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Phil Clark's Mortgage Blog

by C BLAKE-SYMES 22 Sep, 2017

All the team at Bristol Mortgages Online are thrilled to have been chosen as a “Best Business of 2017” for Mortgage Brokers in Bristol, by Three Best Rated.

We received this great news via an email last week stating

“Congratulations! You are now listed as one of the Top 3 Mortgage broker in Bristol. We would like to Thank You for providing consistent high quality in your area of business. Our review team either approved or updated your business listing using our 50-Point Inspection which includes everything from checking reputation, history, complaints, ratings, satisfaction, trust and cost to the general excellence”

Three Best Rated® was created with a simple goal to find potential customers and clients the top 3 local businesses, professionals, restaurants and health care providers in any city. Their specialist employees handpick the top 3 local businesses. They check business's reputation, history, complaints, ratings, satisfaction, trust, cost, general excellence using our 50-Point Inspection. They display only businesses that are verified by their specialists.

Please click here to see our listing

If you would like to book a free consultation to see why we have been chosen as the Best Mortgage Broker in Bristol and why we also have over 100 5-star Google reviews, please contact us today

For expert advice and more information or to book your FREE consultation please visit one of our websites, call or email.

You will reçoive equally outstanding service from our two Sister businesses in Bath and Exeter

Bristol Mortgages Online     www.bristolmortgagesonline.com           Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com              Tel 01225 584 888

Exeter Mortgages Online     www.exetermortgagesonline.com           Tel  01392 690 888


by C BLAKE-SYMES 13 Sep, 2017

Bristol, Bath and Exeter Mortgages Online are delighted to launch their first newsletter.

The newsletter is called “Mortgage & Protection News” and contains interesting and up to date reports in each issue.

This issue includes articles of interest from First time buyers through to Buy to Let Investors.  In particular is a piece regarding dispelling some of the myths regarding Protection.

If you are an existing client or considering using us for the first time, please visit one of our websites and read through one of our 100 5-star Goggle Reviews to discover why our customer value the service we offer and come back to us time and time again.

Please click here to view or download our Autumn edition of “Mortgage & Protection News”

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

Bristol Mortgages Online     www.bristolmortgagesonline.com          Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com   Tel 01225 584 888

Exeter Mortgages Online        www.exetermortgagesonline.com     Tel  01392 690 888

Or email info@swmortgages.com

 

by C BLAKE-SYMES 06 Sep, 2017

Complex buy-to-let lending changes, due to come into force shortly, could result in a 'surge' of rental stock going back on the market for sale, says Portico.

Adapted from a Zoopla article by Nicky Burridge September 4, 2017

What’s the latest?

New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let. The Prudential Regulation Authority (PRA) is tightening up the way lenders assess applications from landlords with four or more mortgaged properties. Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage.

As a result, if some of their properties do not generate enough rent to cover mortgage repayments under the so-called stress test, they may have their application rejected. Industry commentators have warned the rules could lead to landlords raising their rents and selling off unprofitable properties. Although the new rules are not due to come into force until the end of September, some lenders have already adopted them.

Why is this happening?

The rules are being introduced to ensure lenders have a full picture of a landlord’s financial exposure, in a bid to avoid riskier lending. The buy-to-let sector has been on the Bank of England’s radar as a potential threat to stability for some time. The PRA has previously introduced a tougher stress test, under which rental income must be equivalent to at least 125% of mortgage interest at a nominal rate of 5.5%, with many lenders imposing a higher level of 145%.

Who does it affect?

The move is likely to be bad news for landlords and tenants alike. Not only is it likely to be harder for landlords to qualify for a mortgage under the new rules, but they will also face a significantly higher administration burden, having to provide a full breakdown on the rental income for all their properties, a business plan and cash flow projection.

Mark Lawrinson, regional director of estate agent Portico , says: “We may see a surge of rental stock come back on the market for sale as landlords look to offload their weakest performing properties in order to get further lending on more potentially profitable properties.  The rules could also lead to an increase in rents, as landlords look to cover any shortfalls".

Meanwhile, there is speculation the new criteria could lead to some lenders ceasing to advance mortgages to portfolio landlords due to the higher level of work involved in assessing their suitability.

What’s the background?

The rule changes are the latest in a series of alterations to impact buy-to-let landlords. They come after the Government introduced a 3% stamp duty surcharge for those buying an investment property or second home.

There has also been a reduction to mortgage interest tax relief, and the 10% ‘wear & tear’ allowance has been abolished. The changes are making it harder for buy-to-let investments to be profitable, causing some landlords to stop adding to their portfolios, while others are exiting the sector altogether, exacerbating the current shortage of homes to let.

Top 3 takeaways

  • New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let
  • The Prudential Regulation Authority (PRA) is introducing new rules on the way lenders assess applications from landlords with four or more mortgaged properties
  • Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

Bristol Mortgages Online     www.bristolmortgagesonline.com           Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com             Tel 01225 584 888

Exeter Mortgages Online     www.exetermortgagesonline.com           Tel  01392 690 888

Or email info@swmortgages.com

 

by C BLAKE-SYMES 28 Aug, 2017

This is an article updated on 7th August 2017 taken from the moyfacts.co.uk website. Money Facts has a great reputation and describes exactly the service that we offer as a fully Independent Mortgage Broker.

What does a mortgage broker do that you can't? And why should you pay for their services when there are already loads of other costs when moving home or remortgaging?

If you're asking yourself these questions, it can be more than tempting to cut out the middleman. However, you may want to think twice. Mortgage advice, from a reputable broker, can be an invaluable service – and here's why…

  You're protected

An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not up to scratch, you can complain and be compensated.

In contrast, if you go directly to a high street mortgage lender, don't take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse. (However, under the rules of the Mortgage Market Review, it's the lender's responsibility to ensure affordability – so even if you buy direct, you could have some recourse. Nonetheless, a broker can still offer a valuable layer of protection.)

A mortgage broker is qualified

There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find!

Mortgage brokers have to be qualified to give you mortgage advice, whereas you may not get that kind of guarantee if you ring up a lender's call centre. That said, new regulations mean that all call centre staff need to be advisers or must refer you to someone who is, and if you went in-branch, you'd be able to arrange an appointment with one of their mortgage advisers.

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and would be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

They know the industry

Mortgage criteria have tightened massively over the last few years, with the Mortgage Market Review being the latest, and arguably widest-ranging, development. It's been designed to ensure borrowers can prove affordability, even in the event of a rate rise, and those extra checks have understandably increased application times.

That's why it's so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they'll know what the application process is like for each one and can tell you which lender can process your application with minimal delays. They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.

Then there's the fact that, because a mortgage broker may put a lot of business to a particular lender in a year, they can exert influence and chase things in a way you just can't do by yourself – and that can be invaluable should things get held up.

It's not just about the mortgage

A mortgage broker won't just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have.

They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:

  • Death
  • Critical illness (such as cancer, heart attack or stroke)
  • Redundancy

Don't be put off by a fee

Mortgage advice tailored to your situation is a service. In order for the mortgage broker to be able to offer this service, they need to make money.

They do this by one or both of the following:

  • Charging a fee. This could be a one-off fee for advice, or a fee that pays for advice throughout the term of your mortgage (if you need to remortgage, move home, etc.).
  • Commission. Lenders and insurers may decide to pay the mortgage broker commission for putting your business their way.

Where can I find out how much my mortgage broker makes?

Mortgage brokers are required to provide you with a Key Facts document about their services that details any fees or commission they charge or earn.

You will also be provided with a Key Facts Illustration (KFI) about the specific mortgage being recommended. Details of your broker's fees can be found in section 8 of the KFI. Details of any commission earned by your broker for introducing your business to the mortgage lender can be found in section 13 of the KFI

The value of advice

Mortgages are a lot more difficult than they first appear. Knowing what rate, term, lender, features and insurance to get are all time-consuming and complex matters.

Comparing mortgages on a site like Moneyfacts.co.uk is a good place to start – it's great to get an idea of what's out there. But choosing a mortgage is a process far more complicated than simply opting for the lowest rate or the best incentives.

A mortgage broker takes your whole circumstances into account to recommend a suitable product, and it's that thorough, professional look at your finances that makes advice well worth paying for.

Extra Information about us….

Bristol Mortgages Online, Bath Mortgages Online and Exeter Mortgages Online, are completely Independent Mortgage Brokers, we deal with the Whole Market. We offer a FREE initial Consultation, should you wish to proceed with the advice and recommendations given, our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Mortgages and Equity Release products will vary. Our fees include full administration and progressing support, from our fully qualified team, right the way through to completion.

For more information or to book your FREE consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.co m


by C BLAKE-SYMES 21 Aug, 2017

Bristol Mortgages Online are based at Henleaze House in North Bristol. We have been here for three and a half years and also use it as our Head Office for our sister businesses, Bath Mortgages Online and Exeter Mortgages Online.

We think we’re in a great location as most of our clients don’t want the hassle of driving into the City Centre of Bristol, or Clifton and then have trouble parking. We can offer free parking either in the car park or on one of the local streets. Our Admin and Progressing team are also based here so it’s incredibly convenient to drop off any documents or have a chat if you have any queries.

We deal with clients from far and wide, but many of our new clients live in Henleaze, Westbury on Trym, Stoke Bishop and Redland. A lot of clients come to see us straight from work, as we are open until 7.30pm. For those working at Air Bus, Rolls Royce or Aztec West we are conveniently located along Southmead Road just off Wellington Hill West. Recently we have been helping numerous staff based at Southmead Hospital as we are literally 5 minutes away.

For many clients either working shifts, or with young families it is not so easy to come to us, so we are more than happy to come and see you at home.

If you would like to book a free consultation with us you can find us at Henleaze House, Henleaze, Bristol BS9 4PN. Our other branches are located at Bath Mortgages Online, The Guild, High Street, Bath, BA1 5EB and Exeter Mortgages Online 37a Fore Street, Topsham. Devon, EX3 0HR

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email i nfo@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 09 Aug, 2017

We are absolutely thrilled to have just received our 100th Google Review and every single one is 5-stars!!

Having highly satisfied clients and an excellent reputation is key to our philosophy not only here at Bristol Mortgages Online but also with our other businesses in Exeter and Bath.

Many of our new clients come to us as they have been recommended. Our excellent 5- star reviews both on Google and Facebook give potential clients the reassurance that we are nice people to deal with!

We are always overwhelmed by the lovely comments.  Our MD Phil Clark often receives accolades from clients, as do our other Mortgage Advisers. However, often it is both Kamila and George who get a special mention, as clients are so grateful for the amazing progressing service they provide, leading to a smooth and efficient completion.

Some of our most recent reviews include:

PR They made the process so simple for us and put us immediately at ease, which made it a really simple process of picking the right mortgage for us.

DB  Fantastic and friendly advice over the last 7 years, highly recommended have saved me a small fortune.

 JM As a first time buyer I was a bit clueless about the mortgage process and have found Paul Kelly and team to be exceptionally helpful. Paul arranged everything for me and was able to answer my many questions, making the experience completely smooth and stress free. Highly recommend Bristol Mortgages Online.

DG I am very grateful and pleased with the service that I get from Bristol Mortgages Online colleagues Paul and Kamila. It was a very good service and it was a stress free experience.

  f you would like to read more of our Google Reviews please click here 

To book a FREE CONSULTATION with one of our Expert Mortgage Advisers please call 0117 325 1511                                          or visit www.bristolmortgagesonline.com

by C BLAKE-SYMES 26 Jul, 2017

We are delighted that this month we celebrate Paul Kelly, our Senior Adviser, being with us for 3 years.

Paul joined us just a few weeks after we moved into Henleaze House. Paul is a fantastic Adviser and as can be seen from the numerous 5-star Google and Facebook reviews he receives, our clients appreciate the great job he does too!

A few examples of the praise he receives are:

Excellent service! I wanted to remortgage and my adviser Paul Kelly was fantastically helpful and efficient. He found a good deal for me and was helpful and supportive from start to finish. The whole operation seems to run really well. Good value for money too - worth every penny! Highly recommend.

