It's Free to Speak to an Advisor, 7 days, 8am - 10pm

Bristolmoneyman Mortgage Broker UK - M Shape

Mortgage Broker in Bath

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

0117 440 4704Speak to an Advisor - It's Free!
Malcolm Davidson - Managing Director of Bristolmoneyman

Mortgage Broker in Bath

& Surrounding Areas

It's free to speak with a mortgage advisor 7 days a week, 8am - 10pm

Speak to an Advisor - It's Free! 0117 440 4704

Looking for expert mortgage advice in Bath?

Getting the right mortgage can feel complex, but with the right support, it doesn’t have to be. Our role as a trusted mortgage broker in Bath is to take the pressure off and handle the hard parts, so your experience feels clear, calm, and fully supported from day one.

We’ll help you work out how much you could borrow, explore what fits your budget, and search through a wide range of mortgage deals to find the one that suits your personal and financial circumstances. With over two decades of experience, we know how to save you time and potentially money throughout the process.

You can reach us seven days a week, including evenings and weekends. Just book your free mortgage appointment online and choose a time that works best for you.

 

Speak to an Advisor - It's Free!
What can we help you with today?

Speak With a Mortgage Advisor in Bath - It's Free!

Every customer can start their journey with a free mortgage appointment. During your chat, you’ll speak with a mortgage advisor in Bath who understands your situation and specialises in the type of mortgage you’re looking for.

They’ll take the time to answer your questions and carry out a full affordability assessment. This involves looking at your income, outgoings, and financial commitments to build a clear picture of what you could borrow and what your monthly repayments might be.

Booking your free mortgage appointment is simple. You can do it online or by giving our team a call. There’s no cost, no pressure, and it’s a great way to get a clearer understanding of your mortgage options in Bath.

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What can we help you with today?

Looking to buy your first home in Bath?

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Getting your first mortgage is a major milestone, and we’re here to make sure the process feels clear, manageable, and well-supported from start to finish. As a first time buyer in Bath, you’ll be guided by an experienced mortgage advisor who understands exactly what you need to get started.

We begin by assessing your mortgage affordability, helping you understand how much you could borrow and what your monthly payments might look like. Your advisor will also explain the deposit requirements, typically between 5 and 10 percent of the property’s value, depending on your credit profile.

If you have a strong credit history, you may be eligible for competitive interest rates and a broad choice of products. If you’ve had credit issues in the past, we’ll talk through how that may affect your options and what lenders are likely to require, which can include a larger deposit.

Your first mortgage journey doesn’t need to feel overwhelming. Book your free appointment today and take your first step towards buying a home in Bath with confidence.

Thinking about moving home in Bath?

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When you’re planning a move, there’s more to consider than just the property itself. Your mortgage needs to move with you, and that’s where things can start to feel a little more complicated.

In some cases, it’s possible to transfer your existing mortgage to your new home, but not all lenders allow this. If porting isn’t an option, you’ll need to secure a new mortgage deal. On top of the logistics of moving, this can feel like one thing too many to juggle.

That’s where we come in. As your mortgage broker in Bath, we take care of the mortgage side of things so you can focus on the move itself. Our experienced advisors will look at what’s possible based on your current situation and help you find a new mortgage that suits your next home.

We’ll aim to make the process feel smooth and straightforward, offering honest advice and looking for the most competitive deal available to you.

Need a buy to let mortgage in Bath?

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If you’re a landlord looking for the right mortgage deal, it’s important to have a solution that works for both your property plans and your finances. Our role as your mortgage broker in Bath is to search the market for a product that fits your investment goals and supports your long-term strategy.

Whether you’re expanding your property portfolio or reviewing an existing one, our buy to let mortgage advisors are here to help. If you’re remortgaging, we’ll check whether your current deal is still competitive and explore your options for switching to something more suitable.

We also work with landlords applying for more specialist products, including HMO mortgages, let to buy, and holiday let mortgages in Bath. Whatever your setup, we’ll guide you through the process and help you move forward with clarity and confidence.

Is it time to remortgage in Bath?

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As your fixed mortgage term nears its end, it’s important to start thinking about your next move. If you don’t arrange a new deal in time, your lender will place you on their standard variable rate, which is usually higher and could increase your monthly repayments.

