The Best Mortgage Brokers in Brighton

Brighton has a small mortgage broker market. Trustpilot lists only eight brokers registered in the city, which makes comparing them a good deal simpler than it is in London or Manchester. It also means the differences between them matter more, because there is no long tail to fall back on.

This page covers all eight, ranked on their Trustpilot scores and review counts, along with what each one charges you for advice. Trustpilot scores and review counts change daily, so the figures below reflect the position on the review date shown above.

Brighton’s Mortgage Brokers at a Glance

Every broker registered in Brighton on Trustpilot, followed by the national brokers that also serve the city, with their scores, review counts, and what each charges.

For context, Trustpilot puts the industry standard for the mortgage broker category at 4.1 out of 5, so all eight Brighton brokers sit above the typical firm in their sector. What the table also shows is how few of them publish what they charge, which is covered further down this page.

The 5 Best Mortgage Brokers in Brighton on Trustpilot

These five are ranked on Trustpilot TrustScore first, then on the number of reviews behind that score. Only two Brighton brokers, Mortgage Medics and M.E.C Mortgages, currently carry Trustpilot’s “most relevant” status, which requires a firm to actively ask its customers for reviews and to have collected at least 25 in the last 12 months. That is worth knowing, because it means most Brighton brokers are not actively gathering recent feedback, and their scores rest more heavily on older reviews.

1) Mortgage Medics

• TrustScore: 5.0 | 1,862 Reviews
• Services: Mortgage Medics was founded in 2007 by Sam Murphy and Jon Bloomfield and works from offices in Brighton, Hove, and Woking. They offer independent, whole-of-market advice on residential mortgages, buy-to-let mortgages, first-time buyer purchases, and protection. Their review count covers all three offices and dwarfs every other Brighton broker, which tells you they have been collecting feedback consistently for years rather than in a recent push. Mortgage Medics charge a fee for advice, and they publish their typical fees on their website, which few local brokers do.

2) M.E.C Mortgages

• TrustScore: 4.9 | 154 Reviews
• Services: M.E.C Mortgages works from Davigdor Road in Hove and was founded by Michaela Christian. They cover first-time buyers, home movers, remortgages, buy-to-let, commercial, adverse credit, and debt consolidation, with access to hundreds of high street and specialist mortgage lenders. Their stated speciality is first-time buyers and applicants who have been declined elsewhere, and reviewers frequently mention coming to them after a previous broker gave up.

3) McCreath Financial Partners

• TrustScore: 4.9 | 104 Reviews
• Services: McCreath Financial Partners has worked across Sussex since 2010 from Stanmer House, combining mortgage advice with pensions, investments, and estate planning. They often work alongside legal professionals, which suits clients who want a mortgage arranged as part of a wider financial picture rather than on its own. They do not publish what they charge for mortgage advice.

4) Beyond Equity

• TrustScore: 4.8 | 136 Reviews
• Services: Beyond Equity is a specialist rather than a general broker. Working from Tichborne Street, they focus on lifetime mortgages and later-life lending for the over-55s, an area many high street mortgage lenders handle poorly or decline outright on age grounds. Beyond Equity is a trading name of One Stop 4 Equity Release Limited, and has also traded as Unleash Equity. They charge a fee, which their customers describe as payable on completion rather than upfront. If you are borrowing in or near retirement or releasing equity, they are the obvious Brighton starting point. If you are a first-time buyer, they are not.

5) Latitude Finance

• TrustScore: 4.8 | 49 Reviews
• Services: Latitude Finance works from Preston Park House and offers whole-of-market mortgage advice alongside protection reviews, with a particular niche advising people working in aviation. They are an appointed representative of BrokerSync Ltd. Some of what they arrange, such as commercial buy-to-let, falls outside FCA regulation, so it is worth asking which parts of your case are regulated. Their website states there may be a fee for mortgage advice, with the amount agreed after your first meeting.

