We can help you find the right Mortgage

A property asset may well be the largest investment you will ever make but obtaining finance for a house or flat can be a complicated process that’s hard to navigate on your own. Whether you are buying a new home, looking to remortgage an existing property or raise capital for other projects, there’s such a wealth of choice out there, you need expert help to guide you through the maze.

John Whyte is an Independent Mortgage Broker with over 25 years’ financial services experience and an in-depth knowledge and understanding of the many different mortgage types and products on offer. As a specialist mortgage adviser, he will research the mortgage market to source the most suitable product for your personal circumstances and financial objectives and find you the best deal.

Moving Home

When you move home, you can transfer your current mortgage to the new address or take the opportunity to find a new deal, with a different mortgage company. We can explain the pros and cons of each option in detail and advise you on which path we think might work best for you.


Remortgaging a property means switching your existing mortgage to a new deal or lender, using the same property as security. You might be looking for a better deal at the end of a fixed term, finance to buy a second home, make home improvements or consolidate debt. Whatever the reason, we have a deep knowledge and experience of the market to give you the best professional advice.

Consumer Buy To Let

Consumer buy-to-let mortgages are intended to help non-professional or ‘accidental’ landlords to buy a property for letting to tenants. They are regulated as residential mortgages and offer considerable consumer protection, albeit with additional lending criteria and affordability calculations. For details, please make an enquiry here.

Commercial Buy To Let

Commercial buy-to-let mortgages are not regulated by the Financial Conduct Authority and are a very different kettle of fish to the residential market. They are designed for professional landlords who operate their residential and/or commercial property portfolios as a business. If you need help with commercial financing, please get in touch.

Second Charges

A second charge mortgage relies on the equity you have built up in your home to be used as a security for a second mortgage on the same property. Sometimes used as an alternative to remortgaging, it’s a complex field that we would highly recommend getting expert advice on before you enter into any agreement.

Later Life Mortgages

If you are of retirement age and wish to take out a mortgage, there are now more choices than ever before. In order to be accepted for a mortgage, you will need to pass affordability criteria, meaning a good source of income (earned income, pensions or savings income) will be required. For more information, click here.

Retirement Interest Only Mortgages (RIO)

With a standard interest-only mortgage, only the interest is being repaid every month for a fixed period. With an RIO, there is no fixed term; instead the loan will be repaid when you sell the property, move into long-term care of pass away. If this or any other equity release schemes are of interest to you, please get in touch.

Lets discuss your options

Why choose John Whyte?

Did you know there are thousands of mortgage products available in the market place? With such a wealth of choice, comparing the market and identifying the right product to suit your particular circumstances is a mammoth task that you would struggle with on your own. We have systems and processes in place to cover the market quickly and methodically, plus a thorough knowledge of the mortgage market to navigate to a short list of products that meet your criteria.

Working with John Whyte means you have a seasoned expert by your side to ensure your application has the best chance of succeeding.

Whatever mortgage product you choose, we will guide you through everything you need to know, after which you will automatically become part of our regular mortgage review service we provide to all our clients. We operate in Brighton, Eastbourne, Chichester, and all across East Sussex and West Sussex. Get in touch today.

Important information about our fees

For Independent Mortgage Advice we charge a fee of up to 1% of your mortgage amount payable (subject to a typical minimum charge of £295 payable on application & £300 on completion (£595 in total) plus commission from lender.

The exact amount will depend on the complexity and work involved on your case and will be confirmed by way of a formal fee agreement.

To understand the features and risks, ask for a personalised illustration.


Mortgage FAQs

How much can I borrow?

If you’re looking for a mortgage, the maximum amount you can borrow will depend on your income (and the income of any joint applicant), your outgoings and the deposit you are able to put down. Lenders typically offer an amount 4-5 times your income. If you are borrowing with a partner, your incomes may be combined and a lower multiplier used, or the larger income multiplied and the smaller income added. As independent mortgage brokers, we can help you apply for a mortgage in principle. If you’ve already found a property you wish to buy, we can check the best mortgage rates that are available to you, so you can make an informed decision.

What are the different types of mortgages available?

The mortgage market is vast and varied, and one of the main market distinctions is between repayment and interest-only mortgages, with the latter leaving the original loan to be paid off at the end of the term. There are standard variable rate mortgages, fixed-rate, capped-rate, and tracker mortgages, help-to-buy and buy-to-let mortgages, and later life mortgages – and it can be rather confusing to decide which is right for your needs. We offer independent specialist advice to talk you through all the available options in plain English and help you choose the mortgage product that best meets your requirements and financial circumstances.

What is the best type of mortgage for me?

Choosing the right mortgage is a huge decision that will affect your financial situation for decades. With so many options available, it can be a difficult and confusing process to work out which type of mortgage best suits your needs, especially if you’re a first-time buyer. If you’re struggling to find a way forward, please come and speak to us. We are highly experienced independent mortgage brokers with access to the whole of the market. We can explain all the different available mortgage products to you and outline the pros and cons of each, guiding you safely to the right decision for your needs.

Are mortgage broker fees worth paying?

You can obtain a mortgage directly from a mortgage company or through a mortgage broker. Going through an independent broker such as John Whyte has several advantages. Since we are not tied to any banks, building societies or other lenders, we have access to the whole of the mortgage market to get you the best mortgage deal, even with a complicated financial history. The cost of a mortgage broker can vary from £400-£500 to no fee at all (commission-based), however the fee can be made back very quickly with a competitive mortgage deal that can result in big savings over the longer term.

How much could you release?

Talk to us today about equity release by calling 01903 890660 or by the form below.

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Equity Release Sussex is a trading style of The Later Life Lending Network Limited, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority (Ref – 649443). Registered in England and Wales no. 09832887. Registered address: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.

For Independent Equity Release advice we do not charge any upfront fees however,
a fee of up to 1% of the total cash facility arranged is payable (subject to a typical minimum charge of £1,295) on completion for our service in relation to lifetime mortgage contracts plus commission from the lender.


The exact amount will depend on the complexity and work involved in your case and will be confirmed by way of a formal fee agreement.

For Independent Mortgage Advice we charge a fee of up to 1% of your mortgage amount payable (subject to a typical minimum charge of £295 payable on application & £300 on completion (£595 in total) plus commission from lender. The exact amount will depend on the complexity and work involved on your case and will be confirmed by way of a formal fee agreement.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK