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Mortgage Options for Sussex Landlords
From the vibrant rental scene in Brighton and Hove to the steady demand in Worthing, Eastbourne and Chichester, Sussex offers a variety of investment opportunities. Our experienced advisers understand how property types, rental yields and lender criteria can differ across the region. We will guide you through every step, from comparing mortgage deals and calculating returns to helping you choose the right mortgage structure for your plans.
A fixed-rate mortgage gives you predictable monthly payments for a set term, usually between two and five years. This stability helps you budget effectively, especially when starting out as a landlord.
A variable-rate mortgage offers flexibility, with interest rates that may rise or fall depending on market conditions. These can be useful for landlords comfortable with some fluctuation in repayments.
An interest-only mortgage allows you to pay only the interest each month, helping you maximise monthly profit. The loan amount is repaid later, often when the property is sold or refinanced.
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Buy-to-Let FAQ’s in Sussex
Coastal towns such as Brighton, Worthing, and Eastbourne offer excellent long-term rental demand and short-term holiday let potential. The right mortgage depends on how you plan to rent the property.
Yes, but this falls under a specialist category called holiday let mortgages. We work with lenders who cater for seasonal and year-round rental properties.
East Sussex areas like Hastings often provide higher yields, while West Sussex towns such as Chichester attract premium rents. We’ll help you assess the balance between yield and capital growth.
You’ll need to declare your rental income and may be subject to capital gains tax when selling. We recommend independent tax advice alongside our mortgage guidance.
Yes, but lender options are limited. We can help identify products suitable for first-time landlords and explain what additional criteria may apply.