Independent mortgage broker Brighton
Trusted mortgage experts.
Simple, stress-free advice.
Whole-of-market advice from a qualified broker, we search every lender to find a mortgage that suits you. 
FCA
regulated
Fully authorised & regulated
by the FCA
100%
independent
Whole-of-market access.
Stress free, quick turnaround
1000+
mortgages arranged
for happy clients
Mortgage broker services in Brighton
Whether you're buying, remortgaging or investing, John searches the whole market and handles the application for you.
Book a free 15-minute call or call 01273 007740First-time buyers
Get onto the ladder with a smaller deposit.
Remortgaging
Switch deals, fund home improvements or consolidate debt.
Bad credit
Defaults or missed payments needn't rule you out. Rates may be higher.
Bridging loans
Short-term finance for auctions and properties that need work.
Protection
Life, critical illness and income protection cover.
Later life lending
Equity release and lifetime mortgages, explained clearly.
We search 1000's of mortgage deals across the whole market, including...
Speak to John, your Brighton mortgage adviser
John spent 7 years in banking before becoming a mortgage adviser in 2012. He's CeMAP-qualified, searches the whole market, and handles your case himself from first call to completion.
Testimonials
As a first-time buyer, navigating the mortgage process felt overwhelming at first, but working with John and his team made all the difference. From the first phone call through to the finish, John was exceptionally helpful, patient, and knowledgeable, and just down to earth, this gave me great reassurance as I had no idea about the process and what was involved. What stood out most was how accessible he was. It genuinely felt like he was always at the other end of the phone whenever I had a question or needed reassurance. He guided me smoothly through every step of the journey and secured a fantastic rate for me. I couldn't have done it without him and wouldn't hesitate to recommend 'Everest Mortgage Services' to anyone buying their first home, or any home for that matter! I have already passed on his business cards to my close friends and family. Truly a 10 out of 10 experience! Thank you again John, to you and your fantastic team!
Read on Google I am so happy we chose Everest mortgage services and I would recommend to everyone! John made the process as easy, efficient and detailed as possible. He has been the most valuable part to this mortgage journey. He really wants to help us as much as he can and John is equally as invested in the success of the process as we are. John started by giving us several options and he was very honest and understanding throughout. As soon as we needed a mortgage in principle, he was so efficient and kindly set the next available time to write this for us. Communication was excellent, he has always been available if we’ve had any question, big or small. Thank you John for making this the best experience, it has been a joy to work with you.
Read on Google We had a great experience with John and can’t recommend him enough. He was incredibly friendly and walked us through the process, exploring and explaining all of our options and was always available throughout the process for help and advice, making a daunting process very stress-free. His knowledge, professionalism and communication was just what we needed and we really appreciate the time and effort he put in to helping us. Very positive experience overall and wouldn’t hesitate to recommend his services!
Read on Google John was fantastic to work with. Our mortgage application was initially declined by the bank for what was clearly an unreasonable reason, but John didn't give up. He put together a well-prepared complaint, and thanks to his efforts the bank reversed its decision. Communication was excellent and timely throughout – a real pleasure to deal with. Highly recommend John!
Read on Google John has been invaluable in the process of my remortgage. He took time and care to understand my situation and support in every step of the way. His communication was clear and always super quick. His services really are worth every penny and I wouldn’t hesitate recommending him to anyone going through a similar process. Many thanks John!
Read on GoogleReviews from Google Maps
Mortgage brokers in Brighton
Brighton & Hove is one of the most expensive places to buy outside London, and competition for good properties is strong. A mortgage broker helps you work out what you can borrow, find a lender that suits your circumstances, and keep your purchase on track when the chain gets complicated.
Everest Mortgages works with first-time buyers, home movers, landlords and self-employed buyers across the city. We search the whole market, handle the application and deal with the lender for you.
today
Find out how much you could borrow in minutes. No credit check, no commitment - just clear, honest mortgage advice.
