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Mortgage Broker in Brighton

Looking for a mortgage broker in Brighton? People get in touch for different reasons. It might be a first home, a move within the city, a remortgage, or a buy-to-let. We talk through what you’re trying to do and give fee-free mortgage advice that fits the situation you’re in.

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Free Mortgage Broker in Brighton

A lot of people ask whether the advice really is free. Sometimes they assume it sounds too good to be true. However, our service is free. You don’t pay us for the advice or the application work. We’re paid by the lender once your mortgage completes.

It keeps things simple and means you can focus on the property rather than worrying about broker fees on top.

Hi, we’re YesCanDo Money, trusted mortgage advisers in Brighton

At YesCanDo Money, we talk mortgages in a way that makes sense. A lot of people get stuck trying to follow rates, lender criteria, and what applies to their situation. We focus on what matters for the property and the borrowing, and leave the rest out of it.

When you’re ready, it starts with a simple conversation about what you’re trying to do. From there, we take care of the application, the back and forth with the lender, and the parts that usually hold things up. That way, you can concentrate on finding a place in Brighton that feels right, rather than getting dragged into admin.

We are a trusted mortgage broker to thousands of happy customers in East Sussex and beyond. They appreciate us for our transparency and whole-of-market approach. This means we have access to around 14,000 mortgage products from over 90 UK lenders, including high-street banks and specialist mortgage providers. This allows us to find the most suitable mortgage for your needs – even if your circumstances are a little complicated and you don’t fit traditional lending criteria.

Call us today on 033 0088 4407 or WhatsApp us for a friendly, no-obligation chat.

We work with over 90 Mortgage Lenders

Why Choose YesCanDo Money for your Brighton Mortgage?

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We spend a lot of time working on cases across East Sussex, so we’re familiar with how small details can affect a mortgage offer. Prices move around between towns, demand stays strong near commuter routes, and some lenders are more cautious with certain property types or locations.

A flat in Brighton and Hove won’t be looked at the same way as a house in Lewes, or something older around Uckfield or Hastings. That local detail is factored in when we’re deciding which lenders are worth approaching in the first place.

What you can expect from us

Choosing the right mortgage broker makes a difference to how the whole thing feels. People in Brighton and across Sussex often mention the same things when they talk about working with us, so here’s a sense of what you can expect.

Access to exclusive deals

Some lenders only work through brokers, and a few offer rates you won’t see if you go straight to the bank. It can help when a situation isn’t perfectly straightforward, or when a property needs a bit more lender flexibility. We look across the market, rather than starting with one bank’s options.

Clear, jargon-free guidance

We like to keep things simple. Our expert mortgage advisers will explain everything in plain English without the waffle, so you always know exactly where you stand.

Support with all the paperwork

There’s more admin in a mortgage than most people expect. We handle the forms, deal with the lender when they come back with questions, and stay in touch with the estate agent and solicitor so you’re not juggling it all yourself.

Regular updates throughout the process

Nobody likes guessing what’s happening with their application. We check in with you as things move along so you always feel in the loop. Sometimes that’s a quick call, sometimes a message, whatever suits you and keeps things easy.

Whole of market mortgage advice

We’re not tied to any one lender, so the advice is shaped around what fits you best. It helps when your income or credit history doesn’t sit neatly in a box, or when the property is a little out of the ordinary.

Flexible appointments

We’re happy to work around your schedule and offer online meetings, phone calls, or in-person appointments at a time that suits you. We also communicate via WhatsApp to keep things simple and convenient.

Our Customer Reviews Make Us Blush

At YesCanDo, we take immense pride in the positive feedback we receive from our satisfied clients. We have been given hundreds of Trustpilot five-star reviews, we believe this shows our commitment to our clients.

Worked with us before? Feel free to leave us a review on either Google or TrustPilot.

Our Brighton Mortgage Services

People come to us for all kinds of reasons, and no two situations look exactly the same. Some are buying their first place, others are remortgaging, and plenty are working through more complicated circumstances. Whatever it is, we look at the whole market and shape the advice around what you’re trying to do. Below is a quick look at the areas we help with most often in Brighton

First-time Buyer Mortgages Brighton

Buying your first place usually comes with a lot of unknowns. Deposits, affordability checks, and how lenders actually assess an application. It isn’t always obvious what matters and what doesn’t. We explain how the process works and deal with the mortgage side, so you know where you stand before anything is submitted.