The three other Brighton brokers on Trustpilot

Below the top five sit three smaller firms, all with fewer than 25 reviews. Small review counts do not mean poor service, but they do mean the score rests on a handful of experiences.

• Your Mortgage Group, 4.7 from 24 reviews, based on Havelock Road.
• Sussex Mortgages, 4.6 from 17 reviews, based on Bentham Road and run by Kevin Boyd and Simon Rhodes. A trading name of First Choice Mortgage & Protection Ltd, an appointed representative of PRIMIS. They are the only Brighton broker other than Mortgage Medics to publish a fee, quoting between £0 and £999 depending on complexity, which at least tells you the range before you make contact.
• Everest Mortgages, 4.5 from 15 reviews. Founded by John Everest, who spent over a decade at Lloyds Bank in credit operations before starting the firm, Everest has arranged more than 1,000 mortgages across 14 years and has grown largely by word of mouth. The Trustpilot count understates the size of the business, and they run one of the more detailed Brighton mortgage sites, including a page specifically on mortgages for flats above shops.

What Brighton Mortgage Brokers Charge

Here is something the other guides to Brighton brokers will not tell you: none of the eight brokers registered in Brighton on Trustpilot advertises a completely fee-free service.

We checked all eight websites for a published fee. Three say something useful. Mortgage Medics have a fees page setting out typical charges that vary with loan size and complexity. Sussex Mortgages state a range of £0 to £999 depending on the case. Latitude Finance say there may be a fee, agreed after your first meeting. Beyond Equity charge a fee payable on completion, according to their own customers, though the amount is not published anywhere.

The remaining four say nothing at all about what they charge.

Silence is worth reading as an answer. A broker who charges nothing (fee-free broker) has every commercial reason to say so loudly, because it is the strongest thing they could put on a homepage. When a firm publishes detailed pages on every mortgage type and nothing on its own fee, it is usually because there is a fee to discuss once you are further down the line. That is not a criticism of any firm here, and it is entirely legal, but it does mean the question is yours to ask, and to ask before any work starts.

Several do advertise a free initial consultation, and that is worth reading carefully, because a free first consultation and a fee-free service are two very different things. The first costs you nothing to find out your options. The second costs you nothing at all. Everest Mortgages, for example, answer the question “are there any fees involved?” on their own site by explaining lender arrangement, booking, and valuation fees, without mentioning a broker fee either way.

The amounts are not trivial. A 2026 study of UK broker fees put the average at £643, up from £500 the year before, and percentage-based fees on a Brighton property will run well beyond that. Brighton and Hove’s average house price was around £428,000 in September 2025.

Questions worth asking about fees

• Is the fee payable on application or on completion? Paying on application means you can pay and still end up without a mortgage.
• Is it a fixed amount or a percentage of the loan?
• Does it change if my case turns out to be more complex than expected?
• Do I pay anything if the purchase falls through?

National Mortgage Brokers That Also Cover Brighton

Brighton’s eight local brokers are not your only option. A mortgage can be arranged from anywhere in the UK, and several national brokers work with Brighton clients by phone, video call, and app. They do not appear in Trustpilot’s Brighton listing because Trustpilot files brokers by registered office rather than by the areas they cover.

Four of them charge you nothing at all, which no Brighton-registered broker currently advertises.

• Habito, 4.9 from 10,808 reviews. Fee-free and whole-of-market, handling the application and paperwork online alongside insurance and surveys. Acquired by the bank Monzo in April 2026.
• Mojo Mortgages, 4.8 from 10,249 reviews. No fee at any point, comparing more than 70 mortgage lenders, and Mojo tells you what commission the lender pays before you proceed.
• Better, 4.8 from over 10,000 reviews. Launched as Trussle in 2015 as the UK’s first fully digital mortgage broker, comparing over 100 lenders with no broker fee.
• YesCanDo Money, 5.0 from over 1,500 reviews. Family-run and fee-free across residential, remortgage, buy-to-let, self-employed, and visa mortgages, plus protection. The highest TrustScore of the four.

