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Mortgage Broker in Brighton

Written by Simon Baker BSc (Hons)  |  Reviewed by The Complete Mortgage Shop, FCA regulated (FRN 728880)  |  Last updated 1 May 2026

Brighton and Hove has one of the most distinctive property markets on the south coast. It combines the characteristics of a major seaside resort, a London commuter city and a university town — three forces that sustain demand across all price points and keep average values significantly above the wider South East average.

The London Commuter Premium

Thameslink and Southern services connect Brighton to London Victoria and London Bridge in around 50 to 55 minutes at peak times, making Brighton one of the most popular commuter bases for Londoners seeking more space. This commuter demand has historically compressed the price gap between Brighton and outer London boroughs.

For buyers whose income is earned in London, lenders will assess affordability on their gross income regardless of where they live. This can sometimes open up higher income multiples or better rates than a locally-focused lender might offer.

Leasehold Regency and Georgian Flats

Brighton’s most sought-after properties are its Regency and Georgian terraces in Kemp Town, Brunswick, Clifton Hill and Hove’s seafront. Many have been converted into leasehold flats. The same considerations that apply to Bath’s Georgian stock apply here: lease length, ground rent escalation clauses, service charges and the condition of shared fabric all affect what lenders will offer. Sea-view flats carry a premium but coastal exposure can affect structural surveys, sometimes prompting lenders to add retention conditions to mortgage offers.

The Student and Rental Market

The University of Sussex and the University of Brighton together bring around 35,000 students to the area. The North Laine, Hanover and Elm Grove areas contain significant HMO stock. Brighton and Hove City Council operates selective licensing in several wards — landlords should check licensing requirements before purchasing a rental investment, as operating without a required licence can result in substantial fines and restrictions on rent recovery.

Getting the Right Mortgage in Brighton

Whether you are buying a Regency flat in Hove, a Victorian terrace in Fiveways, or a modern apartment near the seafront, a whole-of-market adviser can compare lenders and identify the most suitable product for your circumstances.

To speak to a qualified adviser, please submit an online enquiry or call 0800 310 1340.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.