Myself and my wife are both first time buyers and thought it best to get some professional help. Our advisor Paul Kelly was fantastic from start to finish, where we had hurdles, Paul helped us to work through them and find the best mortgage that suited us. Can't recommend these guys enough.

Cannot recommend these guys enough! Quite possibly wouldn't have got our house if it wasn't for them! Paul really went the extra mile for us and I would recommend him to everyone buying a house, particularly for the first time! Made a very stressful process so much easier and got us on the ladder.

Our clients are always delighted with the expert advice Paul gives them, ranging from First-time Buyers, clients wishing to move house or remortgage through to experienced Buy to Let Investors.

In particular clients appreciate the fact that although Paul is based at our Head Office in Henleaze House, he frequently meets clients in their homes of an evening, or in the case of our business clients at their offices.

Congratulations from all the team at Bristol, Bath and Exeter Mortgages Online- you’re a great chap to work with!!

If you would like to book an appointment with Paul Kelly or any of our Advisers please call

 0117 325 1511 for Bristol, 01225 584888 for Bath or 01392 69888 for Exeter.

 

 

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by C BLAKE-SYMES 21 Jul, 2017

As Independent Mortgage Brokers, we are not only mortgage specialists, but we can also access the whole market for your insurance protection needs too, including Critical Illness Cover, Life Insurance and Income Protection.

Many banks and building societies and estate agents are “tied” to one insurer, and therefore cannot compete with an Independent specialist like us, either on cost or benefits as they only offer one product. This is a complex area, 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 a life time!

We therefore always offer a free face to face consultation with you. One of our experienced advisers will discuss your individual requirements to help us with our personal recommendations.

We have listed below a brief description about Critical Illness Cover. Please feel free to call us and we will arrange an appointment with you at home, or at our offices in Bristol, Bath or Exeter.

What is critical illness cover?

Critical illness insurance will pay out if you get one of a number of a specific medical conditions or injuries listed in the policy. But be aware that not all conditions are covered and policy will also state how serious the condition must be.

Most policies will also consider permanent disabilities as a result of injury or illness. A critical illness policy only pays out once and then the policy ends. Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.

What is not covered?

Some serious illnesses might not be covered, for example, some cancers and conditions not listed in the policy. You probably won’t be covered for health problems you knew you had before you took out the insurance, and this type of insurance does not pay out if you die. What’s covered and what’s not, will be set out in the policy details so make sure you’re fully aware of them and that they cover your needs. We guide you through all the considerations to find the right policy to meet your needs.

Do you need critical illness cover?

State benefits might not be enough to replace your income if something goes wrong. If you’re eligible, welfare benefits range from around £70 a week to just over £100 a week, depending on your circumstances (i.e. whether or not you have children, a certain level of savings, or if your partner works).

Critical illness cover could be considered if:

  • you do not have savings to tide you over if become seriously ill or disabled
  • you do not have an employee benefits package to cover a longer time off work due to sickness

Who does not need it?

You might not need it if:

  • you have enough savings to fall back on and can adequately cover expenses such as bills, loans, medical costs or a mortgage.
  • you have a partner who can cover living costs and any shared commitments, like a mortgage
  • ·You might already have some cover included in other products or work benefits.

How much does it cost?

Your monthly payments will depend on a number of factors, including:

  • age
  • whether you smoke or have previously smoked
  • health (your current health, your weight, your family medical history)
  •  job (some occupations carry a higher risk than others and may mean you have to pay more each month)
  • the amount of cover you take out

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com  0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 06 Jul, 2017

Although thinking about organising a remortgage can feel like a hassle, the good news is that mortgage rates are now at their lowest ever levels and by switching to a better deal, you could find your monthly repayments come down significantly – particularly if you've built up a decent amount of equity in your home. So, if you are soon to remortgage, let Bristol, Bath or Exeter Mortgages Online help you through the whole process from the initial quotation through to completion.

When should I apply for a new mortgage?

You should think about applying for a new mortgage two to three months before your existing deal comes to an end. It can take a month to get an offer from a mortgage lender (though this can sometimes be quicker) and an offer will typically be valid for three months or to a specific completion deadline.