Remortgaging gives you the opportunity to avoid this change and potentially secure a better rate. We recommend reviewing your options around six months before your current deal expires. This gives your mortgage advisor in Bath time to assess the market and find a product that suits your circumstances.

There are many reasons to consider remortgaging. You might be looking to lower your monthly costs, raise funds for home improvements, consolidate debts, or release equity from your property. While some of these options may increase your mortgage term or repayments, they can provide short-term benefits that support your financial goals.

Whatever your reason for remortgaging, we’re here to help you explore the right options for your next step.

Self-Employed and looking for a mortgage in Bath?

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If you’re self-employed and exploring your mortgage options in Bath, the process is similar to standard applications, but it does involve a few extra steps. The key difference is that lenders will need more detail about your income and how consistently you earn it.

During your free mortgage appointment, your mortgage advisor in Bath will take a full look at your financial situation. This includes reviewing your accounts, tax returns, or SA302s to assess your mortgage affordability.

There are lenders who specialise in supporting self-employed applicants, including those with complex income structures or shorter trading histories. Our role is to search the market, including specialist lenders, to find the most suitable mortgage deal for your circumstances.

Whether you’re a sole trader, company director, or contractor, we’re here to make the process clear and straightforward.

Over 50 and thinking about a mortgage in Bath?

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If you’re over 50 and considering your mortgage options in Bath, our later-life lending team is here to help. Whether you’re looking to move, remortgage, or explore ways to release equity from your home, there are more choices available than you might expect.

Depending on your circumstances, you may still qualify for a standard mortgage. If not, there are specialist options to explore such as retirement interest-only (RIO) mortgages, term interest-only products, or even lifetime mortgages.

The best way to begin is by speaking with one of our dedicated mortgage advisors in Bath. We’ll take the time to understand your situation and talk you through the options that could work for you.

Book your free mortgage appointment online or give us a call to start your journey with clear, expert advice.

Curious about mortgage schemes in Bath?

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If you’re wondering whether there are mortgage schemes that could help you get on the property ladder or make your next move more affordable, you’re not alone. Many buyers in Bath explore government-backed and specialist schemes as a way to reduce their upfront costs or increase their borrowing potential.

From shared ownership to Right to Buy and First Homes, there are various schemes designed to support buyers with different backgrounds and needs. Some help reduce the deposit required, while others assist with affordability if your income is slightly below typical lending limits.

The tricky part is knowing which schemes you’re eligible for and how they actually work. That’s where we come in. Your mortgage advisor in Bath will talk you through what’s available right now and help you understand if one of these options could be a good fit.

Book a free mortgage appointment today and explore whether a scheme could help make your next move in Bath more achievable.

Can you get a mortgage with bad credit in Bath?

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Yes, having a less-than-perfect credit history doesn’t mean your options are gone. It simply means finding the right lender becomes even more important.

Whether you’ve had missed payments, defaults, CCJs or a previous bankruptcy, there are lenders who take a more flexible approach. They’ll look at your full financial picture, not just your credit score.

Your mortgage advisor in Bath will review your credit file with you, explain what options are available, and help you understand what deposit you may need. Typically, lenders may ask for a slightly higher deposit if your credit history has some issues, but we’ll do our best to find a product that suits your circumstances.

Need a Bridging Loan in Bath?

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If you’re buying a property and need access to short-term finance, a bridging loan in Bath could be the right solution. These loans are commonly used when you need to complete a transaction quickly, such as buying a new home before selling your current one, purchasing at auction, or funding urgent renovations.

Bridging loans are designed to cover a gap in your finances and are usually repaid once a longer-term mortgage is arranged or an existing property is sold. They are fast to arrange, flexible, and tailored for time-sensitive property scenarios.

Your mortgage advisor in Bath will explain how bridging finance works, assess whether it’s suitable for your situation, and guide you through the process from enquiry to completion. We’ll also make sure you understand the costs, repayment terms, and any risks involved.

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Our Simple 4-Step Process

Book Your Free Mortgage Appointment

Step 1

It all begins with a free mortgage appointment at a time that suits you.

You’ll speak with a friendly mortgage advisor in Bath who will learn more about your goals, explain how the process works, and carry out an initial affordability check.

