Mortgage Broker Bath
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Mortgage Broker Bath – how our local knowledge helps
If you are looking to buy a new property or secure a remortgage in Bath, House & Holiday Home Mortgages is here to help. We can support you at every stage of the mortgage process – and our local knowledge often proves useful too.
What does a local Mortgage Broker (in Bath) do?
Mortgage Brokers are financial professionals who specialise in mortgages and other property related products. We get to know you and your specific situation and explore mortgage deals to find the most competitive options.
We know from our customers that it helps to work with financial advisers who know the Bath mortgage market. We know the areas you’re looking to buy in, the estate agents that you’re dealing with and all the nuances of Bath and its unique appeal.
Whether you’re exploring city locations like Weston, Larkhall, Fairfield Park or Oldfield Park – or villages including Keynsham, Melksham, Beckington or Bradford-on-Avon – we’d love to help you buy a property you love.
What are the benefits of using a Mortgage Broker?
When you find a beautifully presented Bath property in your price range, you’ll want to put an offer in straight away. It helps to already know how much a mortgage lender will loan you, and ideally have an Agreement in Principle.
You might decide to go to your own bank – they know you and your finances well. The downside is that they can, of course, only sell you their own products which might not be too competitive.
Talking to a mortgage broker gives you a much broader picture. We are independent, and our Mortgage Advisors will know the lenders who are the most likely to accept you based on your personal financial situation. In addition, they will explore mortgage options across many lenders – both high street brands and specialist companies.
That way you have a much better chance of good interest rates and affordable repayments.
Not only do we do all the legwork and research, we help with the mortgage application process too. We will also help get you an Agreement in Principle which gives you credibility when you make an offer on a property.
What services does a Mortgage Broker offer?
A Mortgage Broker will help you with every stage of the homebuying process. We will help you explore any type of mortgage, whether you’re just starting out on the property ladder, are moving home, remortgaging, looking for equity release or seeking a Buy to Let mortgage or holiday let mortgage.
We’ll help you decide between a fixed rate, tracker rate, variable rate, interest only or capped product, depending on your specific situation. Once you have made your decision we’ll work with the loan provider to secure your mortgage offer.
Mortgages and insurance often go hand in hand, and there are a number of products that might help to protect you and your property in Bath. These mortgage protection products could include life insurance, contents and buildings insurance and income protection cover. We can help you compare options for these products too.
And, because we’re well established in the Bath area, we can also connect you with other local experts for anything that doesn’t come under our own list of services.
What are the benefits of using a Mortgage Broker local to Bath?
The House & Holiday Home Mortgages team knows Bath and its local areas well – we’ve worked with clients in the city for years. We can talk to you about the best areas and the most desirable streets and roads Bath has to offer – and also some ‘hidden gem’ locations too!
We also know the people within the Bath property market well. We’ll know if your conveyancing is taking longer than usual, where Help to Buy is available in the city, how much local services and experts might charge and lots more, thanks to our in-depth knowledge of Bath.
House & Holiday Home Mortgages is registered in England and fully authorised and regulated by the Financial Conduct Authority as an Appointed Representative. Our Mortgage Advisers are experienced, qualified and friendly and we make buying a home simpler. Contact our registered office today and start your mortgage journey with us.
Looking to buy a new property or secure a remortgage in Bath? House & Holiday Home Mortgages is here to help. We research, compare and advise on mortgages – with local knowledge too.
Looking to buy a new property or secure a remortgage in Bath? House & Holiday Home Mortgages is here to help. We support you at every stage of the mortgage process – and our local knowledge of Bath and surrounding villages proves useful too. Find out why a local broker is better than going to your bank.