Mortgage Broker West Sussex
Our mortgage brokers are independent of any lender and offer a full spectrum of straight talking, expert financial advice. Perfectly positioned to help you with your mortgage requirements.
for West Sussex
Remote Appointments
Advisors 2022
Why choose Mortgage Brokers with SAM Conveyancing?
Whether you are making a purchase or remortgaging a property, using an impartial mortgage advisor saves you from being pressured by any specific lender, so you can choose the best deal available from the whole market.
We can offer you a free* initial consultation with our independent mortgage brokers at Advies. They search across the whole market to provide the best mortgage rates that match your needs and circumstances, with access to exclusive rates that can beat the high street lenders.
We are delighted to announce that Advies have been recognised by the Financial Times as being one of the FT Adviser UK Top 100 Financial Advisers 2022.
Our mortgage advisors attain the strictest Financial Conduct Authority standards, to ensure honest, competitive and fair services, to you.
Changed from 4% on the
17th December 2025
.Can you afford a mortgage in West Sussex?
Location | What is a 10% Deposit | What mortgage do you need? | What would your salary need to be? (estimated based on 4.5 times salary) |
Crawley | £31,484 | £283,356 | £62,968 or £31,484 per salary with a joint purchase |
Billingshurst | £61,638 | £554,749 | £123,277 or £61,638 per salary with a joint purchase |
The rate of your mortgage will affect your affordability assessment. Use our calculator to see how the current rate will affect your monthly payments.
Our Mortgage Broker Guide to getting a mortgage in West Sussex
The mortgage application process has 4 stages regardless of which mortgage lender you use:
- 1Approval/Decision in Principal (AIP/DIP)
- 2Mortgage in Principal (MIP)
- 3Mortgage Valuation
- 4Mortgage Offer
Checked one score? Check all 3!
Remember that in the UK there are 3 main credit reference agencies: Experian, Equifax and TransUnion. All 3 use different methods to produce a credit score and one or all may be consulted by a lender about your creditworthiness.
It therefore makes more sense to check your score – and file – for all 3 so you have a complete picture of how your profile is viewed and can take any necessary steps to keep your credit score as high as you can.
Repayment Mortgage
You have to take out a repayment mortgage if you are a residential home buyer. You are granted a mortgage loan normally conditional on your saving a deposit of a minimum of 10% of the purchase price (in certain circumstances a lower percentage or even no deposit may be acceptable) and you commit to making regular monthly repayments over an agreed term, frequently 25 years, during which you pay back the loan.
For each payment you make, a portion of the money goes toward paying the interest on the loan and the rest goes towards paying down the capital. You accumulate more of the underlying capital over time so the interest element becomes less and the portion devoted to paying off the principal increases.
The biggest advantage of a repayment mortgage is that as long as you make all the payments, you can rest assured that at the end of the term you'll own the full equity of your property. This is not guaranteed to be the case with an interest-only mortgage; these mortgages are now only open to commercial customers.
If your home purchase in West Sussex is being financed with the help of family and friends, making sure your solicitor has all of the information in good time can speed up the conveyancing process.
Your solicitor will need proof of funds, ID and relevant documentation where there is a loan or a gift. Without these documents, you may not be able to exchange until your solicitor has them in his hands.
Even then, a mortgage lender may be unwilling to lend where there is an unregistered interest, i.e. the financial interest of this third party, over the property.
As things can get so complicated, it is important to get things sorted out from the outset so your solicitor can get working on it as soon as possible.
Get your FREE Fixed Fee Conveyancing Solicitors Quote
Fixed Fee – No Sale No Fee – On all Major Lender Panels
Frequently Asked Questions: Mortgage Brokers West Sussex
The benefit of using a mortgage broker is having one expert doing the research and comparison for you, rather than dealing with multiple lenders who all want to sell you their own products. Our independent West Sussex mortgage brokers have access to better deals than the general public and can negotiate on your behalf.
Mortgage Broker West Sussex - Recently Completed
- Davits Drive, Little Hampton, West Sussex, BN17 6RU
- 22 Mannings Close, Crawley, West Sussex, RH10 3TX
- Russets, Felcourt Road, Felcourt, East Grinstead, West Sussex, RH19 2LA
- 42 Hyde Heath Court, Crawley, West Sussex, RH10 3UQ
- Karakal, Rosemary Avenue, Steyning, West Sussex, BN44 3YS
Watch our video to find out how to organise your mortgage and funding for your purchase.
