How to Secure a Mortgage for a Brighton Property: What Buyers Need to Know in 2025

Brighton remains one of the most sought-after places to live in the UK, but with rising property prices, securing a mortgage here requires careful planning.

Mortgage Challenges for Brighton Buyers

🔸 Higher Property Prices – The average house price in Brighton is above the UK average, meaning buyers need larger deposits.
🔸 High Demand – Competition for properties is fierce, requiring fast mortgage approvals.
🔸 Affordability Checks – Lenders are strict on affordability due to the city’s fluctuating job market.

Steps to Get a Brighton Mortgage in 2025

1️⃣ Save for a 10-20% Deposit – Larger deposits mean lower rates.
2️⃣ Get a Mortgage Agreement in Principle (AIP) – Strengthens your buying power in a competitive market.
3️⃣ Use a Brighton-Based Mortgage Broker – They have insider knowledge of lenders and local rates.
4️⃣ Check Government Schemes – First Homes Scheme and Shared Ownership can help first-time buyers.

💡 Tip: If you’re self-employed, show at least two years of earnings to increase your chances of approval.