Buying your first home is one of life’s biggest steps — and doing it in Brighton & Hove comes with its own unique challenges. From seafront flats in Kemp Town to terraced homes in Hove and new builds around the Marina, Brighton’s property market is diverse, competitive and fast-moving. This guide is designed to help first-time buyers in Brighton make confident choices, avoid common pitfalls, and secure a mortgage that suits their needs.
Why Brighton & Hove Attract First-Time Buyers
Brighton is more than just a seaside city — it’s a hub for culture, business and education. Strong rail links to London, a thriving university population, and steady demand for rental properties all support long-term value growth. For first-time buyers, Brighton offers both lifestyle appeal and a smart long-term investment.
Step 1 – Work Out Your Budget
Lenders typically offer between 4 and 4.5 times your annual income, subject to affordability checks. For example:
- A salary of £35,000 could support borrowing of ~£150,000–£160,000
- A couple earning £70,000 could borrow £280,000–£315,000
Add a deposit and you’ll see your true buying power. For instance, with a 10% deposit of £30,000, a couple could target homes around £310,000–£345,000. For more tailored figures, explore our First-Time Buyer Mortgages page.
Step 2 – Save for Deposit and Extras
While 5% deposits are sometimes possible, a 10% deposit improves rates and choice. Don’t forget the extras:
- Stamp Duty: First-time buyers pay nothing on the first £425,000
- Solicitors: £1,000–£1,800
- Surveys: £300–£700
- Moving costs: £500–£1,500+
Tip: Consider a Lifetime ISA — the government adds 25% on up to £4,000 saved per year.
Step 3 – Get Mortgage Ready
To keep your application smooth, prepare:
- 3 months’ payslips and bank statements
- Proof of ID and address
- Self-employed buyers: SA302s and 2+ years of accounts
Clear, consistent paperwork speeds up lender decisions and makes you a stronger buyer in Brighton’s competitive market.
Step 4 – Choose the Right Mortgage Product
- Fixed-rate: Stable payments, great for budgeting
- Tracker: Linked to the Bank of England base rate; can move up or down
- 95% LTV: Smaller deposit, but higher rates
- Family-assisted: Parents’ savings or equity used to help
Step 5 – Explore Schemes for First-Time Buyers
Available support includes:
- First Homes: Discounted new builds for eligible local buyers
- Shared ownership: Buy part, rent the rest
- Help-to-Buy ISA/LISA: Government bonus top-ups
Our First-Time Buyer Mortgages page explains how these schemes can help stretch your budget.
Step 6 – Local Market Watchpoints
Brighton’s property stock is varied and brings specific lender considerations:
- Seafront flats in Kemp Town and Marina: Service charges, ground rents and cladding reports may affect mortgageability
- Victorian terraces in Hanover: Valuers often flag damp, roof and insulation issues
- Hove family homes: Highly sought after — expect competition and premium pricing
Step 7 – EPC and Energy Efficiency
Upcoming government rules make energy performance certificates (EPCs) more important. Period homes may need upgrades, while new builds often exceed minimum standards. Consider long-term costs alongside purchase price.
Step 8 – Secure an Agreement in Principle (AIP)
An AIP shows estate agents you’re a proceedable buyer and sets a firm budget ceiling. In Brighton’s fast-paced market, having an AIP can make or break your offer.
Step 9 – Professional Support Matters
Key professionals include:
- Solicitors: Handle contracts and searches
- Surveyors: Check condition and highlight risks
- Mortgage advisers: Compare lenders and find the right product
We can connect you with FCA-regulated advisers who understand both national lenders and Brighton’s unique market quirks.
Step 10 – Avoid These Mistakes
- Overstretching your budget without a contingency
- Skipping surveys on period homes
- Ignoring lease details on flats (ground rent, service charges, length)
- Assuming the first lender offer is the best one
Brighton First-Time Buyer FAQs
Do I need a 10% deposit?
No — 5% may work, but 10%+ gives better rates and more lenders.
What if I’m self-employed?
Yes, you can buy — typically with 2+ years of accounts. Some lenders accept 1 year with strong performance.
How long does it take to buy?
Usually 8–12 weeks from offer to completion, depending on surveys and chains.
Do I pay Stamp Duty?
First-time buyers pay nothing up to £425,000, with tapered relief up to £625,000.
What areas are best for first-time buyers?
Hanover for character terraces, Hove for family homes, Marina for modern flats with parking — but each has pros and cons.
Next Steps
Buying your first home in Brighton doesn’t have to feel overwhelming. With clear budgeting, the right paperwork, and professional support, you can take the step with confidence. Start by exploring our First-Time Buyer Mortgages page, or request a callback and we’ll connect you with a regulated adviser who understands the Brighton & Hove market.