John Whyte is a respected Independent Mortgage Broker in Brighton & Hove with 25+ years’ financial services experience and an in-depth knowledge and understanding of the mortgage market in all its complexities. As a specialist mortgage advisor operating across East Sussex and West Sussex, we provide a comprehensive service, researching the mortgage market on your behalf to source the most suitable product for your personal circumstances and financial objectives and find you the best deal.
Whether you are buying a new home in the Brighton & Hove area, looking to remortgage your existing property or raise capital for other projects, we can safely guide you through the maze of choice in the marketplace. When you move home, you can port your current mortgage to the new address or find a new, better deal. We can explain the pros and cons of each option and advise you on the most suitable path.
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, additional 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 mortgage advice.
Consumer Buy-To-Let Mortgages are intended to help private, non-professional or ‘accidental’ landlords to buy a property for letting to tenants in Brighton. These types of mortgages are regulated as residential mortgages and offer considerable consumer protection, but they do come with additional lending criteria and affordability calculations. For details, please make an enquiry here.
Commercial Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority and are therefore a very different kettle of fish to the residential market. These types of mortgages are designed for professional landlords who operate their residential and/or commercial property portfolios as a business. If you need help with commercial property financing, please get in touch.
A Second Charge Mortgage relies on the equity you have built up in your Brighton home to be used as a security for a second mortgage on the same property. This type of mortgage is sometimes used as an alternative to remortgaging. However, this is a highly complex field and we would strongly advise that you obtain our expert advice and look at all the pros and cons before you enter into any agreement.
If you are of retirement age and wish to take out a mortgage, there are now more choices available than ever before. In order to be accepted for a mortgage, you will need to pass affordability criteria, which means a good source of income (e.g. earned income, pensions or savings income) will be required. For more information on Later Life Mortgage, please contact us for expert advice.
With a standard interest-only mortgage, only the interest is being repaid every month for a fixed period. However, with a Retirement Interest Only Mortgage (RIO), there is no fixed term. Instead, the loan will be repaid when you come to sell the property, move into long-term care or pass away. If this or any other equity release schemes are of interest to you, please contact us for specialist advice for your property in Brighton & Hove.
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. Get in touch today.
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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGES OR OTHER LOAN SECURED ON IT.THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
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