Mortgage Broker in Sussex

Expert mortgage advice across Sussex. From first-time buyers in Hove to buy-to-let investors in Chichester — WIS Mortgages covers the whole of Sussex with specialist lender access and whole of market advice.

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FCA
Authorised Broker · Reg 824411
90+
Lenders · Whole of Market
5.0★
Google Rated · 400+ reviews
Daily
Complex Cases · Approved

Local insight

Mortgages in Sussex

Sussex combines coastal lifestyle with strong commuter links into London making it increasingly popular with families and professionals seeking better value than the capital. Hove and Brighton have a large creative, technology and self-employed workforce while Chichester, Lewes and Haywards Heath attract premium buyers and buy-to-let investors. WIS Mortgages handles the full range of Sussex mortgage cases including Self-Employed Mortgages, Contractor Mortgages, NHS Mortgages for staff at Royal Sussex County and Princess Royal hospitals, and Buy-to-Let Mortgages targeting the strong Sussex rental and holiday let market.

Mortgage Services in Sussex

Whether you are buying, remortgaging or investing, we handle the complex cases others decline.

View all 30+ products
First-Time Buyer Mortgages

Buying your first home with as little as 5% deposit.

Learn more Contractor Mortgages

Day rate used for affordability. IR35 and umbrella accepted.

Learn more Foreign National & Visa Mortgages

Skilled Worker, Spouse and Tier 2 visa holders accepted.

Learn more Self-Employed Mortgages

One year accounts considered. Directors and sole traders welcome.

Learn more NHS & Key Worker Mortgages

Borrow up to 5.5× income. Overtime and shift pay included.

Learn more Buy-to-Let Mortgages

Standard BTL, HMO, SPV and holiday let mortgages.

Learn more Remortgage

Fixed rate ending? Compare 90+ lenders. Lock and switch.

Learn more Bridging Loans

Auction purchases, renovations and chain breaks.

Learn more

Areas We Cover in Sussex

We support clients across the whole of Sussex and the surrounding area - from city-centre flats to suburban family homes.

01
Chichester
Historic cathedral city, premium residential and buy-to-let mortgages
02
Lewes
County town, self-employed and first-time buyer mortgage cases
03
Haywards Heath
Mid-Sussex commuter town, family home and remortgage cases
04
Hove
Creative and professional community, self-employed and contractor mortgages
Active coverage
Coverage zone · Sussex
4 areas · Multiple postcodes
Nationwide adviser network

Why Sussex Clients Choose WIS Mortgages

Specialist whole-of-market expertise, an FCA-regulated team, and a track record of saying yes to the cases that get declined elsewhere.

Complex Cases Welcome

Foreign nationals, contractors, self-employed and NHS workers - we handle the cases others decline.

01 - Approval First

Whole of Market Access

We compare 90+ lenders including specialist lenders not available on the high street.

02 - Lender Network

FCA Regulated

Authorised and regulated by the Financial Conduct Authority. Register number 824411.

03 - Regulatory

Ask how MortgagX works with advice from our team.

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“Three lenders said no because of my contractor day rate. WIS got us approved in nine days on a property we'd already lost twice.”

Priya R.
IT Contractor
9 days
Offer to Exchange
£485k
Loan Amount
5.5×
Income Multiple
Case file
Property typeFlat (period conv.)
Income basisDay rate × 5
Deposit15%
LenderSpecialist · Top-5
Initial rate4.89% / 5y fix
Q.01
Can self-employed people get a mortgage in Sussex?
Yes. Sussex has a large self-employed and creative professional community particularly in Hove and Brighton. Our Self-Employed Mortgages accept one year of accounts in the right circumstances and cover sole traders, limited company directors, freelancers and contractors.
Yes. Our NHS Mortgages allow eligible healthcare workers to borrow up to 5.5 times their salary. Sussex has a large NHS workforce across Royal Sussex County and Princess Royal hospitals. Overtime, shift pay and locum income can all be included in the affordability assessment.
Yes. Sussex is a strong holiday let market particularly in coastal areas and the South Downs. We offer Holiday Let Mortgages for Sussex properties including those let through Airbnb and similar platforms. Rental income from holiday lettings can be used to support the mortgage affordability assessment.
Average house prices in Sussex vary from around £320,000 in parts of Lewes and Haywards Heath to over £600,000 in Chichester and parts of Hove. Sussex offers better value than London while providing coastal lifestyle and strong commuter links via Thameslink and Southern rail services.
Yes. Sussex offers strong rental demand and solid yields particularly in university towns and coastal areas. We offer Standard Buy-to-Let Mortgages, HMO Mortgages, Holiday Let Mortgages and SPV Mortgages through a limited company for Sussex landlords.
From application to mortgage offer typically takes 2 to 4 weeks. Completion takes a further 4 to 8 weeks depending on the property chain. Complex cases including self-employed, contractor and holiday let mortgages may take slightly longer due to specialist lender requirements.

Find Out How Much You Can Borrow in Sussex

Use our free mortgage affordability calculator. No credit check, no contact details required - just an honest indication of what 90+ lenders could offer you today.

Try the Calculator
AffordabilityLive preview
Annual income£72,000
Deposit£48,500
Term30 years
Income basisContractor
Max borrowing
£396,000

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