Remortgage Services in Brighton

Remortgaging isn’t always about chasing a better rate. Sometimes a deal is ending. Sometimes plans have changed. We look at what’s available across the market and handle the switch, including the paperwork and lender contact, so it doesn’t turn into a drawn-out process.

Moving Home Mortgages in Brighton

Moving home often means deciding what to do with your current mortgage as well as arranging the next one. Sometimes it makes sense to move the existing deal across. Other times, switching lender works better once the new property and borrowing are clear. We look at both and handle the lender side while the sale and purchase move along, so the mortgage doesn’t slow things down.

Buy-to-let mortgages Brighton

Buy-to-let is assessed differently to a residential mortgage. Lenders focus on rental income, property type, and overall exposure. Whether you already own rental property or you’re buying your first one, we deal with lenders who are comfortable with landlord cases and know what they’re looking for.

Bad Credit Mortgages Brighton

Credit history and income don’t always line up neatly. Missed payments, uneven earnings, or older issues can limit the choice quickly. Some lenders will still look at the detail rather than just a score, and we know where those conversations are worth having.

Mortgage Protection Services Brighton

A mortgage often brings other decisions with it. Life cover, income protection, and related policies tend to come up at the same time. We explain what’s required, what’s optional, and what fits the mortgage you’re taking on.

Our Brighton Mortgage Case Studies

Our team goes above and beyond for our customers. Below are some examples of real situations on how we helped people get a mortgage in Brighton

Buying a first home in Brighton

The situation
Two first-time buyers got in contact with us after finding an end-terrace house in Peacehaven, BN10 that they’d fallen in love with and wanted to put an offer on. The price was £360,000. They had savings for a 10% deposit and wanted to be sure the mortgage side made sense before committing.

The challenge
It was their first mortgage, so the main concern was what the monthly payments would actually look like once everything was in place. They were also keen to keep upfront costs sensible, with plenty of other expenses coming up around the purchase.

What we did
We checked affordability, looked at what was available at 90% loan to value, and compared a few fixed-rate deals. After talking through the differences, we arranged a five-year fixed mortgage with HSBC and added the product fee to the loan to keep the initial outlay down. We handled the application, the valuation, and the lender questions, and stayed involved through to offer and completion with the solicitor.

The outcome
The purchase completed without any issues. They moved into their first home knowing what their monthly payment would be and without having paid a broker fee for the advice or the work.

Couple remortgage Brighton home

The situation
A couple came to us to remortgage their home in Brighton, BN1. Their 5-year fixed rate was coming to an end and they wanted the next deal in place before it dropped onto the variable rate. They weren’t looking to borrow more. It was just about replacing the existing mortgage.

The challenge
They didn’t want to tie themselves in for longer than they needed to. Two years felt more comfortable than five. The monthly payment needed to stay sensible, and the timing mattered so everything switched over cleanly.

What we did
We looked at what was available based on their loan to value and ran through a few two and five-year options. After talking it through, they went with a two-year fixed with The Co-operative Bank. There was no product fee, which kept things straightforward. We handled the application, valuation, and the lender questions, and made sure it all lined up with their existing deal ending.

The outcome
The remortgage completed on time with no gap between rates. They moved onto the new fixed deal as planned, kept the payment where they wanted it, and didn’t pay a broker fee for the advice or the work.

A move to Brighton and a new mortgage

The situation
A couple came to us while relocating from Hastings to Brighton, buying a home around the BN2 area. Their previous place sold for about £290,000, leaving roughly £140,000 once the mortgage was cleared. With savings of around £50,000, they had just under £200,000 to put towards the move.
The Brighton property was priced at £525,000, so they needed a mortgage for the rest.

The challenge
They were comfortable fixing for longer if it gave them stability after the move. One decision was whether paying a product fee made sense if it came with a lower interest rate.

What we did
We compared options with and without a fee and looked at how the numbers worked over time. In this case, paying the product fee reduced the rate enough to make it worthwhile. We arranged a five-year fixed with Nationwide, with the fee added to the loan. We handled the application, valuation, and lender queries through to offer.

