Mortgages
Buying a property can be one of the biggest decisions we make in our lives … and a mortgage is often one of the largest financial commitments that you will undertake, so choosing the right one requires careful consideration.
Protection
Thinking about the consequences should anything happen to the main income source isn’t something any of us want to contemplate. However, it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.
About us
As a local company, we mainly advise clients in the Brighton & Hove and Sussex Area. We believe you need to build relationships with clients to understand their needs and nothing beats face to face advice. We do, however, have clients all over the country and are happy to discuss your needs wherever you are located and whatever your circumstances.
Paul Little
Adviser & Business Development
Paula Little
Office Manager & Client Services
Our Approach
Finding out about you and your needs
Our aim is to find out about you, your current situation, the type and cost of the property you would like to buy or remortgage. This will help assess your circumstances and show the best way to proceed.
Searching for the best product
Once we fully understand your personal situation, our experts will search through a comprehensive range of mortgages in the marketplace to find the right one to suit your needs.
Presenting you with the solution
Once we’re happy that we have the right solution for your needs, we’ll present this to you in an easy to understand document, and you can ask any questions that you may have.
Our Fees
Discover our straightforward fee structure, designed to provide clarity and transparency, so you understand exactly what you’re paying for. Our goal is to ensure confidence in the value of our services.
Research and Analysis
Our research and analysis service provides tailored insights into mortgage options, helping you make informed decisions. We evaluate market trends and products to ensure solutions are aligned with your financial goals and needs.
Mortgage Protection
Things happen when you least expect them to!
Life Insurance
Offering expert guidance on life insurance options to protect loved ones financially if the unexpected happens.
Details
- Mortgage Life Insurance also known as Mortgage Protection
- Level Term Assurance – Interest Only Mortgage
- Decreasing Term Assurance – Repayment Mortgage
- Family Income Benefit – Provides lump sum or monthly income
- Cost Based on Health, Age, Amount & Term
Critical Illness Cover
Providing critical illness cover advice to safeguard your finances during serious health challenges and recovery periods.
Details
Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities.
Core conditions:
- Cancer
- Heart attacks
- Strokes
Conditions not covered:
- Pre-existing conditions
- Hereditary illnesses
- Chronic conditions
- Temporary illnesses
Income Protection
Guiding you through income protection options to ensure financial stability if illness impacts your earnings.
Details
- provides regular payments that replace part of your income if you’re unable to work due to illness or an accident
- pays out until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner
- typically pays out between 50% and 65% of your income if you’re unable to work
- covers most illnesses that leave you unable to work – either in the short or long term (depending on the type of policy and its definition of incapacity)
- can be claimed as many times as you need to while the policy lasts
Business Protection
Expert advice on business protection to secure your company’s financial future against unforeseen events and loss.
Details
- Life insurance policy designed for businesses
- To protect business ownership and maintain control (shareholder protection)
- To protect profits (key man insurance)
- To pay off business debts (business loan insurance)
General Insurance
Insure your home and belongings.
Buildings Insurance
If you have a mortgage, your lender will insist that your property is protected by buildings insurance.
Details
- Compulsory if you have a mortgage
- Covers the cost of rebuilding your home if it's damaged or destroyed
- Covers accidental damage, acts of god, fire, explosion, flood, storm
- Level of cover must cover the full cost of fully rebuilding your house
- Also covers garage, outbuildings, pipes, cables & drains
Contents insurance
Offering guidance on contents insurance to safeguard your belongings against theft, damage, and unforeseen events.
Details
Benefits can include:
- Accidental Damage Cover
- Stains & Spillages
- Money & Credit Card Misuse
- Domestic outbuilding contents
- Door lock replacement
- Freezer contents
- Jewellery and Paintings
- TV’s, Computers, Tables & Mobiles
Health insurance
It's when you need to make a claim that you realise just how wise investing in health and medical insurance is.
Details
Health insurance offers:
- A choice of private hospitals and clinics.
- A choice of which specialists you see.
- Flexibility, so you can get the help you need in a way that works for you.
Covered by most health insurance policies:
- Physiotherapy
- Mental health
- Cancer
- Acute conditions. This includes any illness or injury that you can recover from.
Landlord's insurance
Helping landlords protect property investments with tailored insurance solutions against risks and unexpected damages.
Details
Landlord Insurance policies can cover against:
- Damage to your property (by the tenant)
- Lost rent and re-letting costs
- Re-letting costs - whilst the property is uninhabitable
- Emergency repairs
- Liability for injury or loss related to your rental property brought by third parties such as tenants, visitors or cleaners.
Buying a home
Buying your first home can be a very exciting albeit daunting experience which is why it is important to get the right advice at the very start.
Reviews
See why our customers love our services.
“We have used Paul and Paula at Sussex Mortgage Services for many years now and they have always looked after us extremely well. I have always felt that the advice we receive is first class and am confident that we offered the best choice of mortgages available. We would therefore have no hesitation in recommending Sussex Mortgage Services. Thank you for looking after us.”
Stephen & Margaret Benton
Get In Touch
Location
Sussex Mortgage Services Ltd
Curtis House
34 Third Avenue
Hove
BN3 2PD