Mortgage Broker Eastbourne

Our office is on Portland Road in Hove. Eastbourne clients work with us in whichever way suits — by phone, by video call, in person at our Hove office, or where appropriate we can visit you. Most clients find that the initial conversation works well by phone or video, with optional in-person meetings later in the process if needed.

Yes. Eastbourne has a substantial stock of Victorian and Edwardian homes, particularly in Meads, Old Town and along the seafront. Some of these have construction types that high-street lenders apply restrictions to — particularly older flats above shops, properties with lath-and-plaster internal walls, or buildings with non-standard roofs. We work with a broad panel of lenders, including those happy to underwrite period properties manually, which significantly widens the options compared to going direct to a single high-street lender.

Leasehold flats can be more complex, particularly where the remaining lease term is short, the ground rent is high, or the freeholder has unusual terms. Some lenders have firm cut-offs on lease length; others take a more flexible view. The marina-side flats around Sovereign Harbour and central Eastbourne flats each have their own lender preferences. We assess each case on its specific lease terms and match it to lenders likely to accept.

Yes — self-employed mortgages are a core specialism. Eastbourne has a high proportion of self-employed residents, business owners and contractors. We work with lenders who properly assess SA302s, retained company profits, dividends and day-rate contract income — not just basic salary. The right lender for a self-employed application is usually different from the right lender for a PAYE case; broker access matters here.