Due to the fact that we are wholly independent, we will examine the mortgage market for you. We deal with many lenders over and above High Street lenders and those found on comparison sites. Many exceptionally competitive and flexible lenders only deal with Mortgage Brokers, like ourselves. As with anything financial, it pays to shop around and compare what the different providers are offering.

Once we have discussed all the options available to meet your specific needs and have recommended the most suitable mortgage product we will arrange to get you an Agreement in Principle from the lender, we will then help you to complete your application from and will see the mortgage through to completion.

How easy is it to remortgage?

If you're not moving home, switching to another mortgage will be more straightforward. We will help you to assess how much you can borrow, and this will depend on how much equity you have in your home, what your income and outgoings are, and your credit rating.

When you apply for a new mortgage, it can be tempting to bump up the term again, perhaps back to 25 years to keep repayments down. But Instead, if you can afford to, reduce the term of your mortgage to say 20 years. That way you'll save yourself five years' worth of interest.

However, be aware that reducing the length of your mortgage will increase your monthly mortgage repayments. For example, if you had a mortgage of £150,000 on a rate of 2.5%, you'd pay £673 a month over a 25-year term, but £795 a month over a 20-year term.

What will it cost to remortgage?

Some lenders will charge a booking or processing fee to secure a mortgage, typically around £100 - £150. Many mortgages also come with product fees which can cost anywhere from £500 to £2,500. Bear in mind it may be work out cheaper to opt for a mortgage with a higher interest rate but lower fee than one with a lower interest rate and higher fee. Our Advisers will give you a full illustration to show you all the benefits and pitfalls of every option.

Your new lender may charge a valuation fee for commissioning a valuation of your property (typically £300-£400). You'll have to pay legal fees to your solicitor, though you may find your lender covers some of this. Fees will vary depending on the solicitor, but expect to pay around £500.

Telegraphic transfer fees will also be charged for transferring money to your solicitor when you complete and cost around £25 to £50.

Bristol, Bath or Exeter Mortgages Online do not charge you for your free consultation, nor to get you an Agreement in Principle. Our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Remortgages will vary.

Bear in mind that if you've decided to get out of your current mortgage deal early, you may have to pay an early repayment charge (ERC). Again, we will give you an illustration of whether it is financially beneficial to settle your existing mortgage so that you can make an informed decision.

What happens if I don't do anything?

If you don't apply for another mortgage before your existing deal ends, you'll be moved onto your lender's Standard Variable Rate (SVR). The SVR varies between lenders but is typically pegged a few percentage points above the Bank of England base rate. Because the SVR is variable, it can change at any time.

SVRs are also not always competitive, so you could pay out far more than necessary if you stay on your lender's SVR. The good news though is you can move off your lender's SVR at any time.

What are the best mortgages?

To get details of all costings and an exact quote for the monthly repayments, please call us to book your FREE consultation, we also do not charge for getting you an Agreement or Decision in Principle.

YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 30 Jun, 2017

Last September, after gaining excellent A Level results, Tallulah Clark joined the administration team, as a Trainee Administrator.

Tallulah,19, is the eldest daughter of Phillip Clark, our MD. After joining the Bristol team, based at our Head Office at Henleaze House, she started to support Kamila and her team, with some of the office duties and copious amounts of important filing and scanning files, prepared for each of our clients.

The purpose was to gain experience in a work environment. As well as working for us part-time, Tallulah also gained experience working vat a local private Nursery. Tallulah’s aim is to ultimately to work with children.

From next September, Tallulah will be going to Sheffield University to study for a BA in Education, Culture and Childhood. This three-year course is designed to prepare students for a career in education or children's services.

All the team from Bristol, Bath and Exeter Mortgages Online would like to say a massive “Thank You” for all your help and “Good Luck” at Uni!!

 

More posts

Phil Clark's Mortgage Blog

by C BLAKE-SYMES 22 Sep, 2017

All the team at Bristol Mortgages Online are thrilled to have been chosen as a “Best Business of 2017” for Mortgage Brokers in Bristol, by Three Best Rated.

