Hove Mortgage Blog

Offset mortgages link your savings to your mortgage balance. You do not earn interest on those savings – instead they sit alongside your home loan and reduce the mortgage interest you pay each month. For many buyers in Hove, Brighton and Shoreham-by-Sea, it is a flexible way to keep cash accessible while still cutting costs.…

Hove’s independent businesses are the heartbeat of the community, offering everything from artisan coffee shops to sustainable boutiques. Supporting local businesses strengthens the local economy and promotes a unique shopping experience. 🛍️ Must-Visit Local Businesses in Hove 1. Flour Pot Bakery: Best for Fresh Baked Goods 📍 Location: Western Road, Hove✔ Famous for handmade sourdough…

Thinking about investing in rental property? A buy-to-let mortgage could be the way forward. But is it the right choice for you? Let’s weigh up the pros and cons. ✅ Pros of a Buy-to-Let Mortgage 1. Passive Rental Income Monthly rent payments provide a stable income stream while building property equity. 2. Long-Term Asset Growth…

New build homes remain popular across West Hove, Portslade and Shoreham-by-Sea. They are energy efficient, low maintenance and often come with attractive incentives. Getting the mortgage right is all about timing, criteria and the small print. Common lender criteria on new builds Reservation to completion – a workable timeline Snagging tips that save time Incentives…

If you already have a mortgage and are planning a move within Hove or to nearby Southwick or Brighton, you will hear the term mortgage porting. Porting means taking your existing rate with you to the new property, subject to your lender agreeing and your finances still fitting their criteria. When porting makes sense How…

If you’re a landlord looking to grow your buy-to-let portfolio, having the right mortgage strategy is key. It brings new opportunities for expansion, but careful planning is essential. Step 1: Review Your Existing Portfolio Step 2: Use Remortgaging to Release Equity If your property has increased in value, you can remortgage and release equity to…

Hove’s beautiful seafront and marine life face increasing challenges due to coastal erosion, pollution, and climate change. Here’s how Hove is protecting its shores and what you can do to help. 🌊 Key Coastal Conservation Efforts in Hove 1. Brighton & Hove Seafront Protection Project ✔ Aims to reinforce coastal defences to prevent erosion.✔ Groynes…

Buy-to-let mortgage rates play a crucial role in your investment returns. With interest rates fluctuating in 2025, landlords must stay informed to secure the best deals. What Are Current Buy-to-Let Mortgage Rates? In 2025, BTL mortgage rates are influenced by:✔ Bank of England base rate: affecting lender pricing.✔ Loan-to-Value (LTV) ratio: lower LTVs get better…

Hove is home to a vibrant food scene, offering everything from seafood and fine dining to cosy cafés and international cuisine. Whether you’re a local or just visiting, here are the top restaurants in Hove that you must try this year. 🍽️ Best Restaurants in Hove 1. The Urchin: Best for Seafood & Craft Beer…

Investing in property remains one of the most popular ways to build long-term wealth in the UK. But if you’re considering becoming a landlord, understanding buy-to-let mortgages is essential. This guide will walk you through everything you need to know, from eligibility requirements to securing the best mortgage deal. What Is a Buy-to-Let Mortgage? A…