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Home mover mortgage broker Shoreham

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Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
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Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
Posted on Google Google
Kyle McClorey profile picture
Kyle McClorey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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!
Posted on Google Google
james foley profile picture
james foley
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
Victoria profile picture
Victoria
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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 :)
Posted on Google Google
abanoub alfonse profile picture
abanoub alfonse
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
valeria rafla profile picture
valeria rafla
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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
John Everest, mortgage adviser
John Everest
Qualified Mortgage Adviser & Founder

FCA
regulated

Fully authorised & regulated
by the FCA

100%
independent

Whole-of-market access.
No lender ties

1000+
mortgages arranged

for happy clients

Moving home in Shoreham-by-Sea involves more than finding the right property. You also need a mortgage that fits your next move. Whether you’re upsizing, downsizing or relocating within the BN43 postcode, Everest Mortgage Services, based just along the coast in nearby Southwick, provides independent mortgage advice tailored to local home movers.

Before you begin making offers, we assess your current mortgage, available equity and borrowing position to establish a realistic purchase budget. From there, we recommend mortgage options that suit both your move and your long-term financial plans.

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Is a home mover mortgage right for you?

People move home for many reasons, but arranging the mortgage is often the most complicated part. Some homeowners in Shoreham-by-Sea (BN43) need more space as their family grows, while others want to downsize after children leave home. Many also relocate to be closer to Brighton, Worthing or London transport links without giving up the benefits of living by the coast. 

A common example is a homeowner selling a two-bedroom flat near Brighton Road to buy a larger house in areas such as Buckingham Park or the eastern side of Shoreham. Others move from older flats with service charges to freehold homes with gardens, driveways and extra bedrooms.

These moves often require reviewing affordability, calculating available equity and understanding the full costs involved before committing to a purchase. Using our borrowing calculator before viewing properties can also help you set a realistic budget. 

An independent home mover mortgage broker helps establish a realistic purchase budget, explains lender requirements and supports your application alongside the property purchase. This can reduce avoidable delays and help you make informed decisions throughout the moving process.

We search 1000's of mortgage deals across a large number of lenders, including...

How your home move mortgage works

We begin by understanding your current mortgage, the property you’re selling and the home you plan to buy. We’ll also review your budget, deposit or available equity, and any timeframes that could affect your move.

Our advisers review your existing mortgage, identify any early repayment charges, calculate your available equity and assess whether keeping your current mortgage or arranging a new one provides better overall value. Where additional borrowing is required, we’ll explain how this can affect your monthly repayments and overall costs.

We compare products from across the market and explain the costs, monthly payments and long-term implications of each option. You can also use our compare two mortgages calculator to understand how different mortgage options may affect your repayments.

Once you’ve chosen the most suitable mortgage, we prepare and submit your application. We also help gather the supporting documents your lender requires to minimise unnecessary delays.

Your lender reviews the application, carries out a property valuation and completes its underwriting checks. We’ll keep you informed throughout the process and deal with lender queries on your behalf where possible.

After your mortgage offer is issued and the legal work is complete, your solicitor arranges completion. Your mortgage funds are released, ownership transfers, and you can move into your new home with confidence.

Read our reviews

Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
Posted on Google Google
Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
Posted on Google Google
Kyle McClorey profile picture
Kyle McClorey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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!
Posted on Google Google
james foley profile picture
james foley
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
Victoria profile picture
Victoria
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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 :)
Posted on Google Google
abanoub alfonse profile picture
abanoub alfonse
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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.
Posted on Google Google
valeria rafla profile picture
valeria rafla
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
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

Shoreham-by-Sea property market

Shoreham-by-Sea remains a popular choice for existing homeowners looking to move rather than first-time buyers entering the market. Its coastal setting, direct rail links to Brighton, Gatwick Airport and London, and mix of family housing make BN43 attractive for buyers who need more space while staying well connected.

The average property price in Shoreham-by-Sea was £454,077 over the last year, with semi-detached homes averaging £493,824, detached properties £651,059, and flats £252,747. Semi-detached houses were the most commonly sold property type, reflecting strong demand from homeowners moving into larger family homes. (Rightmove, July 2026).

