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From whether it is worth investing in a new bathroom, to the best time of year to sell, we are always happy to give our advice. We also provide clear independent advice on mortgages, buildings or contents insurance, critical life cover or mortgage repayment protection.
We can provide fully independent advice on the best mortgage for you, with no obligation and no fee. Whether you're looking to move, release capital from your property or just get a better rate, we at Maslen can help.
With Maslen Financial Services, you get access to the whole market (excluding direct only deals) to recommend the most attractive mortgage, direct access to underwriters, budgeting advice, recommendations on a host of insurance policies and all this fee-free.
For your independent, fee-free, impartial advice, contact our independent advisor Stuart Gulvin today. You can also download our handy guide to homebuying and mortgages.
Having spent over 30 years in financial services, Stuart’s understanding of - and experience in - the industry is second-to-none. Specialising as a Mortgage Advisor, he provides expert advice for his clients. Crucially, this ensures that they’re always able to make the most informed decisions.
Whether they’re first time buyers, home movers or those looking to raise capital, Stuart is experienced in finding the best mortgage available. A strong relationship builder, he’s committed to sharing his knowledge throughout the mortgage lifetime.
Choosing the right mortgage is a decision which can have a massive impact on a homeowner’s life; Stuart will support you every step of the way.
39 Lewes Road, Brighton
East Sussex
BN2 3HQ
Opening hours:
| Mon | 8.30 - 6.00 |
| Tue | 8.30 - 6.00 |
| Wed | 8.30 - 6.00 |
| Thu | 8.30 - 8.00 |
| Fri | 8.30 - 6.00 |
| Sat | 8.30 - 5.00 |
David Maslen, trading as Maslen Financial Services, is an appointed representative of Best Practice IFA Group Limited. Best Practice is authorised and regulated by the Financial Conduct Authority. The registration number is 475260.
The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves.
To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Whether you are buying or selling your property, you will need to think about appointing a solicitor/conveyancer to manage the legal side of the transaction. This is called conveyancing and is the legal process involved in transferring ownership of property from one person to another.
Finding a reliable solicitor/conveyancer that will keep you updated on each stage of the process, not only makes a difference to your sale or purchase but also to your stress levels! Maslen Estate Agents has joined forces with two of the city’s leading conveyancing companies to ensure this process runs smoothly for you. We offer the following services and benefits:
On average, the conveyancing process takes between 8 to 12 weeks. This is because there are usually many different factors involved such as the chain and completion date negotiations, mortgage application process and Local Authority searches. Whilst these variables can affect the time it takes, you can get email updates, or your solicitor/conveyancer can keep you informed and updated.
You can use our mortgage calculator to help you estimate the size of mortgage you can afford and budget your move. To work out what your monthly mortgage repayments would be simply enter the amount you wish to borrow, the term in which you intend to pay it off and the interest rate.
If you’d like to discuss your options please contact our independent mortgage advisor Stuart Gulvin CeMap.
The market and Brexit
Undoubtedly, we’re in uncharted waters. So, when it comes to buying or selling, what should you do?
Essentially, keep calm and carry on.
Despite Brexit uncertainty, the Bank of England base rate is still at 0.75% - a record low. This is even more impressive considering that in the 1980s, the rate was as high as 15%. It’s true that no one knows how the Bank of England will react after Brexit. However, it’s hard to imagine these rates could get any lower (we've written more about the BoE base rate and borrowing money here).
And that’s not the only financial incentive for buyers.
Despite the climate, borrowers can still get great deals on mortgages. Five-year deals are available at a fixed rate of 1.54% - this is incredibly low. However, we’ve seen fewer transactions than in previous years and prices have reduced slightly.
Source: https://www.plumplot.co.uk/Brighton-house-prices.html
But sellers shouldn’t feel too alarmed. Even if your house sells for less than you had expected, your purchase should cost proportionately less.
And Brexit or no Brexit, Brighton and Hove will always be a desirable place to live.
There’s little room for expansion with the Downs one side and the sea on the other, so it’s unlikely that the city will be significantly affected by reductions in price.
Lettings
Meanwhile, this lack of space for expansion has produced a very competitive lettings market. As university accommodation grows, allowing more students to stay on campus, many properties have seen increased rents. However, properties that are being looked after by landlords are still being snapped up quickly. But this isn’t the case for those that haven’t been so well maintained.
Interestingly - and for the first time since we can remember - there are still houses in multiple occupations (HMOs) left in Brighton and Hove. Currently - and at the start of the academic year - there are around 300 of these properties left.
Source: https://www.rightmove.co.uk/news/rental-price-tracker/
So whether you’re buying, selling or renting, the message is clear: don’t let Brexit stop you. If it’s the right time in your life to move - go for it.
At Maslen Estate Agents, we put people before profit. That means using our expertise to find the right home, or the right buyer, for you – our customer. For sellers, we use our unrivalled knowledge of the local area to ensure your property goes for the right price, to the right person. Our completion rate is one of the highest in Brighton & Hove thanks to our agents being some of the longest serving in the area. We know how complicated selling a home can be, so we offer plenty of advice on the selling process and making the most of your property. And we can provide a free, no obligation market appraisal. For buyers, you can browse houses for sale in Brighton and Hove and flats for sale in Brighton and Hove to find properties that suit any budget. Our handy buyer's guide will tell you nearly everything you need to know about buying property, and we'll be there for everything else. We're dedicated to finding the perfect home for you, taking you through the entire process – from viewing to completion.
Click here to view our brochure.
