If you are juggling credit cards, personal loans, or overdrafts, it can quickly become overwhelming. For many homeowners in Brighton and Hove, a secured loan offers a practical way to take back control of their finances. By using the equity in your property, you may be able to combine several debts into one manageable monthly…

Getting a mortgage when you are self-employed can feel more complex than a standard application, especially in a competitive property market like Brighton. Whether you are a sole trader, contractor, or company director, understanding how lenders assess your income is key to securing the right deal. This guide explains what you need to know if…

Thinking about upgrading your home in Brighton or Hove, a secured loan can be a practical way to fund improvements without the need to remortgage. Whether you want more space, a modern kitchen, or a dedicated home office, borrowing against your property can unlock the funds you need with competitive interest rates. What Is a…

If your current mortgage deal is coming to an end (or your monthly payments feel harder to manage) remortgaging could help you reduce your outgoings and regain control of your finances. For homeowners in Hove, where property values have remained strong, there are often opportunities to secure a better deal than the one you originally…

What is remortgaging? Remortgaging means switching your mortgage to: When should you consider remortgaging? Common reasons include: Why 2026 could be an opportunity Mortgage rates have become more stable, and lenders are offering a wider range of products again. [rettie.co.uk] This creates opportunities to secure better deals. What lenders look at Before offering a new…

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,…

What is a fixed-rate mortgage? A fixed-rate mortgage locks your rate for a set period, meaning your monthly payments stay the same. Best for: What is a tracker mortgage? A tracker mortgage follows the Bank of England base rate. Your payments can go up or down depending on market changes. Best for: Key differences at…

How much can I borrow for a mortgage? One of the first questions buyers ask is: “How much can I actually borrow?” The honest answer is that it depends on several factors, not just your salary. While there are rough calculations, lenders look at much more than income alone. The key factors lenders assess 1.…

Tenant demand around Hove remains healthy, but returns depend on buying well and passing lender stress tests. Stress tests and deposits Most buy-to-let products expect roughly a 25 percent deposit and will assess rent at a notional rate with headroom. If your sums are tight, consider different unit types or locations. Get a starter overview…

Deposit sizes in Brighton & Hove (5%, 10%, 15%) + 95% mortgages + gifted deposits Buying in Brighton & Hove and wondering “how much deposit do I actually need?” You’re not alone. With average prices still high, the deposit question is often the biggest hurdle; especially for first‑time buyers. The good news: low‑deposit mortgages (including…