We received this great news via an email last week stating

“Congratulations! You are now listed as one of the Top 3 Mortgage broker in Bristol. We would like to Thank You for providing consistent high quality in your area of business. Our review team either approved or updated your business listing using our 50-Point Inspection which includes everything from checking reputation, history, complaints, ratings, satisfaction, trust and cost to the general excellence”

Three Best Rated® was created with a simple goal to find potential customers and clients the top 3 local businesses, professionals, restaurants and health care providers in any city. Their specialist employees handpick the top 3 local businesses. They check business's reputation, history, complaints, ratings, satisfaction, trust, cost, general excellence using our 50-Point Inspection. They display only businesses that are verified by their specialists.

Please click here to see our listing

If you would like to book a free consultation to see why we have been chosen as the Best Mortgage Broker in Bristol and why we also have over 100 5-star Google reviews, please contact us today

For expert advice and more information or to book your FREE consultation please visit one of our websites, call or email.

You will reçoive equally outstanding service from our two Sister businesses in Bath and Exeter

Bristol Mortgages Online     www.bristolmortgagesonline.com           Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com              Tel 01225 584 888

Exeter Mortgages Online     www.exetermortgagesonline.com           Tel  01392 690 888


by C BLAKE-SYMES 13 Sep, 2017

Bristol, Bath and Exeter Mortgages Online are delighted to launch their first newsletter.

The newsletter is called “Mortgage & Protection News” and contains interesting and up to date reports in each issue.

This issue includes articles of interest from First time buyers through to Buy to Let Investors.  In particular is a piece regarding dispelling some of the myths regarding Protection.

If you are an existing client or considering using us for the first time, please visit one of our websites and read through one of our 100 5-star Goggle Reviews to discover why our customer value the service we offer and come back to us time and time again.

Please click here to view or download our Autumn edition of “Mortgage & Protection News”

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

Bristol Mortgages Online     www.bristolmortgagesonline.com          Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com   Tel 01225 584 888

Exeter Mortgages Online        www.exetermortgagesonline.com     Tel  01392 690 888

Or email info@swmortgages.com

 

by C BLAKE-SYMES 06 Sep, 2017

Complex buy-to-let lending changes, due to come into force shortly, could result in a 'surge' of rental stock going back on the market for sale, says Portico.

Adapted from a Zoopla article by Nicky Burridge September 4, 2017

What’s the latest?

New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let. The Prudential Regulation Authority (PRA) is tightening up the way lenders assess applications from landlords with four or more mortgaged properties. Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage.

As a result, if some of their properties do not generate enough rent to cover mortgage repayments under the so-called stress test, they may have their application rejected. Industry commentators have warned the rules could lead to landlords raising their rents and selling off unprofitable properties. Although the new rules are not due to come into force until the end of September, some lenders have already adopted them.

Why is this happening?

The rules are being introduced to ensure lenders have a full picture of a landlord’s financial exposure, in a bid to avoid riskier lending. The buy-to-let sector has been on the Bank of England’s radar as a potential threat to stability for some time. The PRA has previously introduced a tougher stress test, under which rental income must be equivalent to at least 125% of mortgage interest at a nominal rate of 5.5%, with many lenders imposing a higher level of 145%.

Who does it affect?

The move is likely to be bad news for landlords and tenants alike. Not only is it likely to be harder for landlords to qualify for a mortgage under the new rules, but they will also face a significantly higher administration burden, having to provide a full breakdown on the rental income for all their properties, a business plan and cash flow projection.

Mark Lawrinson, regional director of estate agent Portico , says: “We may see a surge of rental stock come back on the market for sale as landlords look to offload their weakest performing properties in order to get further lending on more potentially profitable properties.  The rules could also lead to an increase in rents, as landlords look to cover any shortfalls".

Meanwhile, there is speculation the new criteria could lead to some lenders ceasing to advance mortgages to portfolio landlords due to the higher level of work involved in assessing their suitability.

What’s the background?

