🏠 First-Time Buyer Mortgages in Brighton

From seafront apartments to Victorian terraces in St Leonards, Brighton offers great options for first-time buyers. We support you from budgeting and AIPs to full application, and when regulated advice is needed, we’ll connect you with an FCA-regulated adviser to recommend a suitable product.

🛠 Practical Help for First-Time Buyers

• 💰 Set a clear budget based on lender affordability
• 📖 Explain mortgage types in plain English
• 🗂 Organise documents early to keep things moving
• ✅ Secure an AIP so you can act fast on the right property

📈 Routes onto the Ladder

• 📌 Fixed-rate stability for 2–5+ years
• 🔄 Tracker/variable flexibility with rate changes
• 💳 Low-deposit products (around 95% LTV) where appropriate
• 👨‍👩‍👧 Gifted deposits and family-assisted routes
• 🏡 Shared Ownership / First Homes where available

💷 How Much Could You Borrow?

As a broad guide, 4–4.5× income is common. Lenders flex for deposit size, credit conduct and monthly commitments; stronger deposits often mean sharper pricing.

📍 Local Notes

Brighton and St Leonards feature varied leaseholds and older stock; lenders and valuers will look closely at lease length, service charges and EPCs. A well-packaged file helps the case move smoothly.

❓ First-Time Buyer FAQs

Is 5% deposit viable?

✔ Potentially — but 10% often improves rate choice and affordability.

Can I buy if I’m self-employed?

✔ Yes. Evidence via accounts/SA302s or contracts can support the case.

Do I need an AIP before viewing?

✔ It helps you stand out and speeds up offers once you’ve found a place.

Will ground rent/service charge matter?

✔ Yes — they’re counted as commitments and can reduce borrowing.

📌 Next Steps

Tell us about your Brighton plans and we’ll map next steps and connect you with an FCA-regulated adviser for tailored recommendations.