Brighton contractors — the digital and creative coast.
Brighton is the heart of the South Coast's digital and creative economy — "Silicon Beach" — packed with software developers, designers, marketers and media freelancers, many working for London clients while living by the sea. With high property prices and lots of self-employed income, Brighton contractors need lenders that read a day rate or net profit correctly. As a whole-of-market, FCA-authorised brokerage, we place Brighton and Sussex contractors and freelancers.
Why Brighton contractors need a specialist
Brighton's freelance-heavy digital and creative economy means lots of day-rate and self-employed income against high property prices. Specialist lenders assess the contract or net profit — and stretch borrowing where needed — rather than demanding years of accounts, which suits Brighton's independent workforce.
Sectors we see most in Brighton
Software and web developers, designers and creative freelancers, and marketing, media and gaming contractors. See IT contractors and sole traders.
High prices, self-employed income
Brighton prices are among the highest outside London, so borrowing often needs to stretch — see high day-rate contractors. Freelancers with one year's figures aren't ruled out — see one year's accounts.
We work with Brighton contractors remotely
No office visit needed — we advise by phone, video and email around your work. See the areas we cover.
Lenders we place Brighton contractors with — a selection
Lender guides: Halifax · Barclays · HSBC · NatWest · Nationwide · Accord · Clydesdale · Yorkshire BS · Kensington See how we place cases →
Contractor Mortgages in Brighton, answered
Can I get a mortgage as a freelancer in Brighton?+
Yes. Specialist lenders assess your day rate or net profit rather than years of accounts, whether you're in software, design or media.
I've only got one year of self-employed accounts — any options?+
Often yes. Several lenders accept one year's figures, and contractors can use a day rate instead.
How much can I borrow given Brighton prices?+
Usually 4.5–5× your annualised day rate or a multiple of net profit, and more with multiple-stretching lenders given the high prices.
Do you cover the wider Sussex area?+
Yes, we cover Brighton, Hove, Worthing and the wider Sussex coast, advising remotely.
Do I need to meet in person?+
No. We advise Brighton contractors and freelancers by phone, video and email.