The rule changes are the latest in a series of alterations to impact buy-to-let landlords. They come after the Government introduced a 3% stamp duty surcharge for those buying an investment property or second home.

There has also been a reduction to mortgage interest tax relief, and the 10% ‘wear & tear’ allowance has been abolished. The changes are making it harder for buy-to-let investments to be profitable, causing some landlords to stop adding to their portfolios, while others are exiting the sector altogether, exacerbating the current shortage of homes to let.

Top 3 takeaways

  • New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let
  • The Prudential Regulation Authority (PRA) is introducing new rules on the way lenders assess applications from landlords with four or more mortgaged properties
  • Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

Bristol Mortgages Online     www.bristolmortgagesonline.com           Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com             Tel 01225 584 888

Exeter Mortgages Online     www.exetermortgagesonline.com           Tel  01392 690 888

Or email info@swmortgages.com

 

by C BLAKE-SYMES 28 Aug, 2017

This is an article updated on 7th August 2017 taken from the moyfacts.co.uk website. Money Facts has a great reputation and describes exactly the service that we offer as a fully Independent Mortgage Broker.

What does a mortgage broker do that you can't? And why should you pay for their services when there are already loads of other costs when moving home or remortgaging?

If you're asking yourself these questions, it can be more than tempting to cut out the middleman. However, you may want to think twice. Mortgage advice, from a reputable broker, can be an invaluable service – and here's why…

  You're protected

An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not up to scratch, you can complain and be compensated.

In contrast, if you go directly to a high street mortgage lender, don't take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse. (However, under the rules of the Mortgage Market Review, it's the lender's responsibility to ensure affordability – so even if you buy direct, you could have some recourse. Nonetheless, a broker can still offer a valuable layer of protection.)

A mortgage broker is qualified

There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find!

Mortgage brokers have to be qualified to give you mortgage advice, whereas you may not get that kind of guarantee if you ring up a lender's call centre. That said, new regulations mean that all call centre staff need to be advisers or must refer you to someone who is, and if you went in-branch, you'd be able to arrange an appointment with one of their mortgage advisers.

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and would be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

They know the industry

Mortgage criteria have tightened massively over the last few years, with the Mortgage Market Review being the latest, and arguably widest-ranging, development. It's been designed to ensure borrowers can prove affordability, even in the event of a rate rise, and those extra checks have understandably increased application times.

That's why it's so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they'll know what the application process is like for each one and can tell you which lender can process your application with minimal delays. They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.

Then there's the fact that, because a mortgage broker may put a lot of business to a particular lender in a year, they can exert influence and chase things in a way you just can't do by yourself – and that can be invaluable should things get held up.

It's not just about the mortgage

A mortgage broker won't just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have.

They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:

  • Death
  • Critical illness (such as cancer, heart attack or stroke)
  • Redundancy

Don't be put off by a fee

Mortgage advice tailored to your situation is a service. In order for the mortgage broker to be able to offer this service, they need to make money.

They do this by one or both of the following:

  • Charging a fee. This could be a one-off fee for advice, or a fee that pays for advice throughout the term of your mortgage (if you need to remortgage, move home, etc.).
  • Commission. Lenders and insurers may decide to pay the mortgage broker commission for putting your business their way.

Where can I find out how much my mortgage broker makes?

Mortgage brokers are required to provide you with a Key Facts document about their services that details any fees or commission they charge or earn.

You will also be provided with a Key Facts Illustration (KFI) about the specific mortgage being recommended. Details of your broker's fees can be found in section 8 of the KFI. Details of any commission earned by your broker for introducing your business to the mortgage lender can be found in section 13 of the KFI

The value of advice

Mortgages are a lot more difficult than they first appear. Knowing what rate, term, lender, features and insurance to get are all time-consuming and complex matters.

Comparing mortgages on a site like Moneyfacts.co.uk is a good place to start – it's great to get an idea of what's out there. But choosing a mortgage is a process far more complicated than simply opting for the lowest rate or the best incentives.

A mortgage broker takes your whole circumstances into account to recommend a suitable product, and it's that thorough, professional look at your finances that makes advice well worth paying for.

Extra Information about us….