We Search 1000s of Mortgage Deals

Step 2

Once we understand your situation, we’ll search through thousands of mortgage products to find a deal that fits your needs.

We work with a wide panel of lenders to make sure we find the most suitable option for your circumstances.

Your Application, Fully Managed

Step 3

If you’re happy to go ahead, we’ll prepare your mortgage application and submit it to the lender on your behalf.

A dedicated case manager will support you through each stage and keep you updated from start to finish.

Protecting You and Your Future

Step 4

We also take the time to talk through protection options that can support you and your mortgage.

Whether it’s life insurance, income protection or critical illness cover, we’ll help you stay financially secure no matter what lies ahead.

Reasons To Choose Us

Free Mortgage Appointment in Bath

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We offer free mortgage appointments to every customer, no matter your background or how complex your situation might seem.

From first-time buyers to portfolio landlords, we’ll listen carefully to your needs and help you understand your options without pressure or obligation.

It’s a chance to ask questions, explore what’s possible, and take the first step with the support of an expert who genuinely wants to help.

Access to Thousands of Mortgage Deals

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We search through thousands of mortgage products to find the right one for you, including options from both high street banks and specialist lenders.

Whether you’ve got a perfect credit record or need something a little more flexible, we’ll tailor our search around your financial goals.

With such a wide choice available, we’re confident we can find a deal that fits your circumstances and gives you a solid foundation for the future.

A Service Built Around Support

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At Bristomoneyman, our goal is to take the stress out of the mortgage process.

We’re here to guide you every step of the way, from your first appointment right through to completion.

You’ll receive clear, jargon-free advice and a dedicated case manager who will keep things moving and answer your questions throughout the process.

We also take the time to talk through important extras like mortgage protection and insurance, giving you peace of mind beyond the paperwork.

Here for You Seven Days a Week

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We know that life doesn’t stop for your mortgage.

That’s why our team is available seven days a week, including evenings and weekends, so you can speak to a mortgage advisor in Bath at a time that fits around your lifestyle.

Whether you need help during your lunch break, after work, or on a Sunday morning, we’ll be here when it’s convenient for you.

You’ll never feel rushed, overlooked, or left waiting in a queue.

Malcolm and Amy Davidson - Mortgage Advice in Bristol

Common Mortgage Questions in Bath

How much can I borrow for a mortgage in Bath?

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The amount you can borrow depends on several factors, including your income, outgoings, credit history, and deposit.

Most lenders offer between four and four and a half times your annual income, but this isn’t guaranteed.

If you have multiple sources of income or are applying jointly, your borrowing potential may increase.

During your free mortgage appointment, we’ll carry out a full affordability assessment to help you understand what lenders may be willing to offer.

This gives you a clearer idea of your price range before you start viewing properties in Bath.

What deposit do I need for a mortgage in Bath?

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A standard residential mortgage in Bath usually requires a minimum deposit of 5% of the property value.

However, having a larger deposit, such as 10% or more can open the door to better interest rates and a wider selection of products.

If you have a history of bad credit or are applying for a buy to let mortgage, lenders may ask for a higher deposit, often in the 15% to 25% range.

We’ll help you work out exactly what’s needed based on your situation and goals.

Can I get a mortgage in Bath with bad credit?

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Yes, it is possible to get a mortgage with bad credit, and we’ve supported many clients in Bath through similar situations.

Lenders will consider the type and age of your credit issues.

For example, a small missed payment from a year ago is viewed differently to a recent default or CCJ.

Some lenders are more flexible and specialise in helping those with adverse credit.

We’ll review your credit report with you, talk through your options, and recommend lenders that are most likely to accept your application.

What does a mortgage advisor in Bath do?

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A mortgage advisor acts as your personal guide through the entire mortgage process.

They’ll assess your financial position, search the market for a deal that suits your needs, and support you with everything from documents to submitting the application.

At Bristolmoneyman, your advisor is with you from start to finish.

We’ll explain complex terms in simple language, answer all your questions, and make the process feel manageable, even if your case is more complicated than average.

When should I get an Agreement in Principle in Bath?

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It’s best to secure an Agreement in Principle (AIP) before you start seriously viewing homes.

This document gives you an estimated borrowing figure based on a soft credit check and basic affordability review.

Estate agents and sellers take offers more seriously when an AIP is in place.