The outcome
The purchase completed as planned and they moved into their new Brighton home with a long fixed rate in place. The payments were clear from the start, and no broker fee was charged for the advice or the work.

Local mortgage advice about Brighton

Brighton changes quickly from one area to the next. The centre is dense. Flats above shops. Older buildings close together. Around the Lanes and the seafront, everything feels busy and compact.

Head uphill and it settles. Hanover is mostly terraces. Preston Park feels greener and more spaced out. Patcham, Hove and places further along the coast lean more suburban, with wider roads and fewer flats.

Most of the housing closer in is flats. Conversions, blocks, mixed layouts. Houses show up more as you move out, often older stock, sometimes split into multiple units. Prices tend to sit higher near the seafront, the station, and central pockets. Step away from those areas and things shift fairly quickly.

Renting stays active all year. Students come through both the University of Sussex and the University of Brighton. Others rent while they get established with work, and some stay put once they find the right part of the city. Different areas attract different tenants, which feeds into how buy-to-let cases are viewed.

Trains into London or west to Portsmouth run often. The A27 skirts the city. Roads heading out toward Lewes and the surrounding villages come into play depending on where the property sits. Access and parking can vary a lot depending on the street and the type of property.

If you’re buying or investing in Brighton, those details usually matter once you start looking properly.

Ready to start your mortgage process? Contact us

If you’re looking at buying or remortgaging in Brighton, we’re here when you need us. People come to us at different points. It doesn’t matter whether you’re just starting or already moving things along, we’ll go through it with you and explain what you can do next.

If you’re purchasing a property or remortgaging in East Sussex, you don’t need to have everything figured out before getting in touch. Some people are right at the start. Others are already partway through. We pick it up from wherever things are.

All of our advice and the work around the mortgage is free. The first conversation is simply about getting to know you and your situation, and seeing whether we’re able to help.

People get in touch for different reasons. First purchases. Remortgages. Buy-to-let. Sometimes it’s a case that doesn’t fit neatly into a standard application.

What’s next?

1. We talk it through
We have a 10 min call about your situation and what you’re trying to do. Income, deposit, the property, and any moving parts. From there, we work out what’s realistic and what lenders are likely to offer you.

2. We find and secure the deal
We research options across the market, including lenders you can’t always access directly. Once you’re happy, we secure the rate and get a mortgage agreed in principle, then submit the full application.

3. We see it through to completion
The lender issues a formal mortgage offer once everything checks out. We stay involved right through to completion, and if a better rate becomes available before then, we’ll look at switching where possible.

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Why choose us as your local Brighton mortgage broker?

We’re not a national call centre or an online service where you never speak to the same person twice. We’re a family-run team based in Hampshire, and we work with a lot of people buying and remortgaging in Brighton and Hove. Whether you’re buying your first home, remortgaging, or moving within the city, we deal with cases at all different stages.

Brighton has a mix of flats close to the centre, older houses running up the hills, and more traditional family homes as you move out. Lenders don’t always view those properties in the same way, especially when location or layout comes into play. Understanding how different lenders approach those details helps when working out which options are worth considering.

East Sussex Mortgage Advisers

Discover other East Sussex areas where we’ve helped people with their mortgage.

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Frequently Asked Questions

Are there any fee-free mortgage brokers in Brighton?

Yes. There are lots of mortgage brokers in Brighton, but not all of them are fee free. Some charge a fee on top of the mortgage. YesCanDo Money doesn’t charge for the advice or the work. We’re paid by the lender when the mortgage completes.

How does a fee-free mortgage broker get paid?

The lender pays us once the mortgage completes. It’s the same commission they’d pay if you went straight to the bank. Some brokers add a fee on top. We don’t.

No. You can go direct to a bank if you want. Brighton has a lot of flats and older properties though, and lenders don’t all treat them the same. A broker can help you avoid applying to the wrong lender.

Can a mortgage broker help with leasehold flats in Brighton?

Yes. A lot of Brighton property is leasehold. Things like lease length, service charges, and the building itself can all affect which lenders are available. These questions usually come up early in the process.

Do I need to use a mortgage broker based in Brighton?

No. A broker doesn’t need to be based in Brighton to arrange a mortgage there. What matters more is whether they can access the whole market and give you consistent advice. Good service and the right deal tend to matter more than where the broker is based.