How much deposit do I need for a mortgage in Worthing?

Most lenders ask for at least a 5%–10% deposit. In Worthing, first-time buyers often aim for closer to 10% because it opens up access to more competitive rates. If you already own a home, we can also look at options to use existing equity as your deposit.

What documents will I need to apply for a mortgage?

You’ll usually need proof of income (payslips, P60, or accounts if you’re self-employed), recent bank statements, ID, and proof of address. Your adviser will give you a clear checklist before the application so nothing delays the process.

What costs should I budget for besides the deposit?

You’ll need to budget for valuation fees, conveyancing, moving costs, and sometimes a product fee charged by the lender. In Worthing, average solicitor fees tend to range between £1,000–£1,500 depending on the property value. We’ll give you a full cost outline at the start.

How long does it take to get a mortgage offer?

Once your documents are submitted, most lenders issue a formal offer within 2–4 weeks. Local transactions in Worthing can move quicker if all parties are ready, especially for straightforward purchases.

Can I get a mortgage if I’m self-employed or a contractor?

Yes. Many of our Worthing clients are self-employed or contractors working across Sussex. We help prepare your accounts, SA302s or day-rate evidence to show consistent income so lenders can assess you fairly.

Should I choose a fixed or a tracker rate?

It depends on your priorities. Fixed rates offer stability, while tracker rates can be cheaper if interest rates fall. We’ll compare options from the full market and explain how current Bank of England rate trends could affect your monthly payments.

Mortgage Broker in Worthing

Clear, FCA-regulated mortgage advice for Worthing buyers, movers and landlords. We compare lenders across the whole market, handle the paperwork for you, and guide you from first chat to mortgage offer with no hidden fees or pressure.

Clear advice from whole-of-market mortgage broker. Whether you’re buying your first home, remortgaging, or investing in property, we help you secure the right deal without hidden fees from the comfort of your own home or office.

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