Prosper Home Loans

Business Details

31 Years

experience

Your Trusted Mortgage Broker in St Leonards TN37

Prosper Home Loans has been a trusted name in mortgage advisory services for over two decades, dedicated to guiding clients through the complexities of home financing. Our team of fully qualified advisors combines extensive industry experience with a commitment to personalized service, operating seven days a week to accommodate busy lifestyles. As an independent, whole-of-market broker, we provide unbiased access to thousands of mortgage products tailored to individual needs. Our expertise spans first-time buyer schemes, self-employed mortgages, remortgaging, and later-life lending solutions.

With offices in Sussex and nationwide reach, we prioritise transparency, affordability, and technological innovation to deliver competitive rates. Our regulatory compliance with the Financial Conduct Authority ensures adherence to the highest professional standards, while our network of legal and conveyancing partners streamlines the home-buying process. We specialise in demystifying complex financial products, from equity release to specialist lending, while maintaining a client-centric approach that values long-term relationships over transactional interactions.

Services

First Time Buyer Mortgages Self-Employed Mortgages Remortgaging Services Lifetime Mortgages Buy to Let Financing Home Mover Mortgages Equity Release Schemes Bridging Finance Development Finance Commercial Property Loans

Details

Year established: 1995

Highlights and features

We offer 20+ years of mortgage advisory experience with CeMAP-certified experts
Our whole-of-market access covers thousands of UK mortgage products
We provide 7-day-a-week availability from 9am-9pm
Our advisors hold advanced qualifications including CeMAP and CeRER certifications
We maintain partnerships with specialist lenders for complex cases

Associations and certifications

Financial Conduct Authority (FCA)

Website

Update Listing

Services

First Time Buyer Mortgages

Specialist mortgage solutions for first-time property purchasers, including 5% deposit schemes and shared ownership options. We guide clients through Help to Buy initiatives while ensuring affordability assessments meet regulatory standards. Our advisors help navigate stamp duty implications and legal requirements for freehold or leasehold properties.

Self-Employed Mortgages

Tailored financing for sole traders, limited company directors, and contractors requiring non-standard income verification. We work with lenders accepting CIS vouchers, dividend-based income calculations, and 1-year accounts. Our expertise includes navigating tax-efficient business structures while demonstrating affordability.

Lifetime Mortgages

Regulated equity release products for over-55s, including fixed-interest lifetime mortgages with drawdown facilities. We provide FCA-compliant advice on inheritance tax implications and family consultation requirements. Our solutions help clients fund retirement needs while maintaining property ownership.

Buy to Let Financing

Specialist landlord mortgages for portfolio investors and first-time property investors. We arrange non-regulated products with flexible affordability criteria, including limited company buy-to-let structures. Our services cover HMO financing and portfolio mortgage strategies.

Remortgaging Services

Expert guidance on exiting existing mortgage deals to secure better rates or release equity. We handle portability requests, product transfers, and debt consolidation through second-charge loans. Our process includes free legal services and survey arrangements where available.

People

Paul McMath

Senior Mortgage Adviser

With CeMAP and CeRER qualifications, Paul specialises in complex mortgage cases and has over 15 years' experience in financial services. He focuses on helping self-employed clients and portfolio landlords achieve financing solutions.

John Moore

Lead Mortgage Consultant

John brings CeMAP and CeRER expertise to first-time buyer cases and equity release products. With 12 years in mortgage advisory, he specialises in later-life lending solutions and intergenerational financial planning.

Sam Nash

Buy to Let Specialist

As a CeMAP-qualified adviser, Sam focuses on property investment financing. He has particular expertise in limited company buy-to-let structures and portfolio mortgage strategies for growing landlords.

Daniel Bendle

Remortgaging Expert

Daniel specialises in mortgage switching strategies, with a focus on debt consolidation and equity release. His CeMAP qualifications support his work with clients seeking to optimise existing property assets.

Bhavesh Lalji

New Business Advisor

Bhavesh assists first-time buyers and home movers with mortgage applications. His expertise includes Help to Buy schemes and 5% deposit mortgage products, supported by CeMAP qualifications.

Questions

What mortgage options exist for self-employed individuals?

We offer tailored solutions accepting 1-year accounts, CIS vouchers, and dividend-based income calculations for sole traders, limited company directors, and contractors.

Can I get a mortgage aged over 55?

Yes, our FCA-regulated lifetime mortgages allow borrowing from age 55 with interest rolled up until property sale or death, including flexible drawdown options.

How do buy-to-let mortgages differ from standard residential loans?

Buy-to-let mortgages consider rental income for affordability, often require larger deposits, and have different tax treatments compared to residential mortgages.

What support exists for first-time buyers?

We provide 5% deposit schemes, Help to Buy advice, and shared ownership guidance while explaining stamp duty implications and government assistance programs.

Can I remortgage with bad credit?

Our specialist team works with lenders accepting adverse credit histories, though terms may reflect risk profiles through higher interest rates or additional requirements.

What is equity release?

Equity release allows homeowners over 55 to access property wealth without monthly repayments, through lifetime mortgages or sale-and-leaseback arrangements with regulated providers.

Reviews (7)

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Sophie Evans

Dec 05, 2021 Report

I've heard so many horror stories regarding purchasing a home. So many things can go wrong and it can cause so much stress. My experience was nothing like this!! The whole experience was a breeze and my mortgage was offered almost immediately. I used Ethan Gale and I would recommend him to anyone. He even came into work during his annual leave to sort something for me (complete diamond) An absolute credit to your firm and I advise anyone looking to purchase/remortgage to reach out to him!!

Claire Daynes

Dec 02, 2021 Report

An outstanding experience with this company. I spoke to Paul explained my situation. He listened to my requirements. Within a matter of days I received an excellent deal which will finally improve my life. The efficiency has been remarkable. I also received an offer in days. I would certainly recommend this company and if my situation changes I would definitely return as a customer. Thankyou.

David McMurdo

Nov 30, 2021 Report

Tracey has been absolutely fantastic throughout the process for me. As a first time buyer I had absolutely no idea what I was doing, she shared her wealth of knowledge and made the entire process straight forward and smooth for me. Would 100% recommend.

Dave Martin

Oct 05, 2021 Report

Paul has been incredibly helpful from the start of the process, answering all questions we have and guiding us through each step. He has responded to all emails and queries exceptionally quickly, making the whole process as stress free as possible. Ellie has also been on hand quickly when we have needed her, clearly explaining what was needed and when. We have been very impressed with Prosper Home Loans and would definitely recommend them and use them again in the future.

Dan Moisei

Oct 05, 2021 Report

Thank you to Prosper for helping me make my dream true.Paul MacMath ,Ellie and Matthew were absolutely amazing every step of the way and made my family happy.A long-awaited dream has come true.I had a pleasure to collaborate with a professional team who really know their job.I want to thank with all my heart the Prosper Home team,who supported me and help me all this way.I am really very satisfied that I had such a good people with me in the most important period of my life.They did a really great job.I wish you best of luck.I recommend with confidence.

Jez James

Sep 30, 2021 Report

Positive:Professionalism,Responsiveness,Value
Just used Prosper for the 2nd time in the last 3 years. Both times been excellent. Very knowledgeable and helpful. Certainly would never have got the deals I did without them. Many thanks to Ethan and the rest of the team.

Rachel Brooker

Sep 22, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
Fantastic service, used Prosper as a first time buyer and for a remortgage. Brilliant service, respond very quickly to any questions or queries and very professional. Would 100% recommend.