Business Details
Expert Mortgage Advisers in Hove | Sussex Mortgage Services
Based in Brighton & Hove, we prioritise personal connections to understand your financial needs. Whether you're local or nationwide, we provide tailored advice through in-person or virtual consultations. With expert guidance and a dedicated team, we make achieving your financial goals smooth and stress-free. Our approach focuses on building long-term relationships, ensuring clarity and transparency in all our services. We specialise in independent whole-of-market mortgage advice, offering exclusive rates and products not available elsewhere.Our team handles the complexities of mortgages, insurance, and protection, allowing you to focus on your aspirations. With decades of combined experience, we deliver solutions aligned with your unique circumstances, ensuring confidence in every decision. Our commitment extends beyond initial transactions, with ongoing support to adapt to your evolving needs.
Services
Residential Mortgages
Buy to Let Mortgages
Equity Release
Commercial Mortgages
Secured Loans
Bridging Loans
Life Insurance
Critical Illness Cover
Income Protection
Landlord Insurance
Highlights and features
- We offer impartial, whole-of-market mortgage advice with exclusive rates.
- Our team provides transparent fees and no-obligation initial consultations.
- Decades of combined experience in mortgage advisory and financial planning.
- Dedicated after-sales support from application to property completion.
- Personalised service with face-to-face, virtual, or on-site meetings available.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent advice
Professional and friendly
Stress-free experience
Fantastic rates
Dedicated support
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our independent advisers access the entire market to secure competitive rates. With transparent fees and dedicated support from application to completion, we ensure a stress-free process. Our expertise includes new purchases, equity release, and portfolio management, catering to individual financial goals.
Buy to Let Mortgages
Specialist buy-to-let mortgages for landlords seeking portfolio growth. We offer advice on individual and limited company structures, navigating affordability rules and tax implications. Our services include portfolio stress-testing, interest cover ratio analysis, and access to exclusive lender deals, ensuring optimal returns on property investments.
Equity Release
Equity release solutions for homeowners over 55 to unlock property value without relocation. We advise on lifetime mortgages and home reversion plans, explaining implications for inheritance and eligibility criteria. Our guidance ensures informed decisions aligned with long-term financial security and family considerations.
Commercial Mortgages
Commercial mortgage advisory for business property purchases or expansions. We connect clients with lenders offering flexible terms for shops, offices, and warehouses. Our support includes assessing loan structures, interest rates, and repayment options, ensuring alignment with business growth strategies and cash flow requirements.
Life Insurance
Comprehensive life insurance policies to safeguard families against financial hardship. We offer decreasing term assurance for mortgage cover, level term policies for lump-sum needs, and family income benefit plans. Our advice ensures protection matches your mortgage type and personal circumstances, providing peace of mind for dependants.
People
Paul Little
Adviser & Business Development
With over 35 years in financial services, Paul co-founded Sussex Mortgage Services in 2002. He specialises in mortgage and insurance advisory, leveraging experience from Barclays Bank and Lloyds TSB. Paul prioritises client relationships and stays updated on market trends to deliver tailored solutions.
Paula Little
Office Manager & Client Services
Paula co-founded Sussex Mortgage Services, managing daily operations and client care. With 27 years at Barclays Bank and property management experience, she ensures seamless administrative support. Paula focuses on compliance and client satisfaction, maintaining transparent communication throughout the process.
Questions
What mortgage options do you offer?
We provide residential, buy-to-let, commercial, secured loans, and equity release. Our independent advice covers the entire market to find competitive rates tailored to your needs.
Are your fees transparent?
Yes. We charge a fixed fee for mortgage advice, with half payable upfront and the rest on application. Fees vary by mortgage type, from £695 for residential to £1495 for commercial.
Do you offer nationwide services?
While based in Hove, we advise clients nationwide through virtual meetings, phone consultations, or on-site visits, ensuring accessibility regardless of location.
How do you handle protection products?
We offer life insurance, critical illness cover, and income protection to safeguard your finances. Our advice ensures policies align with mortgage requirements and personal circumstances.
What accreditations do you hold?
We are authorised and regulated by the Financial Conduct Authority, ensuring compliance with industry standards and client-focused practices.
