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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5pm

Number One Mortgages

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Shoreham-by-Sea
Number One Mortgages

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Local independent Mortgage Brokers based in Shoreham and operating throughout the UK offering expert financial advice.

Number One Mortgages is a local fully independent firm of mortgage and protection advisers that has been established since 2004. We offer professional advice and superior customer service and undertake comprehensive market research to ensure you get the best mortgage you can. We’ve already helped hundreds of people in Sussex and we pride ourselves on our friendly, thorough and approachable business style. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Number One Mortgages Ltd is authorised and regulated by the Financial Conduct Authority. We charge £499 for mortgages on new purchases and £399 for re-mortgages, both payable upon submission of a mortgage application.

02/11/2026

There are a lot of misconceptions about remortgaging especially the timing of a remortgage... Here are some signs you should remortgage sooner than you think! 🤫

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

01/11/2026

Its age alone isn't usually a dealbreaker for lenders. 🤔

But things like construction type and the materials used can affect which mortgage options are open to you.

A lender's valuation can also flag issues that affect how much they're willing to lend, so it pays to know what you're working with early on. 🏴

Here's the thing though: one lender saying no doesn't mean they all will.

Criteria varies a lot when it comes to property type, age and construction, and there are specialist options out there for properties that don't tick the usual boxes.

Getting the details checked before you apply can save a lot of stress later.

If you're eyeing up an older or unusual property, speak to us first. We'll help you figure out where you stand. 📋

29/10/2026

Life for the self-employed looks different and so does your mortgage journey! That's why you need the Number One Mortgages team by your side 🤩

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

28/10/2026

The big announcement from the Autumn Budget is that the Your First Home Scheme has officially been confirmed! ✅

We mentioned this a few weeks ago, but it's now official!

The scheme is designed to help more people get onto the property ladder.

Eligible first-time buyers could purchase a new-build home with just a 2.5% deposit, alongside a 20% government equity loan that's interest-free for the first 5 years! 🏡

Applications aren't open yet, but pre-registration will open before the end of 2026, with applications expected to open in February 2027 📆

Pre-registering won't commit you to purchasing, but will help you understand your eligibility and local property price limits.

You can read more here:
https://www.gov.uk/government/publications/your-first-home/your-first-home

There's also news about a new First Time Buyer ISA!

The Government is planning to introduce a new, simpler savings account to help first-time buyers save towards their first home.

It's intended to replace the Lifetime ISA for new savers, although existing Lifetime ISA holders will still be able to continue saving under the current arrangements.

There's no confirmed launch date for the new ISA yet, but we'll keep you updated!

It's great to see some positive announcements for first-time buyers! 🤩

If you're planning to buy your first home, we can help you understand these changes, explore your mortgage options and prepare for your purchase 🏡

Get in touch today!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

27/10/2026

Buying a home together? Let’s see what your combined income could unlock. 🏡

With a joint income of £60,000, your borrowing potential will depend on the lender, your outgoings and your individual circumstances.

And don’t forget to budget for the extra costs, from legal fees and surveys to removals.

Get in touch and let’s work out what you could borrow and what you’ll need to budget for.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

26/10/2026

It's not always as simple as one figure on a tax return. 🤔

Depending on how your business is set up, lenders might look at salary, dividends, drawings, net profit, or a mix of these.

You may need to share things like accounts, SA302s, tax year overviews, bank statements, and proof of current income. 📄

Two years of accounts isn't always the full picture either. Some lenders need more trading history; others are happy with 12 months of accounts. It's all about knowing who's who!

Sole traders and limited companies get assessed differently too, so your business structure matters.

If your income has shifted recently, it's worth understanding how that might be viewed before you apply. 🔎

Thinking about a mortgage soon? Speak to us first and we'll talk you through it. 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

25/10/2026

Most new buyers put all their energy into the mortgage, the deposit and the monthly numbers. 🏠

Protection sometimes gets left off the list. 🤫

Here's the thing, your mortgage doesn't care if you're off work ill or unable to earn. It still needs paying.

If your household relies on two incomes, losing either one could make things tight fast.

Protection doesn't just stop at life cover either. It can include income protection if you can't work, or critical illness cover if you're diagnosed with a serious illness. 🛡️

You may decide on one type of protection or decide to cover all your bases by combining income protection, critical illness cover and life insurance.

We'll talk through the benefits of each to help you decide which suits your needs (and budget)!

Getting the keys to your first place is a good moment to check your cover actually matches your new situation. 🔑

Want to talk it through? Speak to us, no pressure, just a proper look at what fits you. 💬

22/10/2026

Trying to sort your mortgage? Let us do the heavy lifting! 💪🏼

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

20/10/2026

Saved your deposit? Great! But have you budgeted for the extra costs of buying a home? 🏡

Legal fees, surveys, valuations, stamp duty and moving costs can all add up quickly.

Make sure you’ve considered the full picture before taking the next step, so you can buy with confidence and avoid stretching your budget too far.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

19/10/2026

Some lenders will let you borrow up to 6x your income instead of the usual 4.5x. 📈

Sounds appealing, but more borrowing power isn't always a good thing.

A bigger mortgage means bigger monthly payments, so it's worth thinking about what actually feels manageable alongside your bills, savings, and everyday spending. 🔎

6x income also isn't something everyone qualifies for. It comes with its own set of criteria, so it's not just a case of asking for more.

The amount a lender offers you and the amount you actually want to commit to each month can be two very different numbers.

Our advice? Work out what suits your life, not just what you're able to borrow.

Want to talk through your numbers properly? Speak to us. 🏡

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Address

378 Brighton Road
Shoreham-By-Sea
BN436RE

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5pm

Telephone

+441273736536

Website

https://www.numberonemortgages.co.uk/

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