Mortgage Broker Shoreham-by-Sea

Local Independent Mortgage Advice for the Adur Coast

Mortgage Advice in Shoreham-by-Sea

Shoreham-by-Sea sits between Hove and Worthing on the Adur coast — a working harbour town with a distinctive mix of property types, from the iconic houseboats on the River Adur and beach properties on Shoreham Beach to period family homes in Old Shoreham and Southlands, and growing new-build developments.

David Lewis Mortgage Management is an independent FCA-regulated mortgage broker based on Portland Road in Hove — a short drive along the A259. We work with Shoreham clients in person at our Hove office, in their own home, or by phone and video appointment.

Whether you’re a first-time buyer looking at a flat on Shoreham High Street, a homeowner remortgaging an Old Shoreham terrace, a landlord with rental properties along the coast, or self-employed and needing a lender that properly understands your income, we work with a comprehensive panel of lenders to find suitable options for your circumstances.

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Remortgage services for homeowners in Hove, Brighton and Sussex

Mortgage Services for Shoreham Clients

First-Time Buyer

Buying your first home in Shoreham? We guide you through deposit, affordability and lender criteria — explained in plain English.

Learn more about first-time buyer mortgages

Remortgage

Fixed rate ending soon? Review remortgage options across the whole panel before you drift onto the standard variable rate.

Learn more about remortgage services

Buy-to-Let

Investing in Shoreham’s rental market? BTL mortgages for first-time landlords, portfolio investors and limited-company structures.

Learn more about buy-to-let mortgages

Moving Home

Moving within Shoreham or to a new area? We handle the mortgage side — porting an existing deal or arranging new finance.

Learn more about moving home mortgages

Reviewing remortgage options with David Lewis at the Hove office

About the Shoreham Property Market

Shoreham-by-Sea has one of the most varied housing stocks on the South Coast. Shoreham Beach offers an unusual mix of substantial seafront homes alongside characterful single-storey beach houses. Old Shoreham and the town centre have Victorian and Edwardian terraces and family homes. The harbour-side and Adur area includes the famously distinctive houseboats — which have very specific mortgage lender requirements.

The variety creates specific mortgage challenges. Houseboats and unconventional dwellings are generally not mortgageable through high-street lenders and need specialist finance routes. Period coastal properties sometimes have construction issues that require manual underwriting. Modern apartments along the seafront need lenders comfortable with their leasehold structures.

Knowing which lenders work with which property types — and how to present each case — is where local broker access genuinely helps. We’ve placed mortgages on the full spectrum of Shoreham property types across our years working the area.

Frequently Asked Questions

Can you arrange a mortgage on a houseboat in Shoreham?

Houseboats are one of Shoreham’s most distinctive property types — and they generally cannot be financed through standard residential mortgages. Most high-street lenders do not lend on houseboats because they are classified as chattels rather than real property. There are specialist marine finance options for houseboat purchases. We’re happy to have an initial chat about your circumstances and signpost you to the right route, even where a standard mortgage isn’t the answer.

Do you help with mortgages on Shoreham Beach properties?

Yes. Shoreham Beach has a fascinating mix of property — from substantial seafront homes to characterful single-storey beach houses and converted bungalows. Some have non-standard construction or are in flood-risk classifications, both of which affect lender appetite. We work with lenders who are comfortable underwriting coastal properties manually rather than auto-declining based on postcode.

Are coastal properties harder to mortgage due to flood risk?

Some Shoreham coastal properties — particularly very close to the seafront or river — have flood-risk classifications that affect both mortgage acceptance and home insurance availability. Lenders take different views on flood risk: some auto-decline, others take a more case-by-case approach. We assess the specific property’s flood-risk grading and match it to lenders who are open to that classification.

Do you work with self-employed clients in Shoreham?

Yes — Shoreham, like the rest of the Sussex coast, has a substantial self-employed and freelance population. We work with lenders who properly understand SA302s, retained company profits, dividends, day-rate contracts and complex income structures. The right lender for a self-employed case is usually different from the right lender for a standard PAYE application; broker access matters here

How do meetings work — at your Hove office, by phone, or in person?

Whichever suits you. Our office is on Portland Road in Hove, a short drive from Shoreham along the A259. Many Shoreham clients prefer the initial conversation by phone or video, then in-person meetings at key stages. Some prefer everything in person; some prefer everything remote. We adapt to what works for your circumstances.

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