Shoreham-by-Sea offers a varied housing stock, from period cottages close to the town centre and Victorian converted flats to modern apartments around Shoreham Harbour and larger family homes in areas such as Buckingham Park.

Some property types require additional mortgage considerations. For example, lenders may assess the remaining lease length and ongoing service charges on converted flats, while homes located above commercial premises can have more limited lender availability. New-build apartments may also be subject to different valuation or lending criteria depending on the developer and purchase incentives.

Understanding these factors early can help prevent unexpected issues once your mortgage application is underway.

The local market has remained relatively stable, with sold prices increasing by 2% year-on-year, although they are still 5% below the market peak recorded in 2022. For many home movers, this creates an opportunity to upgrade while negotiating in a less overheated market than a few years ago. (Rightmove, July 2026).

A typical home mover in Shoreham-by-Sea may be selling a flat or smaller terraced property to purchase a semi-detached or detached home with extra bedrooms, outdoor space or off-road parking. Others relocate from nearby Brighton to gain more living space while remaining within commuting distance.

These moves often involve using equity from an existing property to fund the next purchase, making it important to understand affordability before making an offer.

Understanding your available equity and borrowing capacity before you begin house hunting can strengthen your position with estate agents and help reduce delays later in the buying process.

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Porting your mortgage explained

Mortgage porting allows you to transfer your existing mortgage product to your new home, subject to your lender’s approval. If you’re still within a fixed-rate period, this can help you avoid paying an Early Repayment Charge (ERC) that would normally apply if you repaid the mortgage before the end of the deal. It’s a popular option for home movers, but it isn’t automatic.

Your lender will still reassess your income, affordability, credit profile, and the property you’re buying before approving the transfer.

Porting can work well if you’re on a competitive fixed-rate mortgage, would otherwise pay an early repayment charge, and only need a modest amount of extra borrowing. It can also work well if leaving your mortgage early would trigger a substantial ERC, or if you only need to borrow a relatively small additional amount to buy your next home.

A new mortgage may be the better choice if today’s rates are more competitive, your lender cannot offer enough additional borrowing, or another lender is prepared to lend more based on your current income.

At Everest Mortgage Services, we don’t assume porting is the right answer. We calculate the overall cost of each option, confirm any early repayment charges, assess available equity, and explain which solution offers better value before you commit.

We then compare those costs against mortgage deals available across the wider market, giving you a clear recommendation based on the numbers rather than guesswork.

● Local case study

home-mover-mortgage-broker-shoreham

Helping a Shoreham-by-Sea homeowner plan their next move

Illustrative example: A homeowner in Shoreham-by-Sea (BN43) approached Everest Mortgage Services after accepting an offer of £355,000 on their flat near Brighton Road. They had an outstanding mortgage balance of £188,000, leaving approximately £167,000 in available equity before moving costs. Having found a family home priced at £515,000 near Buckingham Park, they wanted to understand how much they could realistically borrow and whether the move would remain affordable.

After reviewing their income, existing mortgage and available equity, we established a realistic purchase budget and compared suitable mortgage options across the market. The recommended solution allowed them to use their available equity as the deposit while arranging approximately £348,000 of total borrowing for the new purchase. We also identified an illustrative early repayment charge of around £2,100, enabling them to include this within their moving budget before committing to the purchase.

With a clear understanding of their borrowing position and overall moving costs, they were able to proceed with confidence, secure a mortgage that suited their circumstances and complete the purchase within their planned timescale.

This is an illustrative example based on common home mover scenarios. Figures are provided for demonstration purposes only and individual circumstances will vary.

Book your free home hover mortgage consultation

Whether you’re weighing up porting your current mortgage, need to borrow more, or simply want to understand what’s possible before you start house hunting, we’re here to help.

Book a free, no-obligation consultation with Everest Mortgage Services. We’ll review your current mortgage, discuss your plans, answer your questions, and explain your options in plain English, so you understand exactly how much you can borrow, what your move is likely to cost, and the most practical way to finance your next home.

Get in touch today to arrange your free mortgage review and let’s discuss your next move.

John Everest, mortgage adviser
John Everest
Qualified Mortgage Adviser & Founder

Book a free consultation with a mortgage expert

John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.

