We are independent mortgage experts based in Hastings, East Sussex. Our advisers are not tied to a mortgage provider and we search the entire UK market to find the best mortgage product, with the most competitive rates, to fit your needs and requirements. Transparent Mortgage Services is Regulated by the FCA Financial Conduct Authority.
Contact UsWe are independent mortgage experts who specialise in all types of mortgage products and a range of financial services. Passionate about customer service, we provide helpful and unbiased mortgage advice and navigate the market to bring you the very best mortgage product with the most competitive rates.
No two mortgages are the same and your dedicated mortgage adviser will work directly with you, discussing your current situation and personal circumstances to gain an understanding of what you are looking for. Appointments are offered in person, virtually, over the phone or by email - whichever method you feel most comfortable with.
Flexibility is key to our service and we appreciate that 9-5 doesn't work for everyone, so wherever possible we will work around you. Our offices are based in Hastings and our friendly team of local advisers work with clients across East Sussex. With a wealth of experience in the financial sector, they offer a friendly and informative service that keeps you updated throughout the mortgage process.
Being independent means that we review all mortgage lenders and are not tied to a restricted set of mortgage providers on a panel. We will search the entire UK mortgage market to find the most suitable mortgage for you. Following our initial meeting we will research the market and present our findings to you. Your mortgage proposition will explain the proposed mortgage product and cover any questions you may have.
As your mortgage broker, we will update you throughout the process and take care of all the paperwork. Book you free consultation now!
Transparent Mortgage Services deal with a huge range of mortgage products from First Time Buyer Mortgages to High Value Mortgages.
First Time Buyer Mortgage - A mortgage is often the biggest financial commitment you will make. For first time buyers it can be an extremely daunting process as it will all be very new territory. We have helped many first time buyers in Hastings and East Sussex to get their foot on the property ladder, guiding them through the process and explaining everything in simple non jargon language. Typically a first time buyer will need to pay at least 5% of the purchase price of the property as a deposit - this is something we will discuss further during our initial meeting.
Buy To Let Mortgages - If you are purchasing a property with the intention of renting it out to tenants this is classified as buy to let. Hefty profits can be made if you are investing in this but you need to plan appropriately and weigh up the income with the costs. We are buy to let specialists and work with a diverse range of clients ranging from first time landlords to experienced landlords with property portfolios. We take the time to understand your requirements and find the best Buy to Let mortgage for you!
Remortgaging - If you are considering switching your mortgage from one provider to another this is called remortgaging. This is normally undertaken with the goal of reducing your monthly repayments on your mortgage, to clear debts or reduce the term of your mortgage. Releasing some of your home’s value is another reason and this can then be used for a number of purposes - from building an extension to funding a significant life event like a wedding.
High Net Worth Mortgages - High net worth is outlined by the Financial Conduct Authority (FCA) as a customer with earnings no less than £300,000 pa or net assets no less than £3 million. If this criteria is met lenders are permitted to loosen some rules, this can include affordability. What this results in is a more tailored and personalised mortgage product that fits your exact needs. Transparent Mortgage Services specialise in solutions to complex scenarios like these and have worked with a number of clients searching for a bespoke mortgage product.
Our mortgage services don't stop there - from Help to Buy, Interest Only, Shared Ownership all the way to Holiday Lets and Let to Buy. Connect with one of our experienced and friendly mortgage advisers now.
