Mortgages for Coastal Properties: Buying a Home in East Sussex in 2025

Thinking of buying a coastal home in East Sussex? Whether it’s a holiday home, rental investment, or dream seaside retreat, securing the right mortgage can be challenging.

Key Considerations for Coastal Property Mortgages

🔸 Higher Demand & Prices – Areas like Brighton, Eastbourne, and Seaford see premium pricing for seafront homes.
🔸 Flood Risk Assessments – Lenders may require additional surveys for properties near water.
🔸 Holiday Let Mortgages – If you plan to Airbnb your property, a specialist mortgage may be required.

Best Mortgage Options for Coastal Homes in 2025

🏡 Residential Mortgage – For main residences (typically requires a 5-10% deposit).
🏖 Holiday Home Mortgage – If you’re buying a second home for personal use.
📌 Buy-to-Let Mortgage – For properties rented out on long-term lets.
🌊 Holiday Let Mortgage – Needed if you’re planning to rent the home on Airbnb or short stays.

💡 Tip: Seafront properties may need higher insurance costs – check with lenders before applying.