Active Mortgage Advice

Active Mortgage Advice are independent mortgage brokers based in London & Brighton. Our advisers provide independent mortgage advice on mortgages and remortgages to first time buyers, home owners and buy-to-let investors in London, Brighton and throughout the UK. We're independent and we'll put your interests first. We don't favour particular products or lenders. We'll recommend the mortgage that we think will work best for you.

We are members of the Sesame Network of Independent Financial Advisers. This gives us access to the whole mortgage market, including deals not available to individuals.

Good news for first time buyers! Many lenders have changed to their lending policies to help you take this important first step onto the property ladder.

Income multiples are becoming a thing of the past as a growing number lenders move to more sensible ways of calculating affordability. It is now possible to obtain a mortgage that may exceed 5 x joint income as long as you are able to afford it.

Furthermore, there are an increasing number of 100% mortgage deals available to first time buyers. These can be particularly useful in helping you purchase your first home before having to save for a deposit.

You may also wish to consider other options like shared ownership, the government's key worker scheme or a guarantor mortgage, where a parent guarantees to meet your repayments if you can't.

At Active Mortgage Advice we specialise in guiding first time buyers through the mortgage maze and house buying process. If you would like more information, please feel free to contact Emma Cook on 0800 808 7007.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Remortgaging

In recent years the remortgage market has boomed, as savvy borrowers know that they can save money by moving their mortgage to a new lender or by renegotiating their current deal.

As the remortgage market has developed, lenders have started to offer attractive incentives like reduced legal and arrangement fees or even no fees at all. These incentive packages are particularly attractive for borrowers with mortgages less than £150,000

You can remortgage for other reasons: if you have owned your home for a number of years a remortgage could release equity, giving you cash for other things like home improvements and holidays. Your personal circumstances could also change: a rise in income may lead you to consider paying off your mortgage more quickly; removing or reducing uncertainty about changes to your monthly repayments could become important. A Remortgage can help here too.
If you are currently paying your lender's standard variable rate or coming to the end of your tied-in period, it's very likely that we could save you a significant amount of money.

As independent mortgage advisers we have access to deals from across the whole market. We will look at your current mortgage arrangements, talk through your reasons for a remortgage and identify the deals that best suit your particular circumstances. Even if your current deal carries early repayment charges a remortgage may still save you money in the long run.

We won't recommend a remortgage unless it's the most cost-effective thing for you to do. Staying with your existing lender and renegotiating your deal will not incur any of the legal expenses or other costs, so we will always consider this option when calculating what offers you the best value for money.

If you would like us to research what the cheapest deal available to you is, simply call Emma Cook on 01273 733172.

Your Local Independent Mortgage Adviser. NO need to pay a FEE. Flexible and Efficient Service. Evening and Weekend Appointments Available.

Active Mortgage Advice provides completely independent advice to homebuyers and landlords in the Brighton, Hove and Susex area.

Trade Bodies / Associations

Authorised and regulated by the Financial Services Authority.

Specialist Services

Our indepth knowledge of the market ensures we consistently exceed our clients expectations and our personal service makes the whole process hassel free.

Trading Since

2000