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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.
Independent Financial Advisers - IFAs Brighton
SLG Financial Solutions - Independent Financial Advisers
3 Queens Parade, Hove BN3 8JG, UK – 01273 749641
SLG provide a first class customer experience. Stephen and Adrian will personally and thoughtfully guide you and advise you to provide a thorough and professional service. From my perspective they provide excellent added value to many of my financial requirements, really invaluable advice.
Based on my recent personal experience I can confidently recommended SLG Financial Solutions and Stephen Gicquel Managing Director as a very reliable and thorough IFA . I've had ongoing contact with SLG for several months now who have definitely proved to be very professional,highly knowledgable in this field and above all else extremely ethical in their business. In my particular case-and in context to my individual situation-SLG advised me eventually to 'stay put' in my present Pension plan after an exhaustive assessment -even though this advice was not in the short term financially advantageous to their business. Moreover,Stephen Gicquel,the MD there, very generously waived a fee that I had previously agreed to in view of a change of circumstances in my Pension Planning picture. Therefore,from my point of view I cannot recommend SLG highly enough,especially as regards Pension Planning. Thank you Stephen.
IEP Financial
119 Church Rd, Hove BN3 2AF, UK – 01273 208813
Very slick experience from first contact to set up of our pension enrollment. Tim came to our office and guided every member of staff through the process, put the administrators in touch with the right people and was always contactable with any query big or small. He is very knowledgeable and gave a very personal experience. Highly recommend to others.
Stefan advised me on my mortgage from start to finish. His patience and knowledge was vital to helping me buy my firt home. I can't sing his praises enough!
Brighton and Hove Financial Consultants
Second Floor Front Office 32A, Church Rd, Hove BN3 2FN, UK – 01273 741115
Amazing service by Adam Francis. Started out not knowing a thing about mortgages to now being in our first home! Adam was always available to talk to any time of the day and kept us informed throughout the whole process! Would definitely recommend Adam and the team for any mortgage enquiries!
Matt helped us purchase our first home. I can’t thank him enough for his professionalism and speedy service. From start to finish, he took care of everything! I highly recommend him and the whole team at Brighton & Hove Financial Consultants and shall use them again in future without a doubt!
Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Brighton.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.
Crowd Funding and Business Loans
We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.
TSB Bank
51-53 West St, Brighton BN1 2RA, UK – 01273 909998
Good friendly staff who are always helpful
Decor was nice, was served promptly but can imagine it gets busy during peak hours.
RBS
60 Castle Square, Brighton BN1 1DX, UK – 01273 821118
The staff are always helpful and very friendly. The wait usually isn't too long. Overall very good!
Banks
NatWest Bank
103 Church Rd, Hove, Brighton BN3 2BF, UK – 0345 788 8444
Seems to have been renovated recently and now has just two cashier's positions, so now even more of a wait on Saturday mornings.
It is OK.
Handelsbanken Brighton
5th floor, 2 Bartholomews, Brighton BN1 1HG, UK – 01273 779903
A bank with real staff whom one can reach on the phone.
Building Societies
Yorkshire Building Society
137 Western Rd, Brighton BN1 2LA, UK – 01273 721891
I come from Dublin Ireland and have recently relocated to Brighton. I spent weeks attempting to set up a UK bank account receiving a negative response from most of the established bank including the Co Op bank and METRO ...I am a professional person who has always had,a,good credit record and found the experience exhausting and humiliating. I finally approached the YORKSHIRE BUILDING SOCIETY where the manager Ian was extremely helpful and respectful and got an account set up for me on the spot. Within 2 days I had received my bank card and have found all the staff extremely supportive and efficient . I would highly recomment the YORKSHIRE BUILDING SOCIETY to anyone particularly to individuals from outside the UK who need to set up a basic bank account in Britain , quickly and without fuss... Fiona Mary O Connor.
Nationwide
19 George St, Hove BN3 3YA, UK – 0800 554 0333
Straight forward and helpful as always. Can't fault them
Staff welcome you and know your name in the most part.
Nationwide
117 London Rd, Brighton BN1 4JG, UK – 0800 554 0346
That's been my bank for a kind time and they are very nice and good at there job 🎊👍😜
Handy - with cash machine
Mortgage Brokers
My Mortgage Company
253 Ditchling Rd, Brighton BN1 6JD, UK – 01273 956564
As a first time buyer I was more than impressed with the service Charlotte provided, she explained everything clearly and kept me informed every step of the way. Her knowledge and experience and her thorough yet no nonsense approach is very much appreciated! None of the high street waffle or jargon and a bit more of a personal approach mean I will always be using Charlotte from now on. Highly recommended.
Considering how tough it is to get a mortgage when you are self employed and first time buyer, Charlotte made the process seamless. The whole My Mortgage team were brilliant. As for Charlotte she was professional, efficient and her knowledge of the mortgage market was EXCELLENT. Very happy to have dealt with them.
Mortgage Medics
85 Ditchling Rd, Brighton BN1 4SD, UK – 01273 878760
* HIGHLY RECOMMENDED * Working with Mortgage Medics to buy my first home was a great decision and brilliant experience. Mike expertly guided me through the process and the friendly and helpful nature of the whole team was consistently evident. I feel that I ended up with a good deal and valued their honest transparency policy.
Very helpful and knowledgeable staff. A pleasure...
Mortgage Medics
353 Portland Rd, Hove BN3 5SF, UK – 01273 329509
* HIGHLY RECOMMENDED * Working with Mortgage Medics to buy my first home was a great decision and brilliant experience. Mike expertly guided me through the process and the friendly and helpful nature of the whole team was consistently evident. I feel that I ended up with a good deal and valued their honest transparency policy.
Sam Murphy at Mortgage Medics was recommended to my husband and I by a friend to whom I am very grateful! Sam took the time to understand our specific needs before explaining in detail our various options, both in terms of a buy to let mortgage as well as life insurance and work protection policies. His expertise, combined with his friendly and practical approach, made getting to grips with our financial security a manageable task!
Mortgage Brokers - Key Questions
How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Brighton.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Brighton that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Brighton.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Brighton that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Mortgages
Gaskells I.M.A Ltd
9 Old Steine, Brighton BN1 1EJ, UK – 01273 248929
As a first time buyer, am really satisfied by the quality and professional outstanding service delivered by Nick Gaskell. Nick was so helpful and responsive to all my concerns. I definitely recommend him as a reliable mortgage advisor. Big thanks to Sandie for your great customer service approach.
We have been recommending Gaskells for years. Extremely confident in them as individuals and as a professional company. Highly recommended.
Seico Insurance Consultants
GOLDSTONE BUSINESS CENTRE, Goldstone Business Centre, Goldstone St, Hove BN3 3RJ, Goldstone St, Hove BN3 3RL, UK – 01273 778888
Estatic with the service provided by Seico mortgages. Jamie was my Broker and was very helpful in finding the right mortgage with the given circumstances (self employed). Jamie followed up and was available regularly at all times and made the whole process of getting a mortgage easy. Would definitely recommend to anyone who wants to make the whole mortgage process easy and stress free. Top Job Seico and Jamie 👍🏽👍🏽👍🏽
Sussex Mortgage Services Ltd
Rear Offices, 174 Church Rd, Hove BN3 2DJ, UK – 01273 906706
Great Service, Efficient, Personable and Professional Thank you For Helping Us !!
Paul and the team were very helpful