Business Details
21 Years
experience
Expert Mortgage Advisers in Eastbourne
Established in 2005, Sovereign Financial Planning provides independent mortgage and protection advice sourced from the entire market. Our team of experienced professionals specialises in tailoring solutions for first-time buyers, home movers, re-mortgagors, and buy-to-let investors. We prioritise a holistic approach, ensuring clients receive clear, jargon-free guidance throughout the property journey. As an appointed representative of In Partnership, authorised and regulated by the Financial Conduct Authority, we adhere to stringent compliance standards. Our fee-free service is funded directly by lenders or insurers, ensuring transparency. With over 18 years of combined experience, our directors Clive and Catherine Norman lead a dedicated team committed to client satisfaction.We focus on demystifying mortgages, explaining true costs beyond interest rates, and offering protection solutions like life cover and income protection. Our local expertise in Eastbourne and surrounding areas ensures clients benefit from market-specific insights. We maintain regular client communication, providing updates at every transaction stage. Our holistic philosophy extends to budgeting advice, helping clients account for council tax, utilities, and other household costs alongside mortgage commitments.
Services
Mortgage Advice
Protection Insurance
First Time Buyer Support
Re-Mortgaging
Buy to Let Mortgages
Details
- Year established: 2005
Highlights and features
- We provide truly independent mortgage advice from the entire market
- Our holistic approach considers individual financial circumstances and household costs
- Fee-free service funded directly by lenders or insurers
- Directors with 25+ years' combined experience in financial services
- FCA-authorised firm ensuring regulatory compliance and client protection
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
We provide independent mortgage advice from the entire market, helping clients navigate true costs beyond interest rates. Our experts assess individual circumstances to find suitable solutions for first-time buyers, home movers, and investors. With access to exclusive fee-assisted packages, we ensure transparent guidance through valuation fees, arrangement costs, and repayment terms.
Protection Insurance
Our protection insurance services include life assurance, critical illness cover, and income protection tailored to individual needs. We help clients safeguard against financial risks through bespoke policies considering household costs and future obligations. Our advisers compare market options to ensure competitive premiums and appropriate coverage levels.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice considers rental income potential and property investment goals. We guide clients through capital appreciation strategies, tax implications, and lender criteria for investment properties. Our service includes letting agent referrals and suitability assessments for rental market viability.
Re-Mortgaging
We advise on re-mortgaging options to secure better rates or release equity for home improvements, debt consolidation, or investments. Our process includes evaluating early repayment charges, legal fees, and fee-assisted packages. We compare secured loan alternatives and current lender offers to determine optimal solutions.
First Time Buyer Support
Tailored support for first-time buyers includes affordability assessments, budgeting for stamp duty and solicitor fees, and agreement-in-principle documentation. We explain mortgage types, help calculate monthly commitments alongside council tax and utilities, and provide confidence-building guidance for initial property purchases.
People
Clive Norman
Director and Mortgage Adviser
With 25+ years in financial services, Clive provides straightforward mortgage advice. He transitioned to independent status in 2002 after working with multinational firms, combining regulatory expertise with practical client-focused solutions.
Catherine Norman
Co-Director and Office Manager
Catherine oversees daily operations and client communications. With extensive local customer service experience, she ensures smooth mortgage processing and maintains the firm's administrative excellence since its 2005 establishment.
Dominic Legg
Mortgage Adviser
Qualified since 2017, Dominic offers practical property purchase guidance. His prior estate agency experience informs client support through complex transactions, maintaining regular updates throughout the mortgage process.
Vincent Choi
Administrator
Vincent coordinates lender and solicitor communications after transitioning from Sussex Police. He supports clients through transactions while pursuing mortgage adviser qualifications to expand his service capabilities.
Questions
What mortgage services do you offer?
We provide whole-of-market mortgage advice for first-time buyers, home movers, re-mortgagors, and buy-to-let investors, including capital-raising and fee-assisted packages.
Are your services truly fee-free?
Yes, we don't charge client fees as we receive payment directly from lenders or insurers, maintaining transparent cost structures for all mortgage transactions.
How long does the mortgage process take?
Re-mortgaging typically takes 4-6 weeks, while first-time purchases involve variable timelines depending on transaction complexity and legal processes.
Do you offer protection insurance advice?
Yes, we provide life assurance, critical illness cover, and income protection solutions tailored to individual circumstances and household financial obligations.
What areas do you cover?
Based in Eastbourne, we serve East Sussex and surrounding areas, combining local market knowledge with nationwide mortgage expertise.
