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…

A strong credit score can be the difference between getting approved for a mortgage at a great interest rate or struggling to secure a loan at all. Mortgage lenders remain cautious, making it crucial to improve your credit score before applying. Here’s how you can do it. Why Does Your Credit Score Matter for a…

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…