The Brighton & Hove property market
The average house price in Brighton & Hove was £409,000 in July 2026, compared with £381,000 across the South East and £273,000 across the UK. Prices have dipped 1.1% over the past year, but buying here still takes a bigger deposit and a higher income than in most of the country.
First-time buyers paid an average of £344,000. Flats and maisonettes averaged £296,000, terraced houses £476,000 and semi-detached homes £550,000.
Renting isn’t cheaper. Average rent in the city was £1,808 a month in August 2026, against £1,400 across the UK. That’s why many renters want to buy, and why the city stays popular with landlords.
Lenders also treat some common Brighton properties differently, such as flats above shops, converted Regency buildings and short-lease flats. Knowing which lenders will accept them saves time and fees.
Source: ONS, Housing prices in Brighton and Hove. House prices July 2026 (provisional); rents August 2026.
How much can you borrow?
Whether you’re employed, self-employed, or a limited company director, our specialist calculators give you a realistic range of your borrowing power in seconds.
Choose a calculator
Visit or call us
Mortgage advice in Brighton & Hove
Based in Southwick, a short drive or train ride from central Brighton. We meet clients at our office, at home anywhere in Brighton & Hove, or by video call.
- Address Everest Mortgage Services, 5 Green Mews, Southwick, Brighton, BN42 4DZ
- Phone 01273 007740
- Getting here 18 minutes by car from Brighton city centre 13 minutes by train from Brighton station to Southwick
- Hours Mon–Sat 9am–6:30pm
Areas we cover
We help buyers and homeowners across the city, including:
- Hove
- Kemptown
- Hanover
- Seven Dials
- Preston Park
- London Road
- Portslade
- Patcham
- Hollingdean
- Withdean
- Woodingdean
- Rottingdean
- Saltdean
Protection and insurance
A mortgage is usually your biggest monthly outgoing. We advise on cover that keeps it paid if you can’t work or something happens to you:
- Life insurance pays off or reduces your mortgage if you die during the term
- Critical illness cover pays a lump sum if you’re diagnosed with a serious illness listed in your policy
- Income protection pays a monthly income if illness or injury stops you working
We’ll look at what you already have through work before recommending anything.
Bridging loans in Brighton
Bridging finance is short-term, interest-only borrowing secured on property. Brighton landlords, investors and developers use it to:
- Buy at auction, where completion is usually due within 28 days
- Buy an unmortgageable property, such as one with no working kitchen or bathroom, then refurbish it and refinance onto a buy-to-let mortgage
- Move quickly on an investment before another buyer does
Bridging costs more than a standard mortgage and you need a clear exit, usually a sale or a refinance. We’ll set out the full costs and the exit before you commit.
Find out more about bridging loansWhy choose Everest Mortgages?
Independent, whole-of-market advice from advisers who put you first, every time.
Advisers you can trust
We're totally impartial and focused on finding the perfect mortgage to suit you - not the lender.
We search the market for the right deals
We work with all lenders, big and small, to give you exclusive access to a comprehensive range of mortgage rates.
We work to your schedule
We're flexible to fit around you - evenings, weekends, whatever works best for your life.
We take away the hassle
We deal with lenders on your behalf, so everything from paperwork to negotiation is completely stress-free.
We're supportive and friendly
Our highly experienced advisers make the entire buying process painless by taking all the work off your hands.
Your mortgage, made simple
From first call to keys in hand. John does the legwork.
- 1
Tell us what you need
A free 15-minute call. Buying, moving or switching, and what you want to achieve.
- 2
We search the whole market
John compares lenders to find a deal that suits you and can arrange your agreement in principle.
- 3
We handle the rest
The application, plus chasing the lender, solicitor and estate agent through to completion.
- 4
We stay in touch
John reviews your mortgage before your deal ends, so you don't drop onto the lender's standard rate.
15-minute call · No commitment · Meet in person or by video
Case Study
A Fixed-Term Teacher Securing a Mortgage
Hover over each stage to follow the journey
Stage 01
The Challenge
A client approached Everest Mortgages after recently arriving in the UK on a spouse visa. With limited UK employment history, they had already been told by two other mortgage brokers that obtaining a mortgage could be difficult or potentially impossible.
