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Mortgage Broker & Advisers in Brighton

Finding a mortgage can be overwhelming, especially when you’re juggling property searches, solicitors and other buyers.
A mortgage broker in Brighton gives you access to lenders right across the market, so you can get a great deal without the stress of approaching banks individually. Brighton's vibrant property market attracts buyers from all walks of life, so having an experienced adviser really does help.

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Southampton city centre — fee free mortgage advice

Southampton waterfront and docks — whole of market mortgage broker

Southwell MORTGAGE

Why choose Alexander Southwell Mortgage Services?

Alexander Southwell Mortgage Services Ltd offer a comprehensive range of mortgage products from across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

We also take care of all the administration for mortgages and life cover applications, as well as liaising with Brighton estate agents, mortgage lenders and solicitors to make the whole process as smooth and stress-free as possible.

Team of expert mortgage brokers and advisers.

Excellent communication via WhatsApp, Skype, phone, email and SMS.

100% FEE FREE mortgage service.

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Low-Cost Specialist Advice: Fee-free options available for clean credit and £100k+ loans.

Mortgage Broker Brighton Quick Summary

Fee structure:

Typically fee-free for standard residential mortgages, our commission is paid by the lender on completion. Fees may apply for complex or specialist cases, always disclosed upfront in writing.

Brighton coverage:

Based in Romsey, Hampshire, with full remote coverage across Brighton, Hove and the wider East Sussex area via phone and video appointments.

Client types:

First time buyers, home movers, remortgages, buy to let (including portfolio landlords).

Same-day service:

Speak to a qualified adviser today – we offer flexible appointments including evenings and weekends.

Brighton Mortgage Brokers

Our Brighton mortgage advisers have over 20 years of experience in residential and buy to let lending. We offer whole-of-market access to high-street banks, building societies and specialist lenders, supporting first time buyers, home movers, remortgages, buy to let investors and clients with complex incomes across Kemptown, Hove, Preston Park, Fiveways, Portslade and beyond. We also advise on life insurance, critical illness cover and income protection to protect your Brighton property purchase.

Expert fee-free mortgage advisers helping clients in Southampton

Over 30 years experience in residential and BTL Mortgages

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Understanding Your Status

How Our Brighton Mortgage Service Works

From your initial consultation to when your mortgage completes we manage the whole process for you. We coordinate with estate agents and solicitors where necessary to keep everyone moving towards your completion date.

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Step 1 – Initial Consultation

A free, no obligation phone or video call to discuss your goals, deposit, income, credit history and the area of Brighton or Hove you are looking to buy in. This gives us everything we need to start searching for the right mortgage for you.

Step 2 – Research & Recommendation

Your adviser will compare mortgage products across suitable lenders and prepare a tailored recommendation. You’ll receive an Illustration (ESIS) showing the interest rate, fees and total cost over the mortgage term so you can make an informed decision.

Step 3 – Decision in Principle

We can often get a Decision in Principle the same day or within 24 hours. This is especially useful in Brighton where sought-after properties in areas like Kemptown, Seven Dials and Hove can attract multiple offers very quickly.

Step 4 – Full Application & Valuation

We’ll handle the paperwork, submit your documents to the lender, liaise on your behalf and arrange the valuation or survey. You won’t need to chase – we do that for you.

Step 5 – Offer to Completion

We’ll track your case through underwriting, chase solicitors and other parties if needed and keep you updated through to exchange and completion. Once you’ve got your keys we’ll diarise a review before any fixed rate ends so you’re never left on an expensive standard variable rate.

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Being prepared with the right paperwork
Documents You’ll Need

Income evidence: Last 3 months’ payslips for employed applicants, or last 2–3 years’ accounts and SA302s for self-employed clients

Deposit evidence: Savings statements, gifted deposit letters or sale-of-property memorandum if using proceeds from another property

Additional documents: Complex cases may require extra paperwork – for example, multiple buy to let schedules, evidence of foreign income or explanations for recent credit issues

Bank statements: Last 3 months’ current account statements showing income credits and regular commitments

Proof of ID and address: Passport or driving licence, plus a utility bill or council tax bill dated within the last 3 months

Brighton Property Market & Local Knowledge

Brighton is one of the UK's most popular coastal cities, attracting a real mix of buyers from young professionals and families to retirees and investors. Understanding the local market helps us give you the best possible mortgage advice.

Regeneration and growth:

The Brighton and Hove area offers everything from Victorian terraces and Regency seafront apartments to modern new build developments, giving buyers a wide range of choices at various price points.

Average property prices:

Average house prices in Brighton sit broadly between £350,000 and £450,000, though this varies significantly between central streets, seafront properties and the more affordable outskirts of the city.

Key buyer groups:

Demand is driven by London commuters on the fast Victoria and London Bridge services, young professionals attracted by Brighton's culture and tech scene, and retirees seeking a vibrant coastal lifestyle.

Transport links:

The fast train from Brighton to London Victoria takes around 52 minutes, making it one of the most popular commuter towns in the south east and keeping property demand consistently strong.

Services

Mortgage Services We Offer in Brighton

How Much Can You Borrow?

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This is an estimate only. Actual lending is subject to your credit profile, outgoings, deposit and lender criteria. Speak to one of our advisers for a personalised assessment.

FAQ

Brighton Mortgage FAQs

Mortgage Brokerin Brighton

Mortgage Broker & Advisers in Brighton

Why choose Alexander Southwell Mortgage Services?

Mortgage Broker Brighton Quick Summary

Fee structure:

Brighton coverage:

Client types:

Same-day service:

Brighton Mortgage Brokers

How Our Brighton Mortgage Service Works

Step 1 – Initial Consultation

Step 2 – Research & Recommendation

Step 3 – Decision in Principle

Step 4 – Full Application & Valuation

Step 5 – Offer to Completion

Brighton Property Market & Local Knowledge

Mortgage Services We Offer in Brighton

How Much Can You Borrow?

First Time Buyers Brighton

Remortgage advice Brighton

Buy to let mortgages Brighton

New build mortgages Brighton

Ready to Take the First Step?

Speak to one of our fee-free mortgage advisers today. We'll calculate your affordability, explain your options, and help you move forward with confidence.

Brighton Mortgage FAQs

Is there a fee-free mortgage broker in Brighton?

How much deposit do I need to buy a home in Brighton?

Can I get a mortgage in Brighton if I am self-employed?

What is an Agreement in Principle and do I need one when buying in Brighton?

Mortgage Broker
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