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Our Mortgage Broker Guide to getting a mortgage in East Sussex

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker East Sussex Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Having difficulty making repayments and on time? Speak to the lenders concerned

You may be in a situation where you are finding it difficult to make the repayments specified on the debt you've taken on. If so, you should get in touch with the companies you owe the money to as they might accept lesser payments from you or give you a grace period (an extension on the deadline by which you must have made a repayment).

Remember that defaulting on payments or making payments late lowers your credit score. If you can come to an arrangement with your creditors, your credit score is much less likely to be harmed.

Interest-only Mortgage

The basic premise of an interest-only mortgage is that your monthly payments purely cover the cost of servicing the interest on the loan and are not put towards paying down the capital itself.

To pay down the capital, the mortgagor is obliged to save money in another investment vehicle which hopefully generates sufficient cash by the end of the mortgage term to pay off the capital – this is not guaranteed.

Only commercial property buyers such as buy to let investors can access interest-only mortgages at the present time; the higher risk profile of these mortgages is thought to be too dangerous for residential buyers to be involved with.


East Sussex is a county is South East England, bordered by Surrey to the north west, West Sussex to the west and Kent to the north and east. It is bordered by the south coast to the south. Districts within it include Hastings, Rother, Wealden, Eastbourne, Lewes and the City of Brighton and Hove. Among the many attractions are; Battle Abbey, which marks the site of where William the Conqueror defeated King Harold in 1066; Bodiam Castle, which has a moat and battlements and hosts archery events; and Camber Sands, with its beaches, chalets, gardens and lighthouses.

BN21 3NS

Property Price Stats for East Sussex


Average property price in East Sussex £305,407
% Change compared to last year 6%
Population of East Sussex 800,200 (2014)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker East Sussex - Recently Completed

  • Eagle Cottages, Landgate, Rye, TN31 7LY
  • 38 Udimore Road, Rye, East Sussex, TN31 7DS
  • 22 High Street, Robertsbridge, East Sussex, TN32 5AQ
  • 18 Jevington Close, Bexhill on Sea, East Sussex, TN39 3 BB
  • 2 White Horse Cottages, Hurst Green, East Sussex, TN19 7QA

Local High Street Banks in East Sussex

Mortgage Broker in and around East Sussex

Our East Sussex mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Eastbourne, Hastings, Newhaven, Lewes, Hailsham, Newborough and Rye.

Which banks are local to you?


  • Natwest Bank Plc - 16 High St, Battle TN33 0AJ
  • Lloyds Bank Plc - 180 High St, Uckfield TN22 1AX
  • Barclays Bank Plc - 46 High St, Heathfield TN21 8HT

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Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

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Mortgage Brokers East Sussex offering free first consultation (terms apply).

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With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

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You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

East Sussex Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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