Top Mortgage Deals for Homebuyers in Hove & Brighton
Hove & Brighton remain two of the most popular areas to buy property, but finding the best mortgage deal can make a huge financial difference.
Current Mortgage Market Expected
🔹 Fixed-Rate Mortgages: 5-year fixes at 4-5% interest (depending on deposit size).
🔹 Tracker Mortgages: Rates following the Bank of England base rate (potentially lower, but riskier).
🔹 Buy-to-Let Mortgages: 6%+ interest due to market changes in landlord regulations.
Top Mortgage Deals Available in Hove & Brighton
| Mortgage Type | Interest Rate* | Deposit Required | Best For |
|---|---|---|---|
| 2-Year Fixed | 4.2% | 10% | First-time buyers |
| 5-Year Fixed | 4.8% | 15% | Long-term stability |
| Tracker Mortgage | BoE + 1.5% | 10% | Flexible repayments |
| Buy-to-Let | 6% | 25% | Landlords investing in property |
How to Get the Best Mortgage Deal in 2025
✔ Check your credit score: higher scores get better rates.
✔ Save a larger deposit: more deposit = lower interest.
✔ Use a mortgage broker: they access deals you won’t find online.
💡 Tip: If you plan to stay in Brighton/Hove for 5+ years, a 5-year fixed mortgage could save you money in the long run.
*interest rate may vary depending on personal circumstances, examples from data from 2025