A mortgage adviser Brighton residents can count on.

At Private Wealth Mortgages, we provide a complete mortgage service, from helping you select the most appropriate home loan for your individual circumstances to guiding you through the application.

An experienced Brighton mortgage broker

We’ll introduce you to a qualified mortgage advisor Brighton residents count on to make their property purchase less stressful and more enjoyable. Our expert brokers understand that applying for a mortgage, whether it’s a first time buyer mortgage, an equity release mortgage or a buy to let, can be overwhelming. That’s why we make sure you fully understand all the terms and have all the information you need to make the right decision.

To do this we gather as much information as we can about your own individual circumstances. Our experienced brokers take the time to get to know you, your financial situation as well as your life goals or aspirations. That’s because the terms of your mortgage can have an impact on your financial health and security in the future. So if you’re looking to start a family, hoping to move to a bigger property over the next few years, or you’d like to reduce a mortgage in the quickest possible time, we will review your needs and provide the mortgages that are most suitable.

Taking the anxiety out of your mortgage applications

One of the promises we make at Private Wealth Mortgages is to take away the stress that comes with mountains of mortgage paperwork. This can be especially difficult for first time buyers, who may be unsure of the processes and practical elements that come with buying a property or taking out a mortgage.

We have a dedicated administration team member assigned to you, who can assist with any questions you have and make sure you start gathering the required information as soon as possible.

For advice on a mortgage enquiry in the Brighton area, call our experienced brokers at Private Wealth Mortgages on 01403 270006.

Why You Should Choose Us?

  • We provide the knowledge, experience and exceptional service you need to choose a mortgage that’s perfect for you.
  • Our mortgage advisors are all fully qualified and have more than 30 years experience combined.
  • We will take the load off you by taking care of as much administration as possible.
  • It’s less about a list of lenders and more about finding the right fit for your life.

Call our expert mortgage advisers today

01403 270006 Arrange a call back now

Comments from our Clients

Throughout the whole process your team have been nothing but outstanding. A pleasure to deal with in every regard.

–Chris and Alastair, Bracknell

Our People

Neil Powney

Neil Powney

Mortgage & Protection Adviser

Neil has over a decade of experience as an independent mortgage and protection product adviser, and deals with all aspects of the role. Whether you are a first time buyer or an old hand in the property market, he will work with you to ensure the perfect solution is found.

Mandy Smith

Mandy Smith

Mortgage & Protection Adviser

Mandy started her career working for Nationwide, and brings 25 years of experience to help her clients achieve their plans and goals. Mandy has accumulated an impressive portfolio of happy clients who always return for more help with their lending, as well as regularly recommending her services to their own networks.

Jay Blackman

Jay Blackman

Mortgage & Protection Adviser

Jay has worked in the property industry for 15 years in different roles including property rentals, management, consultancy and staff training. He became an independent mortgage advisor in 2008 and since then has built a varied client list including property developers and portfolio landlords.

Jenny Tunnicliffe

Jenny Tunnicliffe

Mortgage & Protection Adviser

Jenny joined the team in August 2016 after taking a career break to travel the world. She hit the ground running, working closely with Salli and her clients while also developing relationships with introducers to the company. Jenny deals with all aspects of mortgage and protection advice, and is already receiving recommendations from clients she has helped.

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Frequently Asked Questions

Q: How many years of experience does Private Wealth Mortgages have?

A:  Our qualified and knowledgeable mortgage brokers have a combined 30 years of experience helping people choose the most suitable mortgage for their personal circumstances.

Q: What makes Private Wealth Mortgages unique?

A: Quite simply, service. When our mortgage broker business was founded it was on the principle that mortgage applications should be made simple and stress-free for our clients. Each of our brokers shares the same values – to deliver outstanding levels of customer service and guidance when it comes to obtaining a new mortgage. Over the years we have advised countless people, all with different requirements. We pride ourselves on always striving to help people get the mortgage they need, no matter how complicated their individual case

Q: Do you simply provide me with a list of mortgage lenders?

No. Our service includes a detailed assessment and review of your current personal and financial circumstances. Then, if we believe you are eligible to take out a mortgage and will be accepted by a bank or lender, we use this information to present you with a selection of mortgages. As an example, you may be self-employed and have difficulty understanding what kind of information you need to provide to a lender. Perhaps you are a first time buyer on a low income. Or maybe you are a couple with joint incomes, but one of you is planning to give up work in the next couple of years. Whatever the scenario, we can help you find mortgage options that give you financial security and help you plan ahead.

Q: What kind of information do you provide me with?

Once we have established the kind of mortgage you need, we will then provide a list of options to you. This will include the bank or lender’s name, an interest rate, a fixed term or variable term, and a length of the mortgage deal. There will be other information provided in more detail such as any penalty for the early repayment of your mortgage or the option to make overpayments and this will be set out clearly in a Mortgage Illustration. But of course you’ll also have one of our experienced mortgage brokers on-hand to answer any questions you might have.

Q: What happens if I can’t get a mortgage?

Any application for a mortgage is based on different financial criteria. Mortgage lenders and banks want to assess whether or not you can afford the repayments, so there will be a review of your income and outgoings and a mortgage will be stress tested to ensure you can afford it now and if rates increase in the future. Lenders will also take into consideration the amount of cash you have to put down as a deposit and any debt you may owe to other financial institutions.

If you are not accepted for a mortgage, it is likely the lender does not consider you to be a viable candidate who can repay the loan amount. However, this may not be the case forever. There are ways that you can improve your eligibility for a mortgage, including increasing the amount you put down in deposit or reducing any debt you owe. If you’re based in the Brighton area, we recommend you speak to a qualified and experienced mortgage broker before you make any decisions about your property purchase.

Q: Do I need to do mountains of paperwork to get a mortgage?

A: It’s true that there is plenty of paperwork to do when you apply for a mortgage. Fortunately, when you choose Private Wealth Mortgages you can relax knowing we do the heavy lifting for you. In fact, we have a team of administrators on-hand who can either help guide you through the paperwork required or – when appropriate – complete it on your behalf. It’s part of our promise to make the process of getting a mortgage and purchasing a property as enjoyable and pain free as it can be.  

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Registered in England & Wales, no 5603163
Private Wealth Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. FCA Number: 445980

Private Wealth Mortgages Ltd, Hillreed House, 54 Queen St, Horsham, West Sussex, RH13 5AD

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