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We are a modern, independent, whole of market mortgage and insurance brokers.

Whether you’re buying your first home, remortgaging, investing in property, or protecting what matters most, we provide clear, personal, and expert advice every step of the way

02/11/2026

You don’t have to suffer a life-threatening illness to find yourself unable to work. If your salary stopped next month, would your savings be enough? Your mortgage, rent, household bills and everyday commitments won't stop just because your income does.

There is a common misconception that income protection policies won’t pay out, or that policies won’t cover time off for mental health reasons. However the latest figures published by ABI and Group Risk Development (June 2026) demonstrate that this is not the case. In fact, a record £209 million was paid out for all types of individual income protection claims in 2025, up 2% from the previous year's record.

Income Protection is a cornerstone of financial resilience and can provide a regular replacement income if illness or injury prevents you from working, subject to the policy terms and conditions. Get in touch to find out how you could protect your income.

29/10/2026

The Your First Home scheme announced in the Autumn Budget will offer buyers a 20% equity loan, interest-free for the first five years, with applications open from February 2027. This could help make homeownership more accessible for buyers struggling to secure a mortgage with a small deposit. It may also reduce upfront costs as a smaller mortgage could mean access to lower rates and more manageable initial monthly payments.

For more information on criteria and eligibility see gov.uk/government/publications/your-first-home

However Your First Home is by no means the only option if you’re a first-time buyer who is struggling to save for a deposit. There are a range of homebuying schemes and types of mortgage deals that are tailored to first-time buyers in the UK, including products requiring zero deposit, and up to 6.5x Loan to Income. Get in touch to find out what your options look like today, before making a decision.

28/09/2026

Same client. Same mortgage goal. Very different options.

Our client approached us after being recommended to a broker who only had access to a limited panel of lenders. The broker said she could borrow £80,000. We found a lender who could offer £160,000.

This is exactly why having access to the whole of market can matter when choosing a mortgage broker. If you're told you can't borrow enough, or the figures don't quite work, it could be worth speaking to a whole-of-market mortgage broker before ruling out your plans.

Get in touch to discuss your options.

24/09/2026

When was the last time you checked your credit report? In the UK, there are three main credit reference agencies - Experian, Equifax and TransUnion, and they can each hold different information about you and calculate your score differently. Lenders may also use their own scoring systems.

Checking your credit report helps you:
✅ Spot incorrect or outdated information
✅ Understand how lenders may view your credit history
✅ Identify areas you could improve
✅ Prepare before applying for a mortgage, loan or credit card

The good news is checking your report doesn't hurt your credit score. It's a 'soft search' that won't be visible to lenders as a credit application. Most credit reference agencies offer free trial periods - just make sure you cancel before the free trial ends or you will be charged a fee.

27/08/2026

Late payments can affect your mortgage application but they don’t automatically mean you can’t get a mortgage.

Lenders may consider factors such as the number, timing and severity of missed payments, alongside your wider financial circumstances. Different lenders have different lending criteria, so the outcome can vary from one lender to another.

Our advice? Talk to us before making an application.

Going directly to a lender means you’ll only be assessed against that lender’s criteria. As mortgage brokers, we can discuss your circumstances, explain your options and help identify mortgages that may be suitable for you, subject to lender criteria and affordability.

If you’ve had a late payment, don’t assume your mortgage plans are over. Speak to us first so you can understand your options.

12/08/2026

Thank you to our client Liz for taking the time to leave this feedback. It was a pleasure helping you and we're happy to have played a part in securing your new pad. Thank you for choosing Pure Mortgage.

06/08/2026

Employer life insurance is a great starting point in building a financial safety net, but it's worth considering that this type of insurance is designed as a workplace benefit rather than a comprehensive family protection strategy. If your goal is protecting your spouse, children, mortgage, future education expenses, and your family's financial lifestyle, relying on employer life insurance alone may leave you with gaps in protection should the unexpected occur.

The right level of protection depends on your individual circumstances. Reviewing your cover regularly can help ensure it remains appropriate as your needs change. If you'd like to discuss your protection options, get in touch.

16/07/2026

When you speak to us about lending options in later life, we will:

• Take time to understand your goals, family situation, and future plans.
• Compare equity release with alternatives, such as downsizing, RIO or standard mortgages into retirement, using savings or investments, and other types of borrowing.
• Explain how equity release works, including interest roll up and long term costs.
• Clearly outline the advantages, disadvantages, and risks.
• Tell you honestly if equity release is not the right option for you.

To understand the features and risks that apply to your circumstances, ask us for a personalised illustration. There is no pressure, and no obligation to proceed.

13/07/2026

Mortgage rates have been edging down in recent weeks and many lenders are offering better rates than they did earlier this year. Many borrowers may be tempted to sit on their lender’s standard variable rate, waiting for rates to become ‘perfect’ but perfect rates are not guaranteed and even 0.20-0.50% can save hundreds of pounds a year.

Reviewing your options when they become available helps to make sure you’re not paying more than you need to. If you’re re-mortgaging you can often secure a deal now and switch again if rates improve before completion. Get in touch when your deal ends within six months and we will track the interest rates for you and help you understand whether switching is appropriate for your circumstances.

06/07/2026

Many people assume that getting a mortgage becomes impossible as they get older, but that's not the case. There are many options available and the right solution depends on your income, retirement plans, property value, and long-term objectives. Your age doesn't necessarily determine your borrowing options, but your circumstances do.

We are members of the Equity Release Council, meaning we're committed to following industry standards that help ensure you receive clear advice, fairness and peace of mind. Get in touch for a friendly, no-obligation chat.

Address

20 Brunswick Place
Brighton And Hove
BN31NA

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+441273722122

Website

https://www.pure-mortgage.co.uk/

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