Mortgage Broker Eastbourne

Whether you’re buying a home in Eastbourne or the surrounding area, are planning to remortgage your current property or raise funds for other projects, let us guide you safely through the wealth of product choice in the market, talk you through the pros and cons of each option and advise you on the best route to take.

A remortgage means changing your current mortgage to a new deal or a new lender, using the same property as collateral. Perhaps you’re looking for a better deal once your fixed term has ended, fund for home improvements or to buy another property, or to consolidate debt. Whatever your reasons, we can provide the expert mortgage advice you require.

A Consumer BTL Mortgage is designed for private or ‘accidental’ landlords buying a property for letting to tenants in Eastbourne. This type of mortgage is regulated as a residential mortgage and offers significant consumer protection, but there are extra lending criteria and affordability calculations to satisfy. Contact us to find out more.

A Commercial BTL Mortgage is not regulated by the Financial Conduct Authority, which makes this type of mortgage product very different to the residential mortgage market. It is intended solely for professional landlords with a property letting portfolio that operates as a business. Get in touch for more information.

Second Charge Mortgages are based on the equity built up in your home that can be used as collateral for a second mortgage on the same property. Sometimes used as an alternative to remortgaging, this is a highly complex field and we would strongly recommend that you obtain expert mortgage advice before proceeding.

Taking out a mortgage when you are of retirement age is perfectly possible, subject to satisfying income-based affordability criteria such as earned income, pensions or savings. There are many products and lenders offering Later Life Mortgages for Eastbourne properties and we can provide in-depth professional advice to help you find the best solution.

Compared to standard fixed term interest-only mortgages, an RIO Mortgage has no fixed term. Rather, the loan will be repaid when the property is sold, or when you move into long-term care or pass away. As specialist independent equity release brokers in Eastbourne, we are ideally placed to help you make the right decision.

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.