14+
Years experience
1,000+
Mortgages arranged
FAQs

Frequently asked questions

Yes. Having time remaining on your mortgage doesn’t stop you from moving. Depending on your lender and circumstances, you may be able to transfer your existing mortgage to the new property or replace it with a different mortgage if that offers better value.

The amount of equity required depends on the value of your current property, the price of your next home and the lender’s affordability assessment. We’ll help you understand how your available equity affects your borrowing options before you start making offers.

Yes. This is how many home movers fund their next purchase. The equity released from your sale is usually used as the deposit for your new home, with the remaining amount covered by your new mortgage.

This is a common situation. If you need to borrow more, your lender will assess your income, financial commitments and affordability before approving the additional borrowing. We’ll compare suitable lenders to find the most appropriate solution.

Possibly. Some lenders are happy to consider applicants who have recently changed employment or have a confirmed job offer, while others have stricter requirements. We’ll identify lenders whose criteria best match your circumstances.

Yes. Shoreham-by-Sea has a mix of period cottages, Victorian homes and modern developments. Some older properties may require additional checks, but many lenders are happy to lend provided the property meets their valuation and lending requirements.

Yes. Understanding how much you may be able to borrow before you start viewing properties can help you set a realistic budget and move quickly when you find the right home.

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Everest Mortgage Services
Everest Mortgage Services
Google star 1Google star 2Google star 3Google star 4Google star 5
5.090 Google reviews
Posted on Google Google
Chloe Stringer profile picture
Chloe Stringer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ John was fantastic throughout the whole mortgage process. Professional, knowledgeable, and always happy to help. He made everything feel simple and stress-free. Would highly recommend John to anyone looking for a great mortgage broker!
Posted on Google Google
Jordan Nicholls profile picture
Jordan Nicholls
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Absolutely brilliant service from John from start to finish. As first-time buyers, the mortgage process could have been really stressful and confusing, but John made everything so straightforward and easy to understand. He was always available to answer any questions we had, explained everything clearly, and kept us updated throughout the whole process. John worked hard to find us the right mortgage and has been incredibly helpful, professional and supportive every step of the way. We genuinely couldn't have asked for a better mortgage advisor and would 100% recommend John to anyone looking for a mortgage. Thank you for all your help!
Posted on Google Google
Kath Tonkyn profile picture
Kath Tonkyn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have known John since we bought our first rental in 2009 and he has guided and helped us all the way. He laid out a plan for us that this month will be fulfilled exactly as he said it would. He has never let us down and he is always there when we have needed him. Nothing is too much trouble. Great guy and a true proffessional. Thanks John for everything. You are truly the best.
Posted on Google Google
Louise Holmes profile picture
Louise Holmes
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We have used Johns services a few times now, when remortgaging. John is extremely knowledgeable and always strives to find the best deal that works for you. His communication is excellent, he’s very friendly and explains thoroughly the best way for you to go forwards and we would highly recommend his services.
Posted on Google Google
Christina profile picture
Christina
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I honestly don’t know how I would have got through buying my first house without John. From the very beginning, he helped us work out what we could afford and get our Agreement in Principle sorted, but his help went way beyond just arranging the mortgage. While we were viewing houses, he was always happy to give his thoughts on whether an asking price seemed sensible and what we might want to offer. His experience and knowledge were incredibly valuable when we were trying to navigate something we knew very little about. Once we found our house, John made the whole process so much easier. He was incredibly quick to respond, explained everything clearly and was always happy to answer my many questions! What really impressed me was how much he handled himself. He dealt directly with the estate agent, solicitors and lender, meaning we weren’t constantly stuck in the middle passing messages around. If an issue came up, he’d often just sort it in the background and let us know there was an issue but it's resolved, rather than adding to our stress. John genuinely cares about his clients and it really shows. He’s friendly, incredibly knowledgeable and always made us feel like we were in safe hands. I couldn’t recommend him highly enough. Five stars doesn’t really do justice to how much he helped us!
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Kyle McClorey profile picture
Kyle McClorey
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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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james foley profile picture
james foley
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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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Victoria profile picture
Victoria
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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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abanoub alfonse profile picture
abanoub alfonse
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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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valeria rafla profile picture
valeria rafla
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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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