No Obligation Consultation

Mortgage and financial protection specialists based in Brighton & Hove

We have strong professional relationships with a variety of agents, solicitors and surveyors within the Brighton & Hove area.

 Our services Contact us
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Our Company
MV1 Mortgages Ltd provides clients with Trusted Expert Mortgage & Protection advice to best suit your individual requirements. With access to over 85 different mortgage lenders we are here to save you both time and money by comparing the right products for your circumstances.

We take a bespoke approach to you & your personal circumstances to ensure the best possible solution is provided to you. With years of experience as a Mortgage Professional, strong professional relationships with a variety of selling agents, solicitors and surveyors we feel we are 'The go-to Mortgage Broker' for all your Mortgage & Protection requirements.
We search 1000's of mortgage deals across a large number of lenders, including...
MV1 Mortgages Ltd works with a comprehensive range of mortgage providers, from your high street banks and building societies to your niche lenders that take into account special circumstances or properties.
Our services
Mortgages
Protection
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Residential mortgages

Whether you are a first time buyer, re-mortgaging, self-employed, a home mover or anything in-between, we are the perfect support for you.

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Investment Mortgages

We can help you secure buy-to-let, let-to-buy, re-financing, HMO mortgages and can help and advise you if you are a portfolio landlord.

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Specialist Mortages

We have many different specialist mortgage options available to suit a wide array of different scenarios and use cases. Speak to us today!

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Life Insurance

Life insurance is a contract between you and an insurance company. In exchange for regular payments...

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Critical illness Cover

Critical illness cover is a type of insurance that provides a tax-free lump sum payment if you're diagnosed...

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Family Income Benefit

Income protection is a type of insurance designed to help you maintain your lifestyle if you're unable to work due...

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Income Protection

Family Income Benefit (FIB) is a type of term life insurance designed to provide your loved ones with a regular...

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MV1 Mortgages Ltd
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About Us
Frequently asked questions for MV1 Mortgages Ltd

  • How long does the process of buying a property take?

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    An average time frame for buying a property in the UK is between 15-20 weeks

    This can be affected by the number of links in the chain of and whether any of these links is broken during the process.

    A no chain buyer and no onward chain seller can finalise transaction within 6 weeks.

    Other factors include the tenure of property being purchased, title complications or should any lease variations be required.

    It should also be noted that Auction Property purchases are subject to different timelines and a deposit being paid with 48 hours.

  • Is there anything I can do to help my credit rating in preparation of buying, re-mortgaging or moving home?

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    Yes - 5 things would be:

    • Keep credit checks to an absolute minimum, a comparison site which performs multiple credit searches is a real no no.
    • Your Mortgage application will involve an affordability assessment which reviews your credit commitments - if you want to buy a new sofa for your new home and pay monthly via a credit arrangement this monthly payment will be factored into your application - wait until after you have keys if you can.
    • If you hold a credit card(s) take a look at the utilisation of the available credit limit - a high usage in % terms can affect your credit score. Try to keep usage to under 50%.
    • Avoid short term borrowing facilities such as Klarna.
    • Invest in Experian or similar monthly so that you can provide your credit file to Mortgage Broker and keep an eye on your score and the accuracy of the information held on your finances and borrowing. This also allows you to take a measure of protection against any fraudulent activities and act swiftly if needed.

  • What are the benefits of having a Mortgage Broker?

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    • A mortgage professional should be able to advise on the full costs of moving making sure that there are no nasty surprises at a later stage in the process.
    • Save you time on researching and reviewing each lender individually for available mortgage products, mortgage affordability and also lender criteria - cross referencing this against your circumstances and the property to be used as security for your mortgage loan.
    • Recommend you the most cost effective product that you are eligible for - likely saving you money on mortgage interest.
    • A mortgage professional will have both the knowledge & experience to ensure that the lender applied to will accept your income type to calculate and maximise your mortgage options if required.
    • This is particularly relevant for anyone that earns additional pay such as overtime, commission, bonuses, banked pay, Contractors, Construction Industry Scheme workers or Limited Company Directors.
    • You are less likely to overpay on a property if you have the guidance of a property expert in your corner.
    • Once you come to make offers on properties of interest - the Agent selling the property can with your permission confirm your ability to proceed directly with the broker.
    • If the broker has a great reputation and is known to the agency then that could enhance your chances of having your offer accepted.
    • Once accepted the broker will of course get to work on making your application as swiftly as possible.
    • Most applications at MV1 Mortgages Ltd are at offer within a week - this should keep your stress to a minimum and if you are buying a property having a Mortgage Offer early in the process can re-enforce your reliability as a buyer for the seller and the Estate Agent.
    • An Experienced broker can recommend solicitors from client feedback & their own experience that will be able a provide the service type needed.
    • A Knowledgeable broker can guide you with re-mortgage conveyancing paperwork
    • A Communicative broker can be on hand to talk you through any difficult moments during the process and advise you on what to expect - via phone, email, text or WhatsApp
    • A Pro-Active broker will have a Plan B in mind should there be a down-valuation of the property that affects either the loan or product applied for
    • A Client Focused broker will support you in negotiations should your buyer look to re-negotiate your sale price and look to provide a suitable realistic solution.
    • An Efficient broker will after you have received your Mortgage Offer should the lender decrease their interest rate and you are eligible - amend your product - saving you money on mortgage interest.

  • At what stage in the process should I book an appointment?

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    As soon as you decide that you plan to buy, move, remortgage or invest - this ensures that you protect your time and energy from looking at the wrong price range for your circumstances.

    For re-mortgages generally 6 - 7 months before the end of your current product rate. That way you have time to digest the information and evaluate your options - you can also protect yourselves from rate increases.

  • At what stage in the process should I secure an Agreement in Principle(AIP)?

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    • Before you decide to step into a property
    • This will give you the confidence that you can afford to buy the property
    • Both the seller & their selling agent will want to know that you are able to afford the price they want to achieve.
    • If you make an offer without an AIP and 2 others also make the same offer but both have an AIP you have to ask yourself who you would be more inclined to sell to

  • Why MV1 Mortgages Ltd?

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    • Both Knowledgeable & Experienced
    • Efficient & Effective
    • Friendly
    • Pro-Active in providing Solutions
    • On your Team - with your interests as our Focus
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