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…

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…