It shows that you’re ready to move and that a lender has provisionally agreed to support your mortgage application.

We can typically arrange your AIP within 24 hours of your free appointment.

What is a Mortgage in Principle?

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A Mortgage in Principle, also known as an Agreement in Principle or Decision in Principle, is a document from a lender stating how much they’re likely to lend you based on an initial assessment.

It isn’t a guarantee, but it’s an essential step when making an offer on a property in Bath.

Having one shows you’re serious, and it can give you a strong negotiating position if you’re competing with other buyers.

How long does a mortgage application take in Bath?

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Once your mortgage application is submitted, it typically takes between two to four weeks for a lender to issue a formal offer.

The timeline depends on factors like how quickly you provide documentation, the complexity of your case, and the lender’s internal processes.

We’ll keep you informed every step of the way and help ensure everything is submitted correctly to avoid delays.

Our aim is to move the process along smoothly and efficiently.

Can I port my mortgage when moving home in Bath?

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Porting allows you to transfer your existing mortgage deal to a new property.

Not all mortgages are portable, so we’ll need to check with your current lender.

If porting is available, you’ll still need to go through an affordability check and full application process.

In some cases, switching to a new deal could be more beneficial, especially if rates have improved since you took out your existing mortgage.

We’ll help you compare both options to see what works best for your move.

Should I use a mortgage broker in Bath?

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Using a mortgage broker gives you access to a wider range of mortgage products than you’d typically find by going direct to a bank.

We search across thousands of deals from both high street lenders and specialist providers.

Beyond that, we manage the entire process for you,  from affordability checks to submitting the application and liaising with the lender.

This can save you time, reduce stress, and increase your chances of approval, especially if your case is more complex.

What are the fees involved in a mortgage?

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There are a few costs to be aware of when applying for a mortgage.

These may include arrangement fees from the lender, valuation fees, legal fees, and potentially a broker fee.

Some products come with incentives such as free valuations or legal work.

We’ll provide a full breakdown of any fees before you commit to anything, so you know exactly what to expect and can make an informed decision.

Can I remortgage early in Bath?

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Yes, you can remortgage before your current deal ends, but you may face early repayment charges.

Sometimes, the long-term savings of switching early outweigh the penalties, especially if interest rates are rising.

We’ll review your mortgage, explain any fees involved, and help you decide if it’s worth switching now or waiting until your current deal ends.

Every case is different, and we’ll guide you based on what works best for your situation.

 

How do I get a mortgage if I’m self-employed in Bath?

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If you’re self-employed, the mortgage process is much the same, but lenders will ask for more documentation to confirm your income.

This usually includes one to two years of accounts, SA302s, or tax returns.

We work with a number of lenders who understand the nature of self-employed income, including limited company directors and contractors.

We’ll help you present your income clearly and match you with lenders who are more open to self-employed applicants.

What happens if I don’t remortgage when my deal ends?

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If you don’t remortgage before your fixed-rate deal ends, you’ll be moved onto your lender’s standard variable rate.

This rate is usually higher, which could mean increased monthly repayments.

Remortgaging in advance allows you to secure a better rate and potentially save money.

We recommend reviewing your options around six months before your deal expires to give yourself time to explore the best possible outcome.

What’s the difference between a fixed-rate and variable mortgage?

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A fixed-rate mortgage keeps your interest rate the same for a set period, giving you predictable monthly payments.

This is ideal if you want stability in your budgeting.

A variable rate mortgage, on the other hand, can go up or down depending on changes to the lender’s base rate or the Bank of England rate.

This type can offer lower initial rates but comes with more risk.

We’ll help you compare both options and choose what fits your financial plans best.

Can I get a mortgage on a buy to let property in Bath?

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Yes, we help many landlords in Bath secure buy to let mortgages, whether they’re new to letting or expanding their portfolio.

You’ll usually need a deposit of at least 20 to 25 percent, and lenders will assess the potential rental income as part of the application.

We also offer advice for more specialist cases, including HMOs, holiday lets, and limited company buy to lets.

If you’re a landlord looking for support, we’re here to help you find the right mortgage for your property goals.

We Search 1000s of Mortgage Deals in Bath

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Bristolmoneyman.com & Bristolmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.

Authorised and Regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.

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