Buying your first home in Hastings or St Leonards? We help first-time buyers work out what they can borrow, find the right mortgage and get from offer to keys. Our office is at 17 Havelock Road, in Hastings town centre.
Book a free 15-minute call or ring us on 01424 444597.
Hastings has a wide mix of homes. Many first-time buyers start with Victorian terraces in Ore, Clive Vale and Silverhill. Others look at flats in converted period houses in St Leonards, or at ex-council homes in Hollington and Broomgrove.
Some of these homes need a little more care when you get a mortgage:
We check these points before you make an offer, so there are fewer surprises later.
Trains from Hastings run to London Charing Cross and Cannon Street through Tunbridge Wells. Trains also run along the coast to Bexhill, Eastbourne and Brighton.
Some buyers work in Tunbridge Wells or London and choose Hastings because their money goes further here.
Lenders look at your income, your monthly spending and any debts. They also check your credit file, so it's worth looking at yours early.
Your deposit matters too. A bigger deposit usually gives you more choice. If family are helping, some lenders may accept a gifted deposit. They may want a signed letter and proof of where the money came from.
Self-employed or working bank shifts? See our pages on self-employed mortgages and mortgages for NHS and bank-shift workers.
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.
First-time buyers pay no stamp duty on the first £300,000. You pay 5% on the part of the price between £300,000 and £500,000. If the price is over £500,000, first-time buyer relief does not apply.
So for a lot of flats and smaller houses in Hastings and St Leonards, a first-time buyer pays no stamp duty at all.
Shared ownership is another way in. You buy a share of a home and pay rent on the rest. Family can also help through a family-assisted mortgage.
The government's Your First Home scheme is for new-build homes. It isn't open yet. Applications are expected to open in February 2027. See the Your First Home page on GOV.UK, or read our Your First Home scheme guide.
Your adviser is Russell Braiden CeMAP. Russell has been giving mortgage advice since 2011.
We're an independent broker in Hastings town centre, a short walk from the station. You can come into the office, or we can do it all by phone or video.
Find out more about our mortgage advice in Hastings.
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.
It depends on the lender and the home. Some lenders may accept a small deposit, and a bigger deposit usually means more choice. We'll show you what your savings could open up.
Not on the first £300,000. You pay 5% on the part of the price between £300,000 and £500,000. Above £500,000, the normal rates apply to the whole price.
It may be possible. Some lenders avoid flats above shops, but others may be happy to lend. We'll check the flat with you before you make an offer.
Yes. A gifted deposit is common. Some lenders also offer family-assisted mortgages. Each option has different risks for your family, so we explain them clearly.
Our fee is £599, and you only pay it once your formal mortgage offer is issued. Your 15-minute 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.