Bristol Mortgages Online, Bath Mortgages Online and Exeter Mortgages Online, are completely Independent Mortgage Brokers, we deal with the Whole Market. We offer a FREE initial Consultation, should you wish to proceed with the advice and recommendations given, our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Mortgages and Equity Release products will vary. Our fees include full administration and progressing support, from our fully qualified team, right the way through to completion.

For more information or to book your FREE consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.co m


by C BLAKE-SYMES 21 Aug, 2017

Bristol Mortgages Online are based at Henleaze House in North Bristol. We have been here for three and a half years and also use it as our Head Office for our sister businesses, Bath Mortgages Online and Exeter Mortgages Online.

We think we’re in a great location as most of our clients don’t want the hassle of driving into the City Centre of Bristol, or Clifton and then have trouble parking. We can offer free parking either in the car park or on one of the local streets. Our Admin and Progressing team are also based here so it’s incredibly convenient to drop off any documents or have a chat if you have any queries.

We deal with clients from far and wide, but many of our new clients live in Henleaze, Westbury on Trym, Stoke Bishop and Redland. A lot of clients come to see us straight from work, as we are open until 7.30pm. For those working at Air Bus, Rolls Royce or Aztec West we are conveniently located along Southmead Road just off Wellington Hill West. Recently we have been helping numerous staff based at Southmead Hospital as we are literally 5 minutes away.

For many clients either working shifts, or with young families it is not so easy to come to us, so we are more than happy to come and see you at home.

If you would like to book a free consultation with us you can find us at Henleaze House, Henleaze, Bristol BS9 4PN. Our other branches are located at Bath Mortgages Online, The Guild, High Street, Bath, BA1 5EB and Exeter Mortgages Online 37a Fore Street, Topsham. Devon, EX3 0HR

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email i nfo@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 09 Aug, 2017

We are absolutely thrilled to have just received our 100th Google Review and every single one is 5-stars!!

Having highly satisfied clients and an excellent reputation is key to our philosophy not only here at Bristol Mortgages Online but also with our other businesses in Exeter and Bath.

Many of our new clients come to us as they have been recommended. Our excellent 5- star reviews both on Google and Facebook give potential clients the reassurance that we are nice people to deal with!

We are always overwhelmed by the lovely comments.  Our MD Phil Clark often receives accolades from clients, as do our other Mortgage Advisers. However, often it is both Kamila and George who get a special mention, as clients are so grateful for the amazing progressing service they provide, leading to a smooth and efficient completion.

Some of our most recent reviews include:

PR They made the process so simple for us and put us immediately at ease, which made it a really simple process of picking the right mortgage for us.

DB  Fantastic and friendly advice over the last 7 years, highly recommended have saved me a small fortune.

 JM As a first time buyer I was a bit clueless about the mortgage process and have found Paul Kelly and team to be exceptionally helpful. Paul arranged everything for me and was able to answer my many questions, making the experience completely smooth and stress free. Highly recommend Bristol Mortgages Online.

DG I am very grateful and pleased with the service that I get from Bristol Mortgages Online colleagues Paul and Kamila. It was a very good service and it was a stress free experience.

  f you would like to read more of our Google Reviews please click here 

To book a FREE CONSULTATION with one of our Expert Mortgage Advisers please call 0117 325 1511                                          or visit www.bristolmortgagesonline.com

by C BLAKE-SYMES 26 Jul, 2017

We are delighted that this month we celebrate Paul Kelly, our Senior Adviser, being with us for 3 years.

Paul joined us just a few weeks after we moved into Henleaze House. Paul is a fantastic Adviser and as can be seen from the numerous 5-star Google and Facebook reviews he receives, our clients appreciate the great job he does too!

A few examples of the praise he receives are:

Excellent service! I wanted to remortgage and my adviser Paul Kelly was fantastically helpful and efficient. He found a good deal for me and was helpful and supportive from start to finish. The whole operation seems to run really well. Good value for money too - worth every penny! Highly recommend.

Myself and my wife are both first time buyers and thought it best to get some professional help. Our advisor Paul Kelly was fantastic from start to finish, where we had hurdