Mortgages
First home, next home, remortgage or buy to let. I search a comprehensive range of mortgages across the market to find one that fits your circumstances, then manage the application through to completion.
Mortgage adviceMortgage, protection and equity release advice across East Sussex
One local adviser for your mortgage, your protection and your later life plans
I'm Kevin Hampton. From my office in Polegate I help first time buyers, home movers, families and homeowners over 55 across Eastbourne and East Sussex, face to face or over the phone.
- Rated 5 out of 5 on VouchedFor
- Equity Release Council member
- Mortgage adviser since 2017
Kevin HamptonMortgage, protection and equity release adviser01323 576130
What I can help with
Most people come to me with one question. Often it turns out there are two or three things worth looking at together.
Protection
Life insurance, critical illness cover and income protection, set up around your mortgage, your income and the people who rely on you. Protection advice is fee free.
Protection adviceEquity release
Lifetime mortgages for homeowners aged 55 and over, explained clearly and honestly, with your family welcome in every conversation. I'm a member of the Equity Release Council.
- How a lifetime mortgage works
- Clearing an interest-only mortgage
- What to weigh up
- Equity release calculator
You deal with me, from the first call to the day it all completes
I've been a mortgage adviser since 2017 and set up Hampton Home Finance in February 2020. I live in Eastbourne with my wife, our two children, a dog and a tortoise, and I work with people right across East Sussex.
There's no call centre and no being passed between departments. I do the research, I explain your options in plain English, and I keep you updated until the keys are in your hand or the funds have arrived. After that, I'll be in touch every year to check your arrangements still suit you.
I believe you have to build rapport and do a good job to gain trust, and that is exactly what I aim for in all cases.
Kevin Hampton
How it works
A no-obligation chat
We talk through what you're trying to do, by phone, video or face to face. It costs nothing and there's no pressure to go further.
Research
I look at your circumstances in detail and compare options from the lenders and insurers I work with.
A clear recommendation
You get my recommendation and the reasons for it, along with any fees, before you commit to anything.
Application to completion
I handle the paperwork and chase lenders, solicitors and estate agents so you don't have to.
Reviews every year
I check in each year and well before your deal ends, so you aren't left drifting onto a higher rate.
Good advice joins things up
A mortgage is usually the biggest commitment a household makes, and it rarely stands on its own. So alongside the rate and the monthly payment, I'll ask the questions a comparison website won't.
You decide what to act on. My job is to make sure you've seen the whole picture first.
- If one of you couldn't work for six months, how would the mortgage be paid?
- Does the mortgage term run past the age you'd like to retire?
- Could your family stay in the house if the worst happened?
- Later on, how would you like your home to fit into your retirement and what you leave behind?
Work out a monthly payment
Try different amounts, rates and terms to see how the payment changes.
For stamp duty, borrowing, overpayments, equity release and life cover, use the full set of mortgage calculators.
Your estimated monthly payment
For illustration only. Your actual payment will depend on the mortgage you take out and the rate you're offered.
Local advice across East Sussex
My office is on Station Road in Polegate, and I regularly help people in and around:
- Eastbourne
- Polegate
- Hailsham
- Bexhill-on-Sea
- Seaford
- Lewes
- Uckfield
- Brighton and Hove
Further afield? Telephone and video appointments work just as well.
Hampton Home Finance
49 Station RoadPolegate
East Sussex
BN26 6EA
Questions people often ask
Do you charge a fee?
There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but I estimate it will be £495 for a residential purchase or £795 for equity release. I'll confirm any fee in writing before you commit to anything.
Protection advice is fee free.
Can we meet face to face?
Yes. I offer face to face and telephone advice, and video calls if that's easier. Plenty of clients start with a phone call and meet once there's something to look at together.
When should I start looking at a new deal?
Ideally around six months before your current deal ends. Many lenders let you arrange a new deal several months ahead, and starting early gives you time to compare options without being moved onto your lender's standard variable rate.
Is equity release right for me?
It can be, but it isn't right for everyone. It reduces the value of your estate and may affect means-tested benefits, so I'll always look at the alternatives with you as well.
Talk it through with Kevin
Book a no-obligation call and we can work out what makes sense for you. Prefer to talk now? Give me a ring.