge amount of money. The good news is that there are a…

How Much Can a First Time Buyer Borrow in Hove – Local 2026 Examples and Numbers One of the first questions almost every first time buyer in Hove asks is “How much can I actually borrow?”. The exact answer depends on your income, debts and credit profile, but it helps to see some realistic examples…

How to Choose the Best Mortgage Broker in Hove – Questions to Ask Before You Commit Choosing a mortgage broker is a bit like choosing a builder. Pick the right one and the whole job feels easy. Pick badly and you spend weeks chasing, worrying and repeating the same information. Here are some simple questions…

If you are looking to buy or remortgage in Hove, it is very easy to think “I’ll just speak to my bank” and leave it at that. On the surface, it sounds simple. One phone call, one lender, job done. The problem is, the mortgage market in 2026 is anything but simple, especially in and…

First-Time Buyer Mistakes to Avoid in Hove Buying your first place in Hove is exciting, but it is very easy to get swept along and trip over things that could have been avoided. If you are looking around areas like Aldrington, Portslade or West Hove, a bit of planning goes a long way. Here are…

Investing in Hove or Shoreham-by-Sea? Compare buying in your own name vs a limited company, including deposits, stress tests and remortgage plans. With strong rental demand across Hove and Shoreham-by-Sea, here’s how to pick a route. Compare essentials: Talk through structure choices via the contact page.

Run a limited company in Hove or Brighton? How lenders assess director income and the documents that strengthen your case. Many directors draw a lean salary and top up with dividends, with profit retained in the company. Presenting your income correctly matters. Helpful pages: For a document checklist review, use the contact page.

What lenders check in Hove: income types, bills, bank statements and credit. Practical steps to pass affordability and buy confidently. Affordability checks look well beyond your salary. Here’s what to prep. What lenders review Set a budget: How Much Can I Borrow in HoveThen follow the buying steps: First Time Buyer Mortgage in Hove –…