The client wanted to understand whether they could realistically secure a mortgage and what they could do to strengthen their application.
Stage 02
Our Approach
Rather than ruling the application out, we looked at the client’s wider circumstances and considered what could be improved before approaching lenders.
We advised the client to build up their UK employment history and obtain their first payslips before making the mortgage application. This gave the client stronger employment evidence and allowed us to approach the application with a clearer picture of their circumstances.
For applicants who have recently moved to the UK, lender criteria can vary significantly, so having the right evidence of income, employment and immigration status can be an important part of preparing an application.
Stage 03
The Outcome
In less than 4 months, the client secured a mortgage offer and the keys to their new home!
The case demonstrates why clients with less straightforward circumstances can benefit from taking the time to understand what lenders are likely to require before making an application. Rather than assuming that a mortgage is unavailable, the right preparation can help put an applicant in a stronger position.
Stage 04
Broker Insight
Complex circumstances do not necessarily mean that getting a mortgage is impossible. In situations involving recent arrivals to the UK, limited employment history or other unusual circumstances, the timing of an application can be just as important as the mortgage itself.
Taking the time to understand the full picture and identify what can be improved before applying can make a significant difference. At Everest Mortgages, we look at the wider circumstances rather than making a decision based on one factor alone. Our role is to help clients understand what is realistically achievable and guide them towards appropriate mortgage options for their situation.
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Frequently asked questions
Do you meet in person?
Yes. We can meet at our Southwick office, at your home in Brighton & Hove, or by video call.
What documents will I need?
Photo ID, proof of address, 3 months’ payslips and bank statements, and proof of your deposit. If you’re self-employed, add 1–2 years’ tax calculations and tax year overviews, or company accounts.
How much can I borrow?
Most lenders offer around 4 to 4.5 times your income, and some go higher for certain professions or incomes. Your outgoings, credit commitments and deposit all affect the figure.
Get a quick estimate with our How much can you borrow calculator.
Are there any fees involved?
Yes. The biggest fee is likely to be the arrangement fee and this might also be known as the product fee. However, depending on the product you choose, there might not be any fee. Some lenders might also charge a booking fee while there might be a valuation fee too. However, we will discuss all fees with you when we go through your options because we believe in transparency.
Will you find me the right mortgage deal?
We always work to your circumstances which means we only ever offer you the right product. As we have access to the whole mortgage market, we always consider the wide range of options that are available to you.
Is it possible to get a mortgage if I have bad credit?
While bad credit can make it more challenging to get a mortgage, our team will do everything possible to find the right lenders who are more likely to offer you a mortgage based on your circumstances.
What's the difference between a broker and going to my bank?
A bank can only offer its own mortgages. As a whole-of-market broker we compare lenders across the market, including specialist lenders that don’t deal with the public directly. That matters most if you’re self-employed, have a small deposit or have had credit problems.
How long does it take?
An agreement in principle can take minutes. A full mortgage offer typically takes 2-4 weeks from application, depending on the lender and the valuation. We chase the lender throughout.
Can you help if I've been declined by another lender?
Often, yes. Lenders have different rules on income, credit history and property type. A decline from one lender doesn’t mean every lender will say no. We’ll look at why you were declined before applying anywhere else.
I'm self-employed. Can I still get a mortgage?
Yes. Most lenders want two years’ accounts or tax calculations, but some accept one. If you’re a limited company director, some lenders will use your share of company profits rather than just salary and dividends
What is whole of market mortgage advice?
We are not tied to any specific lender, which means we can search the whole mortgage market to find the best product for your situation. Whether you are employed, self-employed, or have complex financial circumstances, we will take the time to understand your needs and provide a mortgage solution that works.
What support is available for equity release, mortgage rates, and later Life lending?
We also support clients exploring later life options such as equity release or lifetime mortgages. These products can offer a flexible way to access funds in retirement without having to sell your home. We will walk you through the pros, cons, and long-term impact so you can make an informed choice with peace of mind.