     EXCELLENT  
  5.084 reviews

Mortgage Broker in Chichester

Hearthstone Mortgages is your trusted mortgage broker for Chichester. Covering the South Coast from our West Sussex base, we provide expert advice to buyers, landlords, and homeowners across Chichester and nearby areas.

Looking for a Mortgage Adviser in Chichester?

Hearthstone Mortgages is a 5-star rated, FCA-regulated broker supporting clients in Chichester, Tangmere, Fishbourne, and the surrounding PO19 and PO20 postcode areas.

Whether you’re a first-time buyer, experienced landlord searching for the best buy to let mortgages, or looking to remortgage, we provide whole-of-market access, strategic advice, and fast decisions, all tailored to Chichester’s unique market.

Chichester combines historic charm with modern growth, offering a healthy mix of properties. The average house price is £438,888, with flats averaging £288,742, terraced homes at £373,420, and semi-detached homes fetching £439,972. Despite market shifts, Chichester prices are 2% above the peak, showing resilient demand and strong long-term value.

Hearthstone Mortgages is a trading name of Hearthstone Advisory Ltd. Authorised and regulated by the Financial Conduct Authority (FRN: 945282). View on FCA register.

Why clients in Chichester trust Hearthstone.

Mortgages, but not as you know them;

Whole-of-market advice – independent, unrestricted lender access.
Same-day agreement in principle – get clarity fast, provided we have your full details.
FCCA, MBA, CeMAP & CeRER qualified team – high-level credentials, real experience.
Property investors advising property investors – we’ve done it ourselves.
Specialists in bridging, property development & equity release.
Award-winning, highly reviewed – verified 5-star Google ratings.
Olympic ambition, real-world results – we aim high, deliver better.
Film-producer founded – creative, not corporate.
FCA regulated & transparent – compliance meets clarity.

Mortgages completed in 2025.

532

Lending secured for our clients in 2025.

£ 87667390

Average mortgage secured for our clients.

£ 194094

Our Mortgage Services.

Residential

First Time Buyer Mortgages

Helping first-time buyers secure the right mortgage with tailored support.

Residential

Remortgaging

Find better rates or release equity with expert remortgage advice.

Residential

Home Mover Mortgages

Support for smooth transitions when buying your next home.

Residential

Equity Release Mortgages

Unlock property value with safe, FCA-regulated equity release options.

Investment

But to Let Mortgages

Specialist mortgages designed for rental property investments.

Investment

Commercial Lending

Finance solutions for offices, retail units, and business premises.

Investment

Limited Company Mortgages

Tax-efficient mortgage options for property-owning companies.

Specialist

Contractor Mortgages

Flexible mortgage solutions tailored to contractor income structures.

Specialist

Self Employed Mortgages

Clear mortgage advice for freelancers and business owners.

Specialist

High Net Worth Mortgages

Custom solutions for complex income and large mortgage needs.

Commercial

Bridging
Finance

Short-term finance to bridge property purchases and sales.

Commercial

Development Finance

Funding solutions for property construction or renovation projects.

Commercial

Auction Finance

Fast, reliable finance to meet auction purchase deadlines.

Let us find the best mortgage for you.

Speak with a specialist adviser who knows the Chichester market.

Want to get a head start? Download your credit report via Check My File, to kick start the process.

Chichester Property Market at a Glance.

Average property price in Chichester: £438,888.
Flats averaged £288,742.
Terraced properties sold for £373,420.
Semi-detached homes fetched £439,972.
Prices were 1% down year-on-year, but 2% above the 2022 peak of £430,485.

Source: Rightmove Market Trends, Chichester.

Supporting Our Local Community.

We’re more than advisers, we’re community partners:

Chalfont Otters Swimming Club – Premier Sponsor.
Beaconsfield Town FC – Main Sponsor.
Wycombe Wanderers FC – Community Partner.
Featured in Bucks Free Press and MSN News.

