About us

Based in Brighton & Hove, we prioritise personal connections to understand your financial needs. Whether you’re local or nationwide, we’re here to provide tailored advice through in-person or virtual consultations. With expert guidance and a dedicated team, we make achieving your financial goals smooth and stress-free.

Personalised Financial Advice Wherever You Are

As a local company, we mainly advise clients in the Brighton & Hove and Sussex area. We believe you need to build relationships with clients to understand their needs and nothing beats face-to-face advice. We do, however, have clients all over the country and are happy to discuss your needs wherever you are located and whatever your circumstances. We are also happy to travel to you if necessary and appropriate. Ww are also happy to arrange meetings on video calls i.e. via Microsoft Teams/Zoom if preferred. We are totally flexible to everyone’s individual preference and needs.

We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client.

We understand that everyone’s different, and that’s why our financial planning approach is as individual as you. We know the financial side of life can be complex and that’s why we work hard to get to know you and your aspirations through careful life planning and consultation. We then provide quality advice services and practical pathways to help you achieve the life you want.

With us, progress means development. Financial and life planning that helps you to navigate life’s financial complications, free of financial ambiguity and safe in the knowledge that the professional team is at your side, every step of the way.

Our team are happy to meet on a day, time and location most convenient to you, with no obligation to you. These meetings are usually arranged by prior appointment.

We have a dedicated and experienced administration team in our offices in Hove who are available to provide you with regular updates on the progress of your application to enable you to feel in control at all times. They also liaise with the lender, your solicitors and estate agent, ensuring a smooth, stress and hassle-free experience.

Please contact us for a free consultation. We look forward to hearing from you. We would love to help you with your finances and mortgage requirements.

Meet Your Team

Dedicated to You & Your Financial Needs

Paul Little

Adviser & Business Development

paul@sussexmortgageservices.co.uk

As one of the founding Directors of the Sussex Mortgage Services, I have two main roles, one is managing the company ensuring we always offer the best possible services to our clients and the other is advising our clients on their mortgage and insurance needs.

Prior to founding Sussex Mortgage Services Ltd, I enjoyed a long and successful career in the Financial Services industry beginning in 1985, having worked for several recognised financial institutions including Barclays Bank, Cheltenham & Gloucester (Lloyds TSB), Halifax, Norwich Union, and then as a self-employed Financial Adviser since 2000.

Outside of work I enjoy going to football, playing golf, listening to music and spending time with my family & two grandchildren.

Paula Little

Office Manager & Client Services

paula@sussexmortgageservices.co.uk

As well as one of the founding Directors of the Sussex Mortgage Services, my main day to day roles are as Office Manager and Client Services, which ensure all our clients are looked after and provided with the best possible service. In addition, I am also responsible for the general day to day running of the office and compliance procedures.

Prior to co-founding Sussex Mortgage Services, I spent 27 years at Barclays Bank in a number of management roles, then as a property manager with a local estate & lettings agent.

Outside of work I love spending time with my three daughters and my beautiful two grandchildren.

Our Fees

Free Initial Consultation and Transparent Fees

We offer a FREE initial ‘no obligation’ financial review and costs of moving consultation with unlimited advice & follow on calls/emails up to full engagement.

Before you start looking for a new property to purchase or look to review your existing mortgage, we will assess your personal circumstances and requirements in detail to ensure we can assist you with your mortgage needs. Once you are happy with our FREE initial advice and want to engage our full advice services, we then charge a fee.

Residential Mortgages

The fee for our mortgage advice services is £695 for Residential mortgages, of which £350 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate. We will then provide you with a detailed table of choices of interest rates and options available to you. The balance of £345 is payable upon full application of your agreed preferred lender and interest rate type. We then liaise with the mortgage lender and provide you with regular updates to ensure the successful issue of a formal Mortgage Offer agreement and continue to monitor through to successful completion.

Buy to Let

Our fee for Personal Residential Buy to Let is £895, of which £550 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate and £345 is payable upon full application of your agreed preferred lender and interest rate type.

Limited Company Buy to Let

Our fee for Limited Company Buy to Let mortgages is £1195, of which £650 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate and £545 is payable upon full application of your agreed preferred lender and interest rate type.

Secured Personal Loans

Our fee for Secured Loans is £695, of which £350 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate and £345 is payable upon full application of your agreed preferred lender and interest rate type.

Bridging Loans

Our fee for Bridging Loans is £995, of which £550 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate and £445 is payable upon full application of your agreed preferred lender and interest rate type.

Commercial Mortgages

Our fee for Commercial Mortgages is £1495, of which £950 is payable to commence our full research of the whole market to find you the best suited and most competitive mortgage interest rate and £545 is payable upon full application of your agreed preferred lender and interest rate type.

Our admin team will continue to provide you with back office support from application all the way through to successful completion of your property purchase, liaising with your Estate Agent (where applicable), Solicitor and mortgage Lender, to ensure a smooth and stress free experience.

As part of our after-sales support and care service, we will contact you at regular intervals to ensure that you will always receive the most competitive financial services products to meet your requirements and needs.

Research and Analysis

Expert Mortgage Advice Tailored to Your Needs

SMS specialise in providing independent whole of market Mortgage Advice, ensuring that our clients receive the best advice at all times. Our fully qualified and experienced mortgage specialists have access to the latest online mortgage placing facilities, ensuring our advice is always up to date.

Whether you are seeking a mortgage for your new home or investment property, or simply wish to review your existing mortgage to determine its competitiveness, we have the experience and resources to help you find the mortgage that best matches your needs and circumstances.

As we are not part of a ‘specific mortgage network’ we also have access to and are able to offer exclusive rates and products that are generally not available to other adviser firms or high-street lenders.

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