Mortgage Broker in Bath

If you are a first time buyer in Bath looking to take the first steps onto the property ladder, our friendly team of mortgage advisors in Bath can guide you through the entire process.

We aim to make the mortgage journey as straightforward and stress-free as possible, helping to get you closer to receiving the keys to your ideal home.

Our mortgage advisors are not only able to inform you of the maximum amount you can borrow, but can also look to obtain an agreement in principle, providing you with a stronger bargaining position.

Typically, we are able to get you an agreement in principle within a day of your initial appointment.

Moving home in Bath can be one of the most nerve-wracking experiences of life, with a purchase and sale to organise simultaneously.

That’s why having a mortgage broker in Bath by your side can be invaluable.

We can handle all the mortgage-related details, freeing you up to concentrate on the move itself. We will be there to give you advice and answer any of your questions throughout the process.

As your mortgage term comes to an end, it can be a good idea to consider your options.

Our mortgage advisors in Bath can review your circumstances to determine which remortgage options will be most suitable for you.

Customers often decide to remortgage in order to release equity for home improvements, clear any outstanding debts, or to access better rates.

Our team is highly experienced in dealing with remortgaging and can offer expert remortgage advice in Bath. Book a free remortgage review and let us see how we can help.

Our mortgage advisors in Bath have had extensive knowledge when it comes to buy to let mortgages.

They are equipped to help you secure the most suitable mortgage product for what you are hoping to achieve.

We have had many landlords come to us in the past to add to their property portfolio or to remortgage a property they already have.

We have also provided assistance to those who wanted to let out their current property in order to fund the purchase of a new home. This is known as let to buy.

Are you looking to buy a property? Our mortgage advisors in Bath can look over your circumstances and see if you qualify for the government’s Help to Buy Scheme.

The maximum purchase price for a Help to Buy property depends on where in England you live, so to find out more, take a look at our services page or visit the Own Your Home website.

There is often a misconception that self employed applicants find it challenging to secure a mortgage.

However, by providing evidence of your salary, previous years’ accounts, bank statements, business operating costs, expenses, and proving that you can meet the monthly payments, you can increase your chances of being approved.

Our mortgage advice team in Bath has helped with many self employed mortgages, and they understand the criteria and what lenders are looking for.

Usually, you will be classed as self employed by lenders if you own 20-25% of your business. If you are a sole trader, your net profits will be assessed.

Generally, lenders will need information from you based on a certain period, so make sure you have a few years’ worth of data to improve your prospects of getting a mortgage.