We don’t just serve Chichester, we help drive communities forward across the South Coast.
We also provide mortgage advice in nearby areas, including Bognor Regis, Portsmouth, Brighton, and many more.

Our Mortgage Advisers:

Meet the experts behind our success. Each adviser at Hearthstone Mortgages holds CeMAP or higher-level certifications, real property experience, and deep knowledge of specialist lending. This includes buy-to-let portfolios, bridging finance, equity release, and commercial lending.

Ajay Nayyar

CeMAP

Founder and Managing Director

Ajay is the Managing Director of The Hearthstone Group, who excelled in the mortgage advisory space leading him to founding Hearthstone Mortgages in 2019. In addition to being at the top of the game in the UK advising on mortgages, bridging loans, protection and more, Ajay has built his own property portfolio across the UK. He has spoken on numerous panels throughout his career to fellow investors and mortgage lenders, and is a highly valued spokesperson for one of the most active property networks around.

Ajay’s fuel for helping as many people as possible drives him to continue growing the Hearthstone brand making sure that the knowledge he and his team share with clients is invaluable, creating possibilities that seem unattainable.

When he’s not securing property dreams for himself and mortgage clients, Ajay can be found hanging around the film studios as an actor and multiple award winning producer with over 20 projects to his name.

Who is Ajay Nayyar?

Jamie Boxall

CeMAP

Specialist Mortgage & Development Finance Adviser

Jamie brings a unique edge to Hearthstone Mortgages, combining a deep understanding of property finance, construction, and investment strategy. Before joining the industry, Jamie spent several years working hands-on in the construction sector — giving him a practical, ground-level insight into how property really works.

As a buy-to-let investor and adviser, Jamie specialises in helping landlords, developers, and portfolio clients across the South Coast and South East secure finance for everything from single-unit lets to multi-million-pound development schemes.

Jamie’s advice is always direct, strategic, and rooted in real-world experience. Whether you’re navigating complex lending criteria or looking to scale your portfolio, Jamie works to cut through the noise and deliver results, not jargon.

He primarily supports clients in Chichester, Bognor, Portsmouth, Southampton, Brighton, Hove, Eastbourne, and across the GU, RH, KT postcodes in Surrey, as well as Bournemouth.

Let us find the best mortgage for you.

Speak with a specialist who knows the local market.

Want to get a head start? Download your credit report via Check My File, to kick start the process.

What our clients think:

      EXCELLENT  
   Based on 84 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Aamir Shahmeer 
 9 September 2026
 
 
  Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.
  
 
     Posted on Google  
  
 
   Sheikh Ahmad 
 27 August 2026
 
 
  "Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly.
As an first time buyer Thank you so much.
  
 
     Posted on Google  
  
 
   Isabel Giles 
 16 August 2026
 
 
  I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing.

One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive.

I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process
  
 
     Posted on Google  
  
 
   Manpreet Sanghera 
 10 August 2026
 
 
  A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj
  
 
     Posted on Google  
  
 
   Suraj Kareer 
 10 July 2026
 
 
  I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.
  
 
     Posted on Google  
  
 
   Shahid Hussain 
 30 June 2026
 
 
  I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.
  
 
     Posted on Google  
  
 
   W Amd 
 3 February 2026
 
 
  I really appreciate
Very quick response
Very professional
👍 sukhraj 👍
  
 
     Posted on Google  
  
 
   Manpreet Grewal 
 6 January 2026
 
 
  First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!
  
 
     Posted on Google  
  
 
   Rosina Kapoor 
 6 January 2026
 
 
  Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process.

Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.
  
 
     Posted on Google  
  
 
   azi choudry 
 20 November 2025
 
 
  I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Talk to a Mortgage Expert Today.

Just pop in your details and one of our expert mortgage advisers will personally reach out to help you take the first step.

Fast answers. Friendly advice. Free consultation.

Talk to a Mortgage Expert Today.

