High values & flats
Brighton & Hove is one of the pricier markets outside London, with lots of flats and conversions. Getting the right lender and a realistic budget matters.
How we work with Brighton buyers
No high-street office, just a trusted mortgage broker in Brighton.
Fancy a chat?
No obligation. We’ll be in touch within one working day.
Thanks, request received.
We’ll be in touch within one working day.
Looking for a mortgage broker in Brighton? City Mortgage Solutions doesn’t have an office in the Lanes. What we do have is a whole-of-market advice team who work with Brighton buyers every week, by phone, video and email, around your schedule.
The mortgage market is national, so the lenders and rates open to you are exactly the same as any local broker can access. What matters is the quality of the advice and knowing your market, and that travels down a video call perfectly well.
Lenders compared
90+
Whole of market
Google rating
5.0
From UK-wide clients
Initial consultation
Free
No obligation
Appointments
Flexible
Evenings available
What clients say
Brighton buyers, advised remotely
Rated 5.0 on Google by clients across the UK, including these, who bought in Brighton without us ever needing to be in the room.
Where our Brighton clients buy
Across Brighton, Hove and Sussex
Select an area to see the kind of buyers we help there. Wherever you are, you get the same advice by phone or video.
Where we help
City Centre
North Laine and central flats and conversions, vibrant, sought-after and where getting your budget right counts.
Brighton market snapshot
The Brighton & Hove market in numbers
A quick read on local prices, useful in one of the pricier markets outside London.
Average sold price£406kBrighton & Hove, 2026
First-time buyer£343kTypical FTB price
Home-mover average£495kTypical mover price
Typical flat£314kFlats across the city
Source: ONS / HM Land Registry UK House Price Index (2026). Indicative averages. Please confirm current figures before publishing.
The advisers you'll work with
A dedicated team for your Brighton move
You won't be passed around a call centre. You'll be matched to one of our experienced advisers and stay with them from first call to completion.
Roy is one of our longest-serving brokers, based in Romford, with more than 35 client reviews on our site.
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You’ll find Priyesh in South Woodford. More than 20 clients have left him a review on our site.
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Lisa advises from Great Dunmow on mortgages and protection, with more than 15 client reviews on our site.
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You’ll find Bhupinder in Rainham, Essex, advising people who are buying, moving or reviewing their mortgage.
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Nazir is our broker in Kingston upon Thames, with a dozen client reviews on our site.
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Sacchin helps buyers, movers and homeowners around Rainham in Essex with their next step.
WhatsAppEvery adviser is CeMAP-qualified and advises across the whole of the market by phone and video.
Simple from the first call
Brighton advice that comes to you, by video
Three steps, no jargon, one adviser throughout, built around your diary, not a branch's opening hours.
1
A free intro call or video
First flat in Kemptown or a family move to Preston Park? We'll talk through your budget and options with no obligation, evenings included.
2
Whole-of-market search
We compare 90+ lenders, important in a higher-value city like Brighton, recommend the right one plainly, and arrange your agreement in principle.
3
Through to completion
We manage the paperwork, chase the lender for updates and coordinate with your solicitor so everything lands together.
Local knowledge that matters
Buying in Brighton: what we see in your market
From seafront flats and Regency conversions to family homes inland, we factor the local picture into your advice.
Stamp Duty (SDLT)
We'll estimate your Stamp Duty Land Tax, including first-time-buyer relief and the surcharge on second homes, as part of your total costs before you offer.
Conversions & leasehold
Many homes are flats in converted period buildings. Lease terms and construction affect lending, and we steer you to lenders comfortable with them.
Commuter demand
Fast links to London keep demand high. Being ready with an agreement in principle lets you offer with confidence when something comes up.
Why use a broker
One bank shows its own range. We show the Brighton market.
Going direct isn't wrong. It's just one lender's shelf, which matters more in a pricey market. See what changes with our advisers on your side.
With City Mortgage Solutions
Whole of market- Deals compared across 90+ lenders, including broker-only rates
- Advice on which lender suits your income, deposit and credit profile
- Agreement in principle before you offer, so you're ready to move fast
- Application managed end-to-end, alongside your solicitor and agent
- Protection reviewed alongside the mortgage, not as an afterthought
Going direct to one bank
- Only that bank's own products, however the market compares
- You self-select the lender before knowing if their criteria fit you
- Appointment lead times set by branch and call-centre availability
- Progress-chasing across bank, valuer and solicitor sits with you
- A declined application can leave a mark before you try elsewhere
Your home may be repossessed if you do not keep up repayments on your mortgage.
Access to over 90 lenders, including
Authorised and regulated by the Financial Conduct Authority
HalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensingtonHalifaxNationwideNatWestSantanderHSBCBarclaysSkiptonAccordCoventryVirgin MoneyAldermoreLeeds BSTSBPreciseKent RelianceKensington
Common questions
Brighton mortgage questions, answered straight
No. We're a UK-wide brokerage rather than a high-street Brighton office, and we work with Brighton & Hove buyers every week by phone and video. The market is national, so your lenders and rates match any local broker's; the value is in the advice and the legwork.
Yes. Most of our Brighton clients prefer it. Documents go back and forth securely online, appointments fit around work including evenings, and you keep one adviser throughout.
Yes. We advise across Brighton, Hove and Sussex, from seafront flats in Kemptown to family homes around Preston Park and out along the coast, factoring in local prices, leasehold quirks and demand.
Yes. Essential in Brighton, where so many homes are flats in converted period buildings. Lease length and construction affect lending, and we steer you to lenders comfortable with them.
Your first consultation is free and without obligation. Any fee on your case is set out clearly and in writing before you commit.
Usually four to four-and-a-half times income, though deposit, credit and affordability matter, and budgets stretch further with the right lender here. We'll confirm a figure and an agreement in principle, usually within a few working days.
Usually within 24 hours by phone or video, including evenings, so you're ready to offer when something comes up.
Free, no-obligation consultation
Let’s find a time that works for you.
Tell us when suits and one of our advisers will be in touch within one working day, or message us on WhatsApp. Evening appointments available, around your schedule.
Thanks, request received.
An adviser will call you back within one working day.