Mortgage Broker Worthing

Our office is on Portland Road in Hove, a short drive along the A259 from Worthing. Many Worthing clients work with us by phone or video — particularly for the initial conversation and the application stages. Where you’d prefer to meet in person, we can do that at our Hove office or, where appropriate, visit you. The advice and service are the same regardless of how we meet.

Worthing has a particularly varied housing stock. We regularly arrange mortgages for Victorian and Edwardian seafront terraces, family homes in West Worthing and Tarring, period detached homes in Goring and Findon Valley, and modern seafront and town-centre apartments. Each property type has different lender criteria — particularly around leasehold ground rents on flats and construction type on older terraces.

Yes — first-time buyer mortgages are one of our core specialisms. Worthing is one of the more accessible markets for first-time buyers in Sussex compared to Brighton & Hove, and we help clients through the full journey: understanding affordability, getting an Agreement in Principle, navigating the application, and coordinating with your solicitor.

Yes. Worthing has a growing population of self-employed clients, contractors and remote workers. We work with lenders who properly understand SA302s, retained company profits, dividends and contract income. Self-employed mortgage applications are often declined by high-street lenders because they apply a one-size-fits-all algorithm; specialist lenders take a more individual approach. Knowing which lender to approach first is where broker access genuinely helps.

Some are. Properties very close to the seafront can sometimes have flood-risk classifications that affect lender appetite and insurance. Older seafront terraces may have construction-type issues. Modern seafront apartments need lenders comfortable with their leasehold structures. We assess each property on its specific circumstances and match it to a lender genuinely likely to approve.