Your Independent Mortgage Broker in Brighton
Your Mortgage Room: your unbiased, independent mortgage broker in Brighton, providing expert advice and guidance at every stage
Mortgage Broker in Brighton
Are you looking for reliable, independent mortgage advice in Brighton and Hove, and the surrounding area? That’s us! The team at Your Mortgage Room are experts in finding the right mortgage for a wide range of people, from a first-time buyer to commercial organisations.
Independent Mortgage Advice
Buying your dream home - whether it’s your first or 21st - or seeking a remortgage, is a major decision. Arranging the mortgage is a fundamental component, and it is crucial to ask the right people, from the solicitor to the estate agent, the right questions in order to get the best mortgage for your needs.
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If you have no idea what you’re supposed to know, don’t worry. Our team can provide the best possible advice at every stage: finding the best mortgage deal for you, submitting your mortgage application, and supporting you during the property-buying process.
There are a wide variety of mortgage products out there. It can be confusing trying to understand which are the best ones, particularly for first-time buyers who are new to the property buying process.
That’s where we come in. Our experienced team of friendly, professional mortgage advisers offer independent, whole of market mortgage advice to customers in and around Brighton about the most suitable deals for them. They include:
Monthly payments cover both the loan and the interest. Over time, the balance decreases until the entire mortgage is repaid.
Only the interest on the loan is paid each month. At the end of the mortgage term, the loan must be paid in full. Many lenders require proof of a repayment vehicle to ensure this happens.
The interest rate is fixed for a set period of time, typically between two and 10 years. It provides stable and predictable monthly mortgage payments, but if interest rates fall, customers could miss out on potential money savings.
The interest rate tracks the Bank of England's base rate, plus a set percentage. This means that the interest rate can go up or down, depending on changes in the base rate.
The interest rate can fluctuate over time. This type of mortgage is set independently by each bank or building society. There is more uncertainty about monthly payments over time. If the interest rate increases, the mortgage payment goes up. Likewise if the interest rate decreases, monthly payments could go down, saving you money.
A discount on a lender's standard variable rate is offered for a set period of time. This can provide lower initial payments, but they may increase after the discount period ends.
Buyers can use their savings to reduce the amount of interest they pay on their mortgage. This can help pay off a mortgage faster and save money on interest.
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Our team of mortgage brokers in Brighton can help you to understand the features and risks of each type of mortgage and remortgage, so you get the very best deal.
Specialist Mortgage Brokers
As well as providing whole-of-the-market mortgage advice for people in and around Brighton looking to get a mortgage, we specialise in catering to the unique needs of self-employed people and limited company directors.
As expert mortgage advisers, we understand that people in these positions can sometimes face financial challenges and will require a specialist mortgage lender to assist with their needs.
We go above and beyond to ensure our clients have access to the best deals from the mortgage market.
Our specialist mortgage brokers can also help if you have adverse credit, need bridging finance, are looking at commercial lending or contractor mortgages.
Our team is experienced in providing independent advice to high net worth individuals in need of tailored, complex mortgages, leveraging investments, or structuring loans for tax efficiency.
If you’re looking to invest in a limited company buy-to-let mortgage, our team works with specialist mortgage lenders to craft bespoke solutions. We can also ensure you understand the ramifications of taking out a secured loan.
An Experienced, Local Mortgage Broker
We offer a comprehensive range of mortgage, remortgage and insurance products to customers in Brighton, Worthing, Shoreham and beyond.
Because we are independent, our mortgage brokers are not tied to specific lenders, so whatever property you’re looking to buy, you get access to a deal that will suit you.
Whether you want to expand your property portfolio, remortgage your current home or find out what mortgage products are available to you as a self-employed person, we have the tools and expertise to help you, every step of the way.
Our Director
Charlotte Oakley
Charlotte Oakley is a fully qualified Mortgage and Protection adviser, with decades of experience working in the financial industry.
A former Mortgage Services Manager for a major corporate firm, and in 2021, she launched her own team of mortgage brokers based in her home town of Brighton.
Choose Us As Your Mortgage Advisor In Brighton
We understand that putting a foot on the property ladder as a first-time buyer is a big step, and climbing it - perhaps by a remortgage or a Buy-to-Let investment - can be even more challenging.
As your independent mortgage broker, we will eliminate the jargon, demystify the small print and make sure your mortgage deal and insurance are perfect for your personal circumstances.
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We are an online and telephone based brokerage, with systems that allow clients to easily send documents to us securely, making the process of getting a mortgage quick and seamless.
You are guaranteed to get expert advice and guidance at every stage.