Tembo is also worth knowing about if a parent or family member is helping you buy, since they specialise in joint borrower sole proprietor and deposit-boosting arrangements. Tembo holds 4.8 from 7,424 reviews and charges a fee starting at £499.

The trade-off worth understanding

National brokers give you scale, fee-free advice in several cases, and a process built around getting an application submitted quickly. What most of them do not have is a working knowledge of Brighton’s housing stock. An adviser who has placed mortgages on flats above shops in the Lanes, on share-of-freehold Regency conversions, and on short leases in Hove knows which mortgage lenders say yes before the application goes anywhere.

That local knowledge is not the same as a local office. Plenty of brokers with a Brighton address handle mostly straightforward cases, and plenty of national brokers handle Brighton property every week. The question to ask either way is whether they have placed a mortgage on a property like yours before, which is worth more than where they happen to sit.

How We Built These Lists

Every broker on this page comes from Trustpilot’s Brighton mortgage broker category, which listed eight firms when we checked. Unlike our London guide, where there were enough brokers to build several separate lists, Brighton is small enough to cover in full, so nobody has been left out.

What to weigh up when choosing a mortgage adviser

1. Whether they know your situation. Brighton’s brokers are noticeably specialised. One focuses on over-55s lending, another on aviation professionals, another on first-time buyers who have been declined. Ask what proportion of their cases look like yours.
2. What they charge and when. Only one Brighton broker publishes fees, so you will have to ask. Get the answer before any work starts.
3. Their regulatory position. Every broker should be authorised by the Financial Conduct Authority, either directly or as an appointed representative of a network. You can check any firm on the FCA register, and it is worth doing where a firm trades under a different name from the one it is registered under.
4. Their reviews, read properly. Look past the score at what the negative reviews say and whether the firm replies to them. Trustpilot also shows an AI-written summary at the top of each company profile, drawn from a firm’s recent reviews, which is a quick way to see the themes in both the praise and the complaints.

How a Good Mortgage Broker Stops You Getting Declined

A good mortgage broker does not just find you a cheaper rate. The bigger job is getting your application approved first time, because a decline costs you far more than a slightly higher interest rate ever will. If a mortgage lender turns you down after a full application, the hard credit search stays on your file, you go back to the start with a different lender, and the delay can put a purchase at risk.

Why Brighton properties catch people out

Most declines are not caused by anything being wrong with the applicant. They are caused by the application going to a mortgage lender whose criteria never fitted. In Brighton, the property is unusually often the reason.

• Flats above commercial premises. The Lanes, North Laine, and the length of Western Road are full of them. Many mortgage lenders will not lend at all above a takeaway or a bar, some will lend above a quiet retail unit, and the rest sit somewhere in between. This single criterion rules out a large part of the market before you start.
• Converted period properties. Brighton and Hove’s Regency and Victorian terraces have been divided into flats for over a century. Some conversions were done long before anyone kept records, and lenders differ sharply on how they treat a share of freehold, an absent freeholder, or a flying freehold.
• Short leases. A lease under 80 years narrows your options considerably, and some mortgage lenders want a minimum term remaining at the end of the mortgage rather than at the start. It is worth knowing the exact number of years before you offer.
• Student lets and houses in multiple occupation. With two universities in the city, HMO buy-to-lets are common. They need specialist lenders, and the number of lettable rooms can change which lenders will consider it.
• Listed buildings and conservation areas. Much of central Brighton and Hove is covered. Some mortgage lenders apply extra conditions, and a valuer’s comments on a listed property can change the offer.

What a good broker does about it

An experienced adviser works out which mortgage lender fits both you and the property before anyone runs a credit search. That means checking your credit file first, understanding how each lender treats your income, and knowing which lenders will accept the building you are buying. Where there is doubt, a good broker will speak to a lender’s underwriters about your case before submitting anything.