Just pop in your details and one of our expert mortgage advisers will personally reach out to help you take the first step.

Fast answers. Friendly advice. Free consultation.

Aamir Shahmeer

9 September 2026

Thank you very much, Sukhraj, for your assistance and advice regarding my first mortgage every step proceeded smoothly and without stress, and I highly recommend your excellent services.

Sheikh Ahmad

27 August 2026

"Five-star service from start to finish! Sukhraj Samra from Hearthstone incredibly helpful, always available to answer my questions, and explained every step of the mortgage approval clearly. As an first time buyer Thank you so much.

Isabel Giles

16 August 2026

I got in touch with Hearthstone as their reviews and ethos looked great. Unfortunately, even when just trying to arrange a short initial appointment with Ajay, I found the communication disappointing. One email where I provided my available dates and times wasn’t responded to for a week, and I only received a response after sending a follow-up email. After their reply, I again received no response for another week. By that point, thankfully, I had found another mortgage broker who was much more responsive. I appreciate that businesses can get busy, but based on my experience, I would be cautious about using Hearthstone if you’re on a tight timeframe or value prompt communication, particularly if you have questions throughout the mortgage process

Manpreet Sanghera

10 August 2026

A great supportive service provided by Sukhraj, I went to him with complicated circumstances but he was not phased and worked hard to source me the best deal and with added time constraints he achieved the result that I needed. I highly recommend Sukhraj and the team as everything is explained clearly and very transparent around charges. Thank you Sukhraj

Suraj Kareer

10 July 2026

I used Harri for my mortgage broker. There will be no going back, amazing service from start to finish. Pursued the lenders on my behalf and kept me informed in the whole process. Most importantly he kept me calm and relaxed during this stressful period. I will be using his services again without any hesitation.

Shahid Hussain

30 June 2026

I can’t thank Sukhraj Samra enough for all the help and support throughout my residential mortgage application. The whole process was explained clearly from start to finish, and any questions I had were answered quickly and professionally. Sukhraj kept me updated at every stage and made what could have been a stressful experience feel straightforward. Thanks to his dedication and expertise, I received my full mortgage offer. I would highly recommend Sukhraj to anyone looking for a knowledgeable, reliable, and trustworthy mortgage broker.

W Amd

3 February 2026

I really appreciate Very quick response Very professional 👍 sukhraj 👍

Manpreet Grewal

6 January 2026

First time I’ve used Hari and the whole experience was seamless and all went smoothly. He was very helpful and provided various rates that suited. Communication was first class and I will be using him again. Thank you Hari!

Rosina Kapoor

Hearth Stone Mortgages provides outstanding and highly professional service. From the very first day, Sukhraj took the time to understand my situation and clearly explained all the available options. He was always accessible, incredibly responsive, and went above and beyond throughout the entire process. Sukhraj is exceptionally knowledgeable, experienced, and supportive. I would highly recommend him to anyone looking for a reliable and expert mortgage advisor.

azi choudry

20 November 2025

I must say that Hearth Stone mortgages provide excellent and professional service. I’ve dealt with Sukhraj who is great when it comes to mortgages, I’ve dealt with several mortgage advisors over the years but he is levels above your standard mortgage advisor. Don’t waste your time with other mortgage advisors go to him and he will get your mortgage approved…

Mortgage Broker in Chichester

Looking for a Mortgage Adviser in Chichester?

Why clients in Chichester trust Hearthstone.

Our Mortgage Services.

Residential

Residential

Residential

Residential

Investment

Investment

Investment

Specialist

Specialist

Specialist

Commercial

Commercial

Commercial

Let us find the best mortgage for you.

Chichester Property Market at a Glance.

Supporting Our Local Community.

Our Mortgage Advisers:

Ajay Nayyar

Jamie Boxall

Let us find the best mortgage for you.

What our clients think:

Start WhatsApp Chat

Talk to a Mortgage Expert Today.

Talk to a Mortgage Expert Today.