Your employment status plays a crucial role in whether a lender approves your mortgage. Here’s what you need to know in 2025. Full-Time Employment (Permanent Contract) ✅ Best for mortgage approval – lenders prefer stability.✅ Need 3-6 months’ worth of payslips. Self-Employed & Freelancers 🔸 Challenges: Lenders require at least 2 years of accounts.🔸 How…

Hove is a hub for creativity, with a thriving art scene that showcases both local and international artists. From contemporary galleries to independent exhibitions, here’s where to experience Hove’s artistic side. 🎨 Best Art Galleries in Hove 1. Cameron Contemporary Art 📍 Location: Third Avenue, Hove✔ Features modern British painting, sculpture, and printmaking.✔ Regular exhibitions…

If you’re a council tenant in Brighton & Hove, Right to Buy (RTB) could let you purchase your home at a discount. Here’s how it works right now; and what changed. The big update on discounts Government changes following Autumn Budget 2024 reduced the maximum cash discounts from 21 November 2024 back towards pre-2012 levels…

If you have bad credit, you might assume a mortgage is out of reach; but that’s not always the case. While it may be harder, there are options available in 2025. What Is Considered Bad Credit for a Mortgage? A credit score below 600 is generally seen as bad credit by lenders. Issues that impact…

If you’re self-employed in Hove, a contractor in Aldrington, a limited-company director in Hangleton, or a sole trader working the seafront….you absolutely can get a mortgage in 2025. The key is packaging your income properly and matching it to lenders who “get” non-salaried earnings. What lenders usually ask for Quick wins before you apply Deposit…

The Sussex property market continues to attract homebuyers, thanks to its mix of vibrant cities, coastal towns, and countryside retreats. But what can buyers expect? Sussex Property Market Trends 🔸 House Prices Stabilising: After years of growth, prices are expected to level off.🔸 More First-Time Buyers Entering the Market: Thanks to government schemes like First…

Got a few bumps on your credit file? You’re not alone and it isn’t game over! With the right lender, CCJs, defaults, late payments or past arrangements can still be underwritten. What “bad credit” actually means to lenders How to boost approval odds in Hove & Portslade Local angle Who to talk to Specialist, whole-of-market…

Applying for a mortgage is one of the biggest financial commitments you’ll ever make. Unfortunately, many applicants make mistakes that delay approval or lead to higher interest rates. Here’s what to avoid in 2025. 🚨 1. Not Checking Your Credit Score Before Applying 🔴 Why it’s a mistake: Lenders check your credit history, and a…

Rolling off a fixed rate? Don’t drift onto your lender’s SVR; it’s usually much higher! Start shopping 3 – 6 months before expiry so the new deal lands on time. Why act early Options to consider Local notes Stuck on an old deal? If you suspect you’re a “mortgage prisoner” (current lender inactive; difficult to…

If you are house hunting across Hove, Aldrington or central Brighton, you will notice more lenders offering green mortgages. In short, they reward energy efficient homes with improved pricing or incentives. With bills still a big topic for local buyers, a green mortgage can trim both your interest costs and your utilities. What counts as…