The work continues after the application goes in, chasing the valuation, answering underwriter queries, and keeping your solicitor and estate agent updated. Most delays come from information sitting with someone who has not been chased.

How long a mortgage offer takes in Sussex

Most guides will not give you a number, so here is ours. Across 30 Sussex mortgage applications that YesCanDo submitted between August 2024 and August 2026 and that went on to receive a mortgage offer, half were offered within 10 days of submission, 18 of the 30 within 14 days, and 25 of the 30 within 30 days. The pattern held across both years.

Product transfers, where you stay with your existing mortgage lender, are quicker by nature. Taking those out leaves 21 purchase and remortgage applications, and half of those were offered within 12 days.

The point is not the speed on its own. It is that an application submitted to a mortgage lender whose criteria already fit tends to move quickly, because there is nothing for an underwriter to argue with. The cases that take three or four weeks are usually the ones where something had to be explained, evidenced, or re-submitted.

Questions worth asking before you choose

• Will you check my credit file before we apply anywhere?
• How many mortgage lenders can you access, and are any of them off limits to you?
• Have you placed a mortgage on a property like this one before?
• What do you charge, when is it payable, and do I pay anything if the mortgage does not complete?
• Who will I be dealing with once the application has been submitted?

Frequently Asked Questions

Who is the best mortgage broker in Brighton?

Mortgage Medics tops Trustpilot’s Brighton mortgage broker category with a TrustScore of 5.0 from 1,862 reviews, which is more than ten times the review count of any other Brighton broker. Whether they are the best for you depends on your circumstances, since several Brighton brokers are specialists: Beyond Equity focuses on over-55s lending and Latitude Finance on aviation professionals.

How many mortgage brokers are there in Brighton?

Trustpilot lists eight mortgage brokers registered in Brighton. That is the number registered in the city itself. Many more brokers serve Brighton from elsewhere, including national and fee-free firms, because a mortgage can be arranged from anywhere in the UK.

Are there any fee-free mortgage brokers in Brighton?

None of the eight brokers registered in Brighton on Trustpilot advertises a completely fee-free service. Two offer a free first appointment, which is not the same thing, and the rest do not publish their fees at all. Fee-free brokers do cover Brighton, including Habito, Mojo Mortgages, Better, and YesCanDo Money, but all four are registered elsewhere so they do not appear in Trustpilot’s Brighton listing.

Do I need a Brighton-based mortgage broker?

No. A broker anywhere in the UK can arrange a mortgage on a Brighton property, and most work by phone, video call, and email. What matters more than the office address is whether the broker knows how mortgage lenders treat Brighton’s housing stock, which contains a high proportion of period conversions, flats above shops, and short leases.

How long does it take to get a mortgage offer in Brighton?

Across 30 Sussex mortgage applications that YesCanDo submitted between August 2024 and August 2026 and that went on to receive an offer, half were offered within 10 days of submission and 18 of the 30 within 14 days. Timescales vary by mortgage lender and by how straightforward your income and the property are, and unusual properties take longer because the valuation carries more weight.

Is it better to use a mortgage broker or go to a bank in Brighton?

A mortgage broker compares mortgages from a range of lenders, while a bank can only tell you about its own products. That matters particularly in Brighton, where the property itself often rules lenders out. A bank cannot tell you that a different lender would accept the flat above the shop you are buying.

YesCanDo Money, A Fee-Free Mortgage Broker Covering Brighton

YesCanDo are a fee-free mortgage broker covering Brighton, Sussex, and the rest of the UK, with over 25 years arranging mortgages as a firm. We charge nothing for advice, and we have arranged mortgages on the kind of Brighton property that gives lenders pause. Speak to a mortgage broker covering Brighton when you are ready to start.

We believe in collaboration over competition, which is why we have covered every Brighton broker on this page rather than only the ones that flatter us.

• A TREE PLANTED FOR EVERY MORTGAGE