Business Details
Your Trusted Mortgage Advisers in St. Leonards-on-Sea
Prosper Home Loans has been providing independent mortgage advice for over two decades, helping thousands of clients navigate their mortgage and protection journeys. Our team of fully qualified advisors combines extensive industry experience with cutting-edge technology to deliver tailored solutions that meet individual client needs. We prioritise customer service, offering flexible availability seven days a week to accommodate busy lifestyles. Regulated by the Financial Conduct Authority, we maintain high standards of professionalism and transparency.Our whole-of-market approach ensures access to thousands of mortgage products, enabling us to find the best deals for clients across Sussex and throughout the UK. With offices in St. Leonards-on-Sea and Sedlescombe, we provide expert guidance on first-time buyer schemes, self-employed mortgages, remortgaging, lifetime mortgages, and buy-to-let investments. Our commitment to client satisfaction is demonstrated through our free initial consultations, competitive pricing, and comprehensive support throughout the mortgage process.
Services
First Time Buyers Mortgages
Self-Employed Mortgages
Remortgaging Services
Lifetime Mortgages
Buy to Let Mortgages
Highlights and features
- 20+ years of mortgage advisory experience
- Whole-of-market access to UK mortgage products
- FCA-regulated financial services
- Seven-day-a-week availability from 9am-9pm
- Expertise in specialist mortgages for self-employed clients
Associations and certifications
- Financial Conduct Authority
What people say
Expert mortgage guidance
Seven-day availability
Competitive mortgage deals
Specialist self-employed support
Regulated financial advice
Services
First Time Buyers Mortgages
We specialise in helping first-time buyers navigate the mortgage process with expert guidance on available schemes and competitive deals. Our advisors provide comprehensive support with deposit requirements, affordability assessments, and property type considerations. With access to thousands of mortgage products, we ensure first-time buyers secure the most suitable financing options for their circumstances.
Self-Employed Mortgages
Our specialists understand the unique challenges self-employed individuals face when securing mortgages. We offer tailored advice on income verification, tax-efficient strategies, and lender-specific requirements. With access to specialist lenders, we help sole traders, limited company directors, and contractors secure competitive mortgage rates while maintaining financial flexibility.
Lifetime Mortgages
We provide regulated lifetime mortgage solutions for clients aged 55+, offering tax-free cash while retaining home ownership. Our advisors explain interest-only structures, drawdown facilities, and inheritance implications. With FCA regulation ensuring quality advice, we help clients use equity release for home improvements, family support, or retirement funding.
Buy to Let Mortgages
Our buy-to-let specialists offer tailored mortgage solutions for property investors, including portfolio landlords and limited company structures. We provide guidance on yield calculations, tax implications, and regulatory requirements. With access to specialist lenders, we help investors secure competitive rates for single properties or large portfolios.
Remortgaging Services
We help homeowners reduce monthly payments, consolidate debt, or release equity through remortgaging. Our advisors compare thousands of products to find better rates, while managing the transition process. We offer guidance on early repayment charges, affordability assessments, and product transfers to ensure seamless transitions.
People
Paul McMath
Mortgage Adviser
Paul McMath is a qualified mortgage adviser with CeMAP and CeRER certifications. He specialises in helping clients find suitable mortgage solutions while maintaining a focus on customer service and accessibility.
John Moore
Mortgage Adviser
John Moore brings extensive experience as a CeMAP and CeRER-certified mortgage adviser. He focuses on providing tailored mortgage solutions while maintaining a strong commitment to client education and support.
Sam Nash
Mortgage Adviser
Sam Nash is a qualified mortgage adviser specialising in residential and buy-to-let mortgages. He combines technical expertise with a client-focused approach to deliver effective financial solutions.
Daniel Bendle
Mortgage Adviser
Daniel Bendle offers expert mortgage advice with a focus on first-time buyers and remortgaging solutions. His approach combines technical knowledge with practical guidance for clients at all stages.
Bhavesh Lalji
Mortgage Adviser
Bhavesh Lalji provides comprehensive mortgage advice with a focus on client satisfaction. He specialises in helping self-employed individuals and property investors navigate the mortgage process.
Questions
What mortgage options are available for first-time buyers?
We offer comprehensive guidance on first-time buyer schemes including Help to Buy, Shared Ownership, and 5% deposit mortgages. Our advisors help with affordability assessments and finding the best deals.
How can self-employed individuals prove income for mortgages?
Self-employed clients can use SA302 forms, company accounts, and CIS vouchers to demonstrate income. We specialise in helping contractors and business owners secure mortgages with appropriate documentation.
What are the benefits of lifetime mortgages?
Lifetime mortgages allow homeowners aged 55+ to release equity while retaining property ownership. Funds can be used for home improvements, family support, or retirement income with flexible repayment options.
Can I remortgage without early repayment charges?
We help clients assess remortgaging opportunities by comparing current deals with new market offerings. Our advisors evaluate exit fees and potential savings to determine the most cost-effective options.
What support exists for buy-to-let investors?
We provide specialist advice for buy-to-let investors including portfolio management, limited company mortgages, and HMO financing. Our services cover affordability assessments and tax-efficient structuring.
How does the mortgage application process work?
The process begins with an agreement in principle, followed by affordability assessments and product selection. We guide clients through documentation requirements and coordinate with solicitors for a smooth completion.
