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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.
With Brexit, the budget, COVID-19 and changes to base rates, we’ve got a lot to report on this month.
Buying, selling and letting post-Brexit
Following Brexit, January and February saw a noticeable upturn in sales and general interest. With new-found assurance, buyers were acting with confidence, whilst sellers were also feeling ready to put their properties on the market.
The lettings market also had a steady start this year. Following Brexit, we saw a growing number of people decide to let their properties in Brighton and Hove. Furthermore, the quality of these houses and flats continues to be of a good standard. So whether you’re a landlord hoping to let or a tenant looking to rent, we’re in a great position to help.
House prices before and after the Brexit vote
Source: https://www.ons.gov.uk/economy/inflationandpriceindices
The coronavirus and the housing market
However, with many people having to self-isolate in light of the Coronavirus (COVID-19), we’ve seen fewer valuations and viewings. Following government guidance - and with the safety of the public and our staff in mind - we’re now working remotely. However, we are still available on the same number if you’d like to get in touch.
Importantly, measures have been taken to combat the outbreak’s economic effect.
The Bank of England cuts its base rate
In light of COVID-19, the Bank of England cut the base rate twice in March. It now sits at 0.1%, which is the lowest rate since the Bank of England was established in 1694.
This doesn’t necessarily mean that mortgage rates will drop. These are already at near-historic lows, especially on deals where homeowners have fixed their rates.. However, borrowers that are on a tracker rate will see an immediate benefit. What’s more, there are still some great mortgage deals available for home purchase, remortgage and buy-to-let.
There was also some good news for domestic buyers following the budget.
What the budget means for buyers
It was announced in the budget that non-UK resident buyers will have to pay an additional two per cent stamp duty. Because of the falling pound, UK housing had previously been more affordable to overseas buyers. However, domestic buyers have been contending with stagnant wage growth and ultra-low interest rates. Essentially, they were fighting a losing battle with prices and their ability to save. However, this extra two per cent should help level the playing field. This will take effect from April 2021. Furthermore, the Chancellor said the money raised from this tax will be used to fund 6,000 new homes for homeless people.
All in all, there are still plenty of reasons to feel optimistic about the property market in 2020. Whether you’re a buyer, seller, landlord or tenant, our friendly team is still here to help.
At Maslen Estate Agents Ltd, 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.
