John Everest | Everest Mortgages

Are Independent Mortgage Advisors Better in Hove? (What ‘Independent’ Really Means)

NewsMay 21, 202690Views 0Likes 0Comments

Quick Answer: Are Independent Mortgage Advisors Better in Hove? Independent mortgage advisors in Hove can typically offer access to a broader range of lenders than most banks (though this varies by firm), which is useful in a high-price market like BN3 where property values are often £300k–£800k+. They help match borrowers to suitable lenders for…

Fixed vs Variable Mortgages in Brighton: Which Suits You Best?

NewsMay 18, 202688Views 0Likes 0Comments

Quick Answer: Fixed vs Variable Mortgages in Brighton In Brighton, a fixed-rate mortgage gives stable monthly payments for a set period, while a variable mortgage can go up or down with market rates. Fixed suits buyers who want certainty, especially with higher property prices in BN1 and BN3. Variable may suit those comfortable with risk…

Mortgage Rates in Shoreham-by-Sea: Are Mortgage Rates Going Down?

NewsMay 14, 202696Views 0Likes 0Comments

Quick Answer: Mortgage Rates in Shoreham-by-Sea Mortgage rates in Shoreham-by-Sea in 2026 are expected to remain relatively stable with only gradual changes, rather than sharp drops. While small reductions may happen if inflation eases, affordability still depends on lender criteria, deposit size, and personal finances. Local property demand remains steady, but buyers and homeowners should…

Buy-to-Let Mortgages in Worthing: Criteria, Deposits & Common Pitfalls

NewsMay 11, 202687Views 0Likes 0Comments

Quick Answer: Buy-to-Let Mortgages in Worthing If you're considering buy-to-let mortgages in Worthing, most lenders require a 20–25% deposit, rental income that covers 125–145% of mortgage payments, and a solid credit profile. Property prices average around £308,000, while rents average £1,306/month, which can influence rental yield and borrowing limits. Always review lender criteria, taxes, and…

Remortgaging in Hove: When to Switch & How the Process Works

NewsMay 7, 2026107Views 0Likes 0Comments

Quick Answer: Remortgaging in Hove Remortgaging in Hove means switching your current mortgage to a better deal, usually to save money or release equity. The best time is 4–6 months before your fixed rate ends. Your options depend on factors like LTV, income, and property type (common in BN3). Deals and rates vary by lender,…

Do Mortgage Brokers Get Better Rates in Brighton?

NewsMay 4, 202699Views 0Likes 0Comments

Quick Answer: Do Mortgage Brokers Get Better Rates in Brighton? Mortgage brokers in Brighton often help buyers access better rates, exclusive deals, and specialist lenders not available directly through banks or online. They’re especially useful for first-time buyers, self-employed applicants, or investors with buy-to-let properties. For straightforward cases, direct or online lenders may suffice, but…

Mortgage Porting in Brighton & Hove

NewsApril 30, 2026110Views 0Likes 0Comments

Quick Answer: Mortgage Porting in Brighton & Hove Mortgage porting in Brighton & Hove lets you transfer your existing mortgage deal to a new property instead of taking a new one. It can help you keep a lower interest rate and avoid early repayment charges, but approval isn’t guaranteed and still requires affordability and credit…

Do You Need Life Insurance for A Mortgage in Worthing?

NewsApril 27, 2026116Views 0Likes 0Comments

Quick Answer: Life Insurance for a Mortgage in Worthing? Life insurance is not legally required to get a mortgage in Worthing or anywhere in the UK. Lenders usually only require buildings insurance. However, many advisers recommend life cover because it could repay the remaining mortgage if you die, helping your family stay in the home.…

Can You Add Stamp Duty to Mortgage in Shoreham-by-Sea?

NewsApril 23, 2026148Views 0Likes 0Comments

Quick Answer: Stamp Duty and Mortgages in Shoreham-by-Sea If you’re buying in Shoreham-by-Sea, you can sometimes add stamp duty to your mortgage, but it depends on the lender and your affordability. It’s not guaranteed and may increase your loan-to-value (LTV), monthly payments, and overall interest costs. Many buyers choose to pay stamp duty upfront if…

Loan-to-value (LTV) in Brighton & Hove

NewsApril 20, 2026133Views 0Likes 0Comments

Quick answer: Loan-to-Value (LTV) in Brighton & Hove Loan-to-value (LTV) in Brighton & Hove is the percentage of a property’s value that you borrow as a mortgage. For example, borrowing £360,000 on a £450,000 home equals 80% LTV. Lower LTVs usually qualify for better mortgage rates, while higher LTVs may mean fewer deals and stricter…

How Long Does a Mortgage Application Take in Worthing?

NewsApril 16, 2026142Views 0Likes 0Comments

Quick Answer: Time Mortgage Application Take in Worthing A typical mortgage application in Worthing takes around 12–16 weeks from submission to completion, depending on factors like your finances, property type, lender, and local conveyancing times. Self-employed applicants, leasehold properties, or complex chains may take longer. Getting organized early, using a local broker, and preparing documents…

Lifetime Mortgages in Brighton & Hove

NewsApril 13, 2026122Views 0Likes 0Comments

Quick Answer: Lifetime Mortgages in Brighton & Hove A lifetime mortgage in Brighton & Hove lets homeowners aged 55+ unlock tax-free cash from their property without moving out. You keep full ownership, and the loan is repaid later from your home’s sale. It’s a popular option in this high-value area for boosting retirement income but…