What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

First Time Buyer Mortgages in Worthing

🔑 First-Time Buyer Mortgages in Worthing

Buying your first home in Worthing, Goring-by-Sea, Broadwater or Durrington? We’ll guide you from deposit planning to a full mortgage offer — and when a regulated recommendation is needed, we’ll connect you with an FCA-regulated adviser who understands your goals.

🛠️ Practical Help for First-Time Buyers

💰 Build a realistic budget around income, deposit and monthly spend
📊 Explain fixed, tracker and discount mortgages clearly
📝 Get paperwork right first time to avoid delays
📄 Arrange an AIP so you can move quickly on the right property

🪜 Routes onto the Ladder

📌 Fixed-rate: for predictable payments
📈 Tracker/variable: options that can change with rates
🏦 95% LTV: where criteria and affordability fit
🎁 Gifted deposits: and family-assisted options
🤝 Shared Ownership / First Homes: where available

💷 How Much Could You Borrow?

Many lenders assess around 4–4.5× income, flexing by deposit size, credit profile and outgoings. Bigger deposits normally unlock broader choice and better pricing.

📍 Local Notes

Worthing’s stock ranges from seafront apartments to 1930s semis in Broadwater and newer builds around Goring. Lease terms, service charges and EPC ratings can affect lender appetite and LTV — a tidy submission helps underwriting and valuation.

🙋 First-Time Buyer FAQs

💰 What deposit should I aim for?

5% can work; 10%+ typically improves rates and lender options.

📑 Can variable income be considered?

Yes — many lenders assess bonuses, commission or contractor income with evidence.

📄 Is an AIP essential?

Strongly recommended — it clarifies budget and strengthens offers.

🏢 Do leases/service charges impact borrowing?

Yes — they’re included in affordability checks and may reduce the maximum loan.

🚀 Next Steps

Ready to buy in Worthing? Share your plans and we’ll outline routes and connect you with an FCA-regulated adviser for personalised guidance.

⚠️ Important: We do not provide regulated mortgage advice. We act as an introducer and may receive a fee for successful introductions.

🧮 Mortgage Calculator for Worthing Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

Our calculator is designed to give you a clear idea of what your repayments could look like based on your loan amount, term, and interest rate — helping you make informed choices early on.

Ready to get started?
Visit our Mortgage Calculator page now and take the first step in your home buying or remortgaging journey.

Contact Us Today -0203 656 5182

Please feel free to complete our form and one of our friendly team will happily contact you.