Mortgage Brokers
Eastbourne
Your whole-of-market mortgage broker for Eastbourne homebuyers, landlords and businesses
Residential Mortgages
A residential mortgage is a loan secured against a home you live in or plan to live in. You put down a deposit, borrow the rest, and repay it with interest over an agreed term.
Eastbourne first-time buyers pay an average of £218,000, so a 10% deposit means saving around £21,800, and at that price first-time buyers pay no stamp duty. Whether you're buying your first home in Hampden Park, moving to Meads or remortgaging when your fixed rate ends, our advisers search the whole market and guide you through to completion, by phone, by video or at our Kings Hill office.
Buy-to-let Mortgages
A buy-to-let mortgage is a loan secured against a property you let to tenants. Eastbourne rents averaged £1,169 a month in August 2026, and with average prices slightly down on a year earlier, some landlords see an opportunity to buy.
Buy to let is one of our specialisms at MFB. We work with first-time landlords, limited company buyers, portfolio landlords and HMO investors, and we know which lenders suit each.
Later Life Mortgages
Many Eastbourne homeowners are planning for, or already in, retirement, and the town's population aged 65 and over grew by 12.1% between 2011 and 2021. Borrowing later in life is very different from borrowing at 30, and many high-street lenders have strict age limits.
Whether you need a mortgage that runs into retirement, want to remortgage later in life, or are helping family onto the ladder, our advisers know which lenders take a more flexible view of age and retirement income.
Bridging Finance
Bridging finance is short-term funding for time-sensitive property deals: auction purchases, breaking a chain, or refurbishing a property before refinancing onto a standard mortgage.
We help Eastbourne landlords, developers, businesses and homeowners weigh up the costs, timescale and exit plan before approaching lenders.
Buying property in Eastbourne
Eastbourne homes sell for an average of £255,000, down 1.6% in the year to July 2026. Here's what that means if you're buying:
- First-time buyers pay an average of £218,000, and pay no stamp duty up to £300,000.
- Home movers buying at the town average would pay £2,750 in stamp duty.
- Landlords buying an average £283,000 terrace would pay £18,300, including the 5% surcharge for additional properties.
- Rents averaged £1,169 a month in August 2026, up 1.1% in a year.
- Prices have eased over the year, with flats down 3.8%, which can mean more room to negotiate.
Sources: house prices (July 2026, provisional) and rents (August 2026) from the Office for National Statistics. Stamp duty calculated using HMRC rates for England.
The Eastbourne property market in numbers
1. House prices in Eastbourne
- All homes - £255,000
- Detached - £518,000
- Semi-Detached - £355,000
- Terraced - £283,000
- Flats and maisonettes - £175,000
- First-time buyer purchases - £218,000
Source: ONS, Housing prices in Eastbourne. July 2026 figures are provisional.
2. What stamp duty would you pay?
- A first-time buyer, average first-time buyer price of £218,000, would pay £0 in stamp duty
- A home mover to an average Eastbourne home at £2558,000, would pay £2,750 in stamp duty.
- A landlord, with an average terrace property at £283,000, would pay £18,300 in stamp duty.
Based on current SDLT rates for England. First-time buyers pay nothing on the first £300,000 and 5% on the portion between £300,000 and £500,000; above £500,000 the relief is lost and standard rates apply. Work out your own with our stamp duty calculator.
3. Buy to let in Eastbourne
Rents averaged £1,169 a month in August 2026, giving a typical £283,000 terrace an indicative gross yield of around 5%. The rent figure covers all property sizes, so your own yield will depend on the property and its location.
- Lower prices than a year ago: average prices fell 1.6% in the year to July 2026, and flats fell 3.8%.
- Steady rents: up 1.1% over the year to August 2026.
- Seaside and commuter demand: Eastbourne has direct trains to Brighton and London Victoria.
4. Borrowing later in life in Eastbourne
Eastbourne's population aged 65 and over grew by 12.1% between 2011 and 2021 (ONS Census 2021). If you're borrowing into retirement, remortgaging later in life or downsizing, lender age limits and how they treat pension income make a big difference to your options, and that's where whole-of-market advice helps.
Learn more about your mortgage options:
What our clients say…
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Calculators
Our mortgage calculators help Eastbourne buyers and landlords see how much they could borrow, what their monthly repayments might be and how much stamp duty they'd pay. They're a guide only; to secure a rate, speak to our team.
How much can I borrow? Buy-to-let Homebuyer Repayments Stamp Duty EPC Bridging
Mortgage Repayment Calculator
Enter a few details and get an indication of what your monthly mortgage costs could be.
Areas we serve in Eastbourne
We help homebuyers, landlords, businesses and later-life borrowers right across Eastbourne with residential, buy-to-let and later life mortgages and bridging finance. Most Eastbourne clients work with us by phone and video, and you're welcome to meet us at our Kings Hill office.
We support clients throughout Eastbourne, including:
- Eastbourne town centre
- Meads
- Old Town
- Upperton
- Ratton
- Hampden Park
- Langney
- Sovereign Harbour
- Willingdon
- Polegate
- Stone Cross
- Pevensey Bay
CONTACT US
You can find us here
42 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4AJ
0345 345 6788
Why choose MFB
For more than 35 years, MFB has helped homeowners, landlords and commercial borrowers make informed mortgage decisions.
We provide:
- Whole-of-market mortgage advice
- Product transfer and remortgage comparisons
- Residential mortgage expertise
- Buy-to-let mortgage expertise
- Commercial finance expertise
- Dedicated adviser support
- Assistance from enquiry through to completion
Most importantly, we'll help determine whether a product transfer is genuinely the right option or whether a remortgage could save you money in the long term.
Meet your mortgage makers.
Talk to an expert
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Frequently Asked Questions
Do you have a mortgage advisor in Eastbourne?
How much deposit do I need to buy in Eastbourne?
Is Eastbourne a good place for buy to let?
Will I pay stamp duty on a Eastbourne home?
Can I get a mortgage in retirement?
Can you help with buy-to-let mortgages?
Do you offer commercial mortgage advice?
Can you help with bridging finance?
How do I get started?
Ready to find your mortgage
The quickest way to find the right mortgage is to speak to someone who understands your situation. Please submit your contact details below to request a call back from one of our qualified mortgage brokers. If there is a particular date or time that you’d prefer to be contacted, please let us know in the message box.