Buying your first home in Bexhill-on-Sea? We help first-time buyers in Bexhill, Sidley, Little Common and Cooden work out what they can borrow and find the right mortgage. You can meet us at our office in Bexhill, or by phone or video call.
Book a free 15-minute call or ring us on 01424 444597.
Many first-time buyers start with terraced houses and flats in Sidley and central Bexhill. Others look at flats in the Edwardian buildings near the seafront, or at newer homes to the north of the town. That area has grown since the Link Road to Hastings opened in 2015.
Little Common, Cooden and Old Town have more bungalows and family homes. These are often a second step, but some buyers start there with help from family.
Bexhill has a lot of retirement and age-restricted flats. They can look like good value. But they usually have a minimum age for residents, so a younger buyer may not be allowed to live there. Fewer lenders may lend on them, too.
Always check the age rules before you book a viewing. Other things we check early:
Bexhill has three railway stations: Bexhill, Collington and Cooden Beach. Trains run along the coast to Hastings, Eastbourne and Brighton, so some buyers live in Bexhill and work in a nearby town.
Speak to a friendly, expert Mortgage Adviser about your unique mortgage needs.
We'll search 1000s of products for the best mortgage and present our advice to you.
Your Adviser will complete your application, liaise with the lender and you, keep you informed until completion.
Each lender does its own sums. It looks at what you earn, what you spend each month and what you owe. A quick look at your credit file before you apply can help you spot problems.
Many Bexhill buyers get help from parents or grandparents. Some lenders may accept a gift towards the deposit. The person giving it may need to sign a letter to say it isn't a loan, and the lender may check where the money came from.
Stamp duty is less of a worry in Bexhill. As a first-time buyer, you pay nothing on a price up to £300,000. From £300,001 to £500,000, you pay 5% on the part above £300,000. Over £500,000, the relief is lost.
If buying outright is out of reach, shared ownership lets you buy part of a home and pay rent on the rest. A family-assisted mortgage is another route, where a relative's savings or home help secure your loan.
Buying a new-build? Your First Home is a new government scheme, but it isn't open yet. Applications are expected to open in February 2027. Read the official Your First Home guidance on GOV.UK or our guide to the scheme.
Your adviser is Russell Braiden CeMAP. Russell has been giving mortgage advice since 2011.
We're an independent broker. You can meet us at our office in Bexhill, or by phone or video call. You're also welcome at our Hastings office at 17 Havelock Road.
Visit our Bexhill mortgage advice page.
Our fee is £599. You only pay it once your formal mortgage offer is issued. Your first call and your quote are free.
Book a free 15-minute call or ring us on 01424 444597.
Usually not to live in, if you're under the minimum age set in the lease. Fewer lenders may lend on these flats as well. Check the age rules before you view.
Probably not. First-time buyers pay no stamp duty on homes up to £300,000. If the price is £300,001 to £500,000, you pay 5% on the part over £300,000.
There's no single answer. Each lender sets its own minimum, and some homes need more. Tell us what you've saved, and we'll show you what's possible.
Yes. You can see us at our office in Bexhill, or by phone or video call. Our Hastings office is another option.
Nothing until your formal mortgage offer is issued. Then our fee is £599. Your first call and your quote are free.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
Transparent Mortgage Services is a trading style of Transparent Financial Associates Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 925926). 17 Havelock Road, Hastings, East Sussex TN34 1BP. Telephone 01424 444597. Email info@tms-fs.co.uk.
