Your local mortgage broker in
Shoreham-by-Sea
Your Mortgage Room: your unbiased, local mortgage broker in Shoreham, providing expert advice and guidance at every stage
Mortgage Broker in Shoreham
Found your ideal Shoreham-by-Sea property and need help navigating the mortgage maze? We can help.
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Our team of mortgage brokers has over 20 years’ experience securing great mortgages for people in Shoreham-by-Sea, as well as Brighton, Worthing and beyond.
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Whether you’re a first-time buyer or an established business owner, we strive to find mortgage solutions that suit every person’s circumstances. We also specialise in supporting self-employed and limited company directors.
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Visit Your Mortgage Room for informed, independent advice covering Shoreham-by-Sea and beyond, and let us find the most suitable mortgage for you.
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Your independent mortgage adviser in Shoreham-by-Sea
People have been living and working in and around Shoreham-by-Sea for centuries, and there’s no wonder.
Nestled between the South Downs, the Adur Valley and Shoreham Beach, the town proudly wears its long history - both ancient and maritime - on its sleeve.
Although Shoreham-by-Sea celebrates its past, it is not trapped by it. This vibrant West Sussex town boasts a bustling centre, while properties range from historic buildings to contemporary waterfront developments.
Whatever sort of home or business premises you’re looking for in and around Shoreham-by-Sea, our independent brokers will identify the right mortgage deal for your circumstances.
Each personal adviser on our team will scour the UK market to find mortgages that meet your needs, no matter what product you’re looking for.
Shoreham-by-Sea offers a wide range of houses and flats suitable for first-time buyers. While it’s relatively easy to find your first property, sorting through lots of different mortgages is more tricky.
Modern life is busy, so we aim to make the whole process as smooth and enjoyable as possible. You can chat to us online or over the phone, at times that are convenient for you. Alternatively, you can drop by our Shoreham office or make an appointment with our team to discuss your mortgage needs.
Our experienced team of independent mortgage brokers will compare and contrast all the mortgages on the market, offering advice about which new mortgage would work for you.
As your personal adviser, we will explain all the jargon and ensure you understand all aspects of a mortgage offer, including how much you can borrow and for how long.
We will then take care of the entire mortgage application process, from preparing all paperwork and liaising with solicitors, to completion on your Shoreham-by-Sea home.
Whether you’re taking your first steps as a Shoreham-by-Sea landlord or have built up a portfolio of several properties, our professional mortgage advice will help you find a deal for you.
As your mortgage broker, we will talk through your aims and objectives for the buy-to-let property, and ensure you understand how they differ from traditional mortgage products.
Our Shoreham-by-Sea independent brokers, will inform you about every aspect of the buy-to-let transaction including insurance, lettings agents and tax implications.
With access to all the biggest UK lenders and specialists, we will quickly identify the buy-to-let mortgage that meets your circumstances.
We know that moving home can be one of the most stressful things people ever do.
Whether you want to downsize to a Shoreham-by-Sea flat or have your heart set on a first home in the suburbs, our mortgage advisers make finding a deal for clients hassle-free.
Depending on your circumstances, we can advise on the most appropriate options, which include transferring your mortgage from your current home to your new home (known as porting) or remortgaging. We will explain how mortgages from other UK lenders may better suit your needs.
Our mortgage brokers will ensure clients are fully aware of all the costs involved, including conveyancing fees and Stamp Duty.
Our brokers don’t just find ideal mortgages for Shoreham-by-Sea clients looking to buy a home. Our service also includes helping clients with established mortgages, looking to remortgage or make a product transfer.
A product transfer, also known as a product switch, can help clients save money on monthly repayments by swapping from their existing mortgage product to another that could save them money.
Our professional mortgage advisers will use their industry insights and knowledge to inform clients about the latest mortgage offers and find a solution that works for them.
Unlike product transfer, Shoreham-by-Sea clients seeking to save money via a remortgage can move to a new lender if they wish. Our mortgage broker service will make sure it is a hassle-free experience.
Our mortgage advisers will help determine whether remortgaging is the solution for you, before scouring the UK market to identify mortgages that suit your circumstances.
We will ensure you understand any extra costs involved, including any early repayment charges or arrangement fees for a new mortgage.
Shoreham-by-Sea is a fantastic place for a wide range of entrepreneurs.
As mortgage brokers, we understand the freedom and flexibility that comes from being self-employed, as well as the challenges this status presents when looking for a mortgage.
Our dedicated mortgage advisers will craft bespoke solutions to meet the unique needs of every self-employed client, expertly and empathetically guiding them through every step of the mortgage process.
Specialist Mortgages
Our expert mortgage brokers can also provide a variety of specialist products to customers in and around Shoreham-by-Sea.
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Contractor mortgages are specifically designed for self-employed contractors or Shoreham-by-Sea freelancers who don’t have long-term contracts or a regular salary. As your personal mortgage adviser, we will carry out a thorough financial assessment to determine whether a contractor mortgage is suitable for you. We will provide advice on what lenders look for in Shoreham-by-Sea clients, and explore appropriate insurance options to protect you and your family.
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We can offer expert advice on whether a commercial mortgage is the most appropriate for your circumstances, based on criteria including your business objectives, financial requirements, and industry dynamics. If we think a commercial mortgage is a good fit, we will refer you to our third-party specialist mortgage broker, who will create a personalised commercial mortgage solution.
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There are lots of buy-to-let opportunities in and around Shoreham-by-Sea, including for limited companies looking to make informed investments. Our professional mortgage brokers can examine the whole-of-market to find a limited company buy-to-let mortgage that meets your needs.
Trusted Shoreham-by-Sea mortgage brokers
Searching the UK mortgage market for the most suitable deal can be overwhelming and confusing. Let us eliminate that stress.
We will use all our expertise to quickly find mortgage deals that work for clients in and around Shoreham-by-Sea.
We will ensure you are fully informed about every aspect of your mortgage, and provide advice and support at every stage of the process.
Our mortgage broker services aim to be helpful and prioritise your convenience. Life is busy enough, so although you can book an appointment at our office if that’s what you want, we can also organise everything online or over the phone.
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.
Talk to us about your Shoreham-by-Sea mortgage
Are you ready to get independent, insightful advice about a Shoreham-by-Sea mortgage? Do you have any questions about securing a mortgage as a self-employed person? We would love to hear from you.
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You can email us at info@yourmortgageroom.co.uk, phone 01273 039500 or fill in this contact form and we’ll get back to you straight away.