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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 Graham Griffin CeMap.
March 29th came and went, and months of uncertainty led to nothing - we didn’t leave the EU. But how has this affected the property market? We’re looking at the latest market trends and sharing our predictions for the summer.
The market is tired of waiting
Brexit might be delayed, but the property market has moved on regardless. According to the latest Nationwide House Price Index, property prices dropped by 0.2% in May. Essentially, now is a good time to buy. In fact, there has been a 10% reduction in prices over the past 18 months, however prices are predicted to increase nationally.
Source: https://www.reallymoving.com/news/by-date/june-2019
There’s more good news for buyers
Transaction rates are currently so low that lenders are now looking for new ways to encourage borrowing - one way is a change in how they are classifying expenditure. For example, instead of ranking a gym membership or music subscription as an essential item, these can now be seen as luxuries. Consequently, they can be removed from your outgoings; meaning you’re seen as being able to afford to pay more per month in mortgage repayments. And with this new approach, lending terms are now becoming much more favourable. However, things have been slower for homeowners looking to sell. Uncertainty over which Prime Minister candidate would be best for the property market might have played a part.
Speaking of which, one parliamentary decision has completely transformed the lettings market.
Lettings
On the 1st June, The Tenant Fee ban came into effect which means Tenants will only need to pay their rent and a deposit (of up to 5 weeks rent) to secure a property. Landlords will have to pay any agency fees.
This is great news for anybody looking to rent a property. Especially considering that the average deposit in England and Wales in 2018 was £1,110. However, we have started to see an increase in rent as a result of this.
Source: https://www.rightmove.co.uk/news/rental-price-tracker/
Landlords are also becoming less willing to take tenants with pets, given the cap on deposit amounts and therefore unable to compensate for potential damages.
But there are alternatives.
Zero deposit schemes can help tenants avoid other, sizable upfront letting costs. Instead of a deposit, they pay one week’s rent before moving in. This may sound enticing, but there are a few things to be aware of:
The one week fee is non-refundable.
Without a deposit, the insurance company can pursue tenants directly over damages and cleaning once they leave.
Some insurance companies will promise the landlord that they can get up to 12 weeks of rent back for the landlord.
This is still, undoubtedly, a huge step forward for tenants. However, it’s important to be mindful of the risks before deciding which avenue to take.
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.
