An Essential Guide to Protecting Your Home and Family

Caz Blake-Symes • September 11, 2025

Bristol, Bath and Exeter Mortgages Online always recommend a Fully Protected Mortgage

As an experienced  Mortgage Broker, we are not only mortgage specialists, but we can also access a huge selection of providers for your insurance protection needs too.


Many banks and building societies, and estate agents are “tied” to one insurer, and therefore cannot compete with a specialist like us on cost or benefits, as they only offer one product. This is a complex area and, in our view, is sometimes a more important decision than the mortgage. Whereas a mortgage deal may only last two or three years, the right protection could last the whole term!

We therefore offer a personal consultation with you and one of our experienced advisers to discuss your individual requirements to enable us to provide the personal recommendations to best suit your needs and circumstances.


Click here to download our Essential Guide to Protecting Your Home and Family.


Please visit our Useful Guides Page on our website for other helpful information.


For further information, please visit the  Protection  & Insurance section of our website



How to Contact Us for Advice

Phil Clark will personally deal with your enquiry

Tel 0117 325 1511

Email info@swmortgages.com

Complete a form via our website www.bristolmortgagesonline.com


Please remember: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Your First Key to the Door: Why Bristol Mortgages Online is the Perfect Partner for First-Time Buyers

By Caz Blake-Symes • April 11, 2026
Taking that first step onto the property ladder is one of the most exciting milestones of your life—but let’s be honest, it can also feel like navigating a maze blindfolded. Between deposit requirements, credit checks, and legal jargon, the process is daunting.

Why Interest Rates Are Rising Again

By Caz Blake-Symes • March 26, 2026
Recent global developments, including escalating tensions in the Middle East, have started to influence financial markets and, in turn, UK mortgage rates. Understanding how these events filter through to borrowing costs can help you make more informed decisions.

Remortgaging vs. Product Transfers Our Guide

By Caz Blake-Symes • March 17, 2026
If your current mortgage deal is coming to an end, you’ve likely started hearing the words "remortgage" and "product transfer" thrown around. In today’s shifting economic climate, making sure you are on the best possible mortgage rate is more important than ever.

Understanding Mortgage Affordability in 2026

By Caz Blake-Symes • February 16, 2026
we enter 2026, mortgage affordability remains one of the biggest concerns for homebuyers and homeowners alike. With interest rates, living costs, and lending criteria continuing to evolve, understanding what lenders look at when assessing affordability is more important than ever.

First home, faster with My First Mortgage from Santander

By Caz Blake-Symes • February 9, 2026
On 3 February, Santander are the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.

Check out our January 2026 Newsletter!

By Caz Blake-Symes • January 19, 2026
This month’s edition is packed full of informative articles, including • Welcome and overview from Phil Clark • Base rate cut to 3.75%: what could it mean for mortgages? • Interest-Only Mortgages For Later Life. • Need Short-Term Property Finance? • What You Should Know About Second Charge Mortgages • Time to Remortgag

Thinking of Moving or Changing Your Mortgage in 2026?

By Caz Blake-Symes • January 6, 2026
Image courtesy of Freepix Happy New Year! Hope you all had a good Christmas Break and avoided the dreaded coughs and colds. I had the opportunity over the holiday to review many of the various property and finance reports available online, as well as those to which I subscribe. Pleasingly, the general tone is very opti

Season's Greetings from Phil Clark

By Caz Blake-Symes • December 20, 2025
I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026

Base rate cut to 3.75%: what could it mean for mortgages?

By Caz Blake-Symes • December 18, 2025
The Bank of England meets every six weeks to decide what should happen to interest rates, with the aim of keeping inflation to its target and keeping the wider economy healthy. Today, Base Rate was cut from 4% to 3.75%.

House Price Index: November 2025

By Caz Blake-Symes • December 8, 2025
With the Budget uncertainty now lifted, buyers and sellers can return to making decisions about their next move. Removing the threat of a new annual property tax from 210,000 homes for sale will help revive market activity in higher-value areas. However, the lack of any stamp duty reform means homebuyers will continue