Independent mortgage broker Brighton
Find the right mortgage for you
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
We search 1000's of mortgage deals across the whole market, including...
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.
Book a free consultation with a mortgage expert
John Everest spent 7 years in banking before becoming a mortgage adviser in 2012. He’s CeMAP-qualified, whole-of-market, and has arranged over 1,000 mortgages. He’s based in Southwick, a few miles west of central Brighton, and meets clients across Brighton & Hove in person or by video.
You deal with John from first call to completion. No call centre, no hand-offs.
- 15-minute call, no commitment
- Whole-of-market, FCA regulated
- Clarity and confidence in your next move
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.
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.
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 best 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.
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
We search 1000's of mortgage deals across the whole market, including...
Mortgage broker services in Brighton
At Everest Mortgages, we know how daunting it can be to buy a property in Brighton, which is why we offer a wide range of expert services. Whether you’re buying or investing, our expert mortgage brokers streamline the financial side of things.
We help you to remortgage to a better rate, raise equity for home improvements or consolidate debt.
We help first time buyers secure their first home with smaller deposits.
We’ll simplify buy-to-let mortgages for residential lets, HMOs and holiday homes.
We understand self-employed mortgages, tailored for sole traders and freelancers. Some specialist products can come with a higher interest rate than standard mortgages.
We support buyers whose income comes via contracts, limited companies or dividends.
We’ll help you to access specialist lending if you have bad credit.
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.
Testimonials
Friendly and excellent service. There best interest is in their client. Highly recommend, made our first time buying really smooth, clear, helped us understand every step of the process and overall fantastic. As well as competitive rate! Thank you John!
I had been thinking of getting Life cover for some time but didn’t really know where to start. It wasn’t until I mentioned it to John that he said he could provide me with the cover I was looking for that protects not only myself but also my family. The whole process was so easy, pain free and would recommend it to anyone.
John has been arranging my mortgages for the past 4 years, I would (& do) thoroughly recommend him to anyone!
How we work with you
- Free 15-minute call to understand what you need and whether we can help
- Meet in person or by video – at our Southwick office, at your home anywhere in Brighton & Hove, or online.
- We handle the application and chase the lender, solicitor and estate agent until completion
- We stay in touch and review your mortgage before your deal ends
Latest articles
Frequently asked questions
What is a mortgage?
Essentially, a mortgage is a loan that is offered by a lender and is used to help you purchase a home. There are different types of mortgages available, but an interest rate will apply to the loan, with interest paid while the loan is taken out over an agreed period of time.
What types of mortgages are available?
There are two types of mortgages available and these are known as repayment and interest-only mortgages. The product that is right for you will be determined by your needs and your circumstances.
How much can you borrow?
Once we have gone through your finances, we will then be able to provide you with an amount that you are likely to be able to borrow. Lenders will then carry out an affordability calculation, and what you can borrow will depend on several factors, including income, outgoings, and property value.
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.
How do I find the right mortgage deal?
There are many different mortgage deals out there as it is not just high street banks that offer them. Therefore, our team will go through the whole market to find the right deal.
Do you offer independent mortgage advice?
Yes, all of our advisors are qualified and trained to offer 100% independent advice. We only work to your circumstances which means you’ll only receive advice that fits your needs.
Are your mortgage advisers qualified?
Absolutely. All of our advisers are CeMAP qualified and FCA regulated which means that you can put your trust in us.
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.
Who are Everest Mortgages and how can they help me?
Looking for a reliable mortgage broker in Brighton? At Everest Mortgages, we provide expert advice and clear support to help you secure the right mortgage for your individual needs. Whether you are buying your first home, remortgaging, moving house, or planning for later life, our friendly team of independent mortgage advisers in Brighton is here to help.
What makes the mortgage process easier with Everest Mortgages?
We know the mortgage process can feel confusing or time-consuming. That is why we take the pressure off by handling everything from initial assessment through to lender approval and completion. With access to the whole of the UK mortgage market, we help Brighton residents secure competitive deals that align with their goals.
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.
How does Everest Mortgages support clients throughout the process?
Our mortgage advisers offer clear guidance throughout, with no jargon or pressure. We explain every option, check your affordability, and handle the paperwork on your behalf. From first-time buyers to seasoned homeowners, we provide a fully managed, stress-free experience from start to finish.
How do you help first-time buyers and remortgaging clients?
If you are stepping onto the property ladder, we will guide you through your first mortgage from start to finish. We will check your eligibility, explain deposit requirements, and help you understand the full cost of homeownership.
Looking to remortgage your existing property? We can help you switch to a better rate, release equity, or consolidate your finances. Many homeowners review their mortgage when their fixed rate comes to an end, often after 2-5 years. Our advisers will review your current deal and recommend suitable options that match your future plans. Switching from a standard variable rate can reduce monthly payments. For example, remortgaging a £300,000 mortgage could save around £250 a month.
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.