Independent mortgage broker Brighton
Need a mortgage? Get it sorted quickly and stress-free
Whole-of-market advice from a qualified broker, we search every lender to find a mortgage that suits you.
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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, I couldn’t have asked for a better mortgage broker than John. From our very first conversation, he was incredibly friendly and immediately put me at ease, making what initially felt like a daunting process feel straightforward and manageable. John’s communication was outstanding throughout. No question was ever too big or too small, and he always took the time to explain everything clearly and thoroughly. Thanks to his support, I was able to navigate the entire mortgage process with complete confidence. I never once felt stressed or under pressure, which made such a difference as a first-time buyer. His knowledge and expertise are second to none, and he was able to secure me a fantastic mortgage deal. I genuinely felt that he had my best interests at heart every step of the way. I can’t recommend John highly enough. If you’re looking for someone who is knowledgeable, approachable, and truly dedicated to helping their clients, he’s the person to go to. Thank you, John, for making such an important milestone such a positive experience!
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We’re do I start I’m so glad I got recommended to John. He made getting a mortgage feel so easy and effortless. Every question I had to ask John he was so quick to get back to you. He made you feel like he couldn’t do enough. I can not thank him for making it feel personal like he knew us and wanted the best outcome. He also is one of the nicest person I have ever met. If I was going to recommend anyone it would 100% be John.
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I am so grateful to have found John! He is an incredible broker and a genuinely lovely person who goes above and beyond. He makes no question seem like a silly question and has made a stressful process as simple as it can be. I would highly recommend John to everyone and can't thank him enough for his help :)
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When I arrived in the UK, I had only been here for 3 months. I was on a spouse visa, had very little UK employment history, and other mortgage advisers told us that getting a mortgage would be extremely difficult or even impossible. From the first conversation, John gave us confidence. He explained exactly what we needed to do and told us that the most important thing was getting my first few payslips and building my employment record. He had a clear plan from the start. What I liked most was how honest and straightforward he was. He always answered our questions, kept us updated, and made the whole process easy to understand. Nothing ever felt too much trouble. John didn't just help us get a mortgage. He advised us on properties, helped us understand what was a good purchase, guided us on what offer to make, and even helped us find solicitors. It felt like he genuinely cared about helping us buy the right home, not just getting the mortgage approved. In less than 4 months, John achieved what two other mortgage advisers told us was impossible. We now have a mortgage offer and are buying our first home together. The whole experience was smooth, professional and surprisingly stress-free. John was always there when we needed advice and support. If you are a first-time buyer, new to the UK, or have a complicated situation, I highly recommend speaking to John before anyone else. Thank you, John. You have helped us achieve something we never thought would be possible, and we will always be grateful.
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Outstanding Mortgage Broker – Truly Exceptional Service My husband and I cannot recommend John Everest at Everest Mortgage Services highly enough. As first-time buyers, we were told by two other mortgage advisers that getting a mortgage would be virtually impossible due to our circumstances. My husband, Aba, had only been in the UK for five months on a spouse visa, had a very limited UK credit history, and was still building his employment record. We were repeatedly told that lenders would not consider our application. From our very first conversation, John was different. Rather than focusing on the obstacles, he focused on finding solutions. He took the time to understand our situation, explain every stage of the process, and gave us honest, realistic advice from day one. What seemed impossible suddenly felt achievable. In less than four months, John successfully secured our mortgage offer. Throughout the entire journey, he was professional, knowledgeable, responsive, and incredibly reassuring. Every question was answered promptly, every concern was dealt with calmly, and we always felt that he genuinely cared about helping us achieve our goal. What impressed us most was that John didn't just act as a mortgage broker. He became a trusted adviser and mentor throughout the whole process. He guided us on property choices, helped us understand market values, advised on offer strategies, and ensured we didn't make costly mistakes as first-time buyers. His experience and insight were invaluable. Buying a home is often described as one of the most stressful experiences in life, but John made it the complete opposite. It was the most smooth, stress-free, and well-managed process we could have hoped for. We always felt supported, informed, and confident in the decisions we were making. Thanks to John's hard work, dedication, and expertise, my husband and I are now able to purchase our first home together. We genuinely believe this would not have happened without him. If you are a first-time buyer, have a complex case, are a foreign national, or have been told "no" elsewhere, speak to John before giving up. His knowledge, persistence, and commitment to his clients are second to none. Thank you, John. You have helped us achieve a dream we thought was out of reach, and we will always be grateful. 🏡⭐️⭐️⭐️⭐️⭐️ Valeria
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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
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.
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Address
Everest Mortgage Services
5, Green Mews,
Southwick,
Brighton, BN42 4DZ - Phone 01273 007740
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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 and 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 – a lump sum if you’re diagnosed with a serious illness listed in your policy
- Income protection – 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 a property that isn’t mortgageable yet, 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 loans.
Why 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.
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1
Tell us what you need
A free 15-minute call. Buying, moving or switching, and what you want to achieve.
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2
We search the whole market
John compares lenders to find a deal that suits you and can arrange your agreement in principle.
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3
We handle the rest
The application, plus chasing the lender, solicitor and estate agent through to completion.
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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
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.
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.
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.
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.