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Sophisticatedsussex-FTBgroup

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United Kingdom
Brighton and Hove
Sophisticatedsussex-FTBgroup

A Brighton Mortgage Broker who is passionate about helping first time buyers purchase a property

28/04/2026

Miss T was delighted to share her experience after purchasing her beautiful thatched cottage.

As a first-time buyer, she initially had little knowledge of the mortgage process and relied on friends for guidance and recommendations—one of which led her to me.

After an initial call to understand her goals, I reviewed her documents, including company accounts, tax documents, bank statements, ID, and proof of deposit. I then advised her on borrowing capacity, rate options, and suitable products, and secured a Decision in Principle so she could begin viewing properties.

Although her first choice didn’t turn out to be the right fit—a common occurrence—she soon found her perfect home. We updated the application, and with rates having dropped, she also benefited from lower monthly payments.

Miss T is now the proud owner of her dream cottage, and I couldn’t be happier for her.

If you’re thinking of buying your first home, feel free to get in touch—I’ll guide you through every step of the process.

[email protected]
07306 133339

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

22/02/2026

What buyers are looking for
A survey from LRG has revealed the three most influential factors when buying a property, excluding price and location.

Updated kitchens and bathrooms were the important features, with 77% of respondents citing these as key influencers. Meanwhile, an attractive garden (55%) was more favourable than exterior presentation (23%), suggesting that kerb appeal is currently less of a priority among buyers. But presentation inside the home does seem to matter, with 49% of respondents citing cleanliness as a key influence. Bold interior colour schemes were the bottom of the priority list, with only 4% looking for this in a potential home. Kevin Shaw at LRG commented, “Buyers are clearly telling us that a spotless, well-maintained property can be highly persuasive.”

Sources:
https://www.propertyreporter.co.uk/homebuyers-prioritise-upgraded-kitchens-and-bathrooms-over-kerb-appeal-says-lrg.html

22/08/2025

Are you planning to view properties this weekend? 🏠

Before you start house hunting, it’s important to have your mortgage in principle agreed. Why? Because it demonstrates to estate agents and sellers that you’re a committed buyer, ready to move forward.

Having this in place offers three key advantages:
1️⃣ You’ll know exactly what you can afford.
2️⃣ It speeds up the process once you find your dream home.
3️⃣ It strengthens your negotiating position when making an offer.

In today’s competitive market, preparation is everything. Don’t miss out on your perfect home because someone else was mortgage-ready.

Get in touch today and let me help you secure your agreement in principle before your weekend viewings.

11/08/2025

📣 Real stories. Real homes. Real smiles.

Nothing makes me happier than helping my clients turn their dreams into reality—and your kind words make it all worth it! 🏡💙

⭐️⭐️⭐️⭐️⭐️
”Julie was an absolute joy to work and really went above and beyond”

⭐️⭐️⭐️⭐️⭐️
”I cant speak highly enough of Julie”

Whether it’s your first home, your forever home, or a remortgage, I’m here to make the process smooth, stress-free, and even enjoyable 😊

📍 Proudly serving and beyond

01/08/2025

IT’S PRIDE WEEKEND 🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈🏳️‍🌈

For all those that are coming to please stay safe and have a wonderful weekend 🏳️‍🌈

For all of those that fall in love with this weekend and are looking to move into the area, I would love to help you arrange your mortgage and am offering a reduction in my Broker Fee if you mention ‘Pride2025’ to me. 🏳️‍🌈

If you are already living in the area, are looking to move or remortgage or are a First Time Buyer the reduced broker fee applies to you too 🏳️‍🌈

30/07/2025

First time buyer and Self-Employed & Needing a Mortgage? 🏡💼

Don’t worry — here’s what you’ll need and how I can help 👇

📁 Key Documents You’ll Need:
✅ 2+ years of tax returns (SA302s)
✅ Tax year overviews from HMRC
✅ Business accounts (if you’re a limited company)
✅ 3–6 months of personal & business bank statements
✅ Proof of ID and address

🧾 Why lenders need this:
They want to understand your income stability and cash flow—so they can assess affordability with confidence.

🙋‍♂️ How I can help as your mortgage broker:
🔍 Match you with lenders who understand self-employed income
📝 Guide you through the paperwork
📞 Handle the application from start to finish
💬 Answer all your questions along the way

📩 DM me “SELF-EMPLOYED” to get started or ask questions!
Let’s make your mortgage happen 👊

02/07/2025

A little intro…✨

I’m Julie — a senior mortgage broker based on the beautiful South Coast in Hove (actually!) 🌊☀️

I live here with my lovely little family and my fluffy toy poodle, Bear 🐶 — my loyal assistant.

With years of experience, I specialise in everything mortgage-related, including but definitely not limited to:

🏡 First-Time Buyers
🔄 Remortgages
🚚 Home Movers
💼 High Net Worth & Professionals
📈 Self-Employed & Business Owners
⚽️ Sports Professionals
🏘️ Buy to Let
🔒 Adverse Credit
🧩 Specialist Lending

⸻

💛 My promise to you:
Looking after my clients and providing a lifetime of friendly, efficient service is my #1 priority. I’ll guide you every step of the way — from our first chat to your mortgage completing (and beyond!).

Think of me as your mortgage person for life: your next move, remortgage, extra borrowing, or any surprises life throws your way — I’m here for it all.

⸻

✨ Flexible appointments that work around busy family life? Absolutely.
✨ A no-judgement space for any question, big or small? Always.
✨ A loyal mortgage expert in your corner? You got it.

Don’t just take my word for it — my 5-star Google reviews say it all! 🌟

⸻

📩 Let’s chat:
📧 [email protected]
📱 07306 133339

Drop me a message today — I can’t wait to help you make your next move happen. 🏡✨

⸻

14/04/2025

⭐️ So proud to share this review with you and highlight the key areas, Thankyou Mr M for the lovely review!⭐️

‘Fantastic person centred customer service’

‘Supported me with all my litany of questions along the way’

‘The whole process was flawless’

‘Getting on the property ladder was made easy’

Mr M was a first time buyer who I worked with from July 2024 until March 2025 when he completed on his dream home after the first property fell through. 🏡

As a first time buyer it was a joy to help and guide him every step of the way from the initial enquiry right up until completion day. 👏

In my book, no question is ever too small so I am happy to answer everything that is thrown at me📚

Finally, the best part of the job was hearing the happiness in his voice after he had picked up his keys and was celebrating on moving in day. 🍾 (the hiccups were a bit of a giveaway of the celebrations taking place 🤣)

Success story ✅

‘

02/04/2025

Have you heard the news?! 📣

You can now get on the property ladder with a 5% deposit and a 15% boost loan. 🏡

If you want to know more pls get in contact with me today.

This product is only available to a very limited panel of brokers and I am on that panel! 🤩

[email protected]

24/03/2025

Come along to the Ideal Home Show to talk about your property and mortgage goals.
See you there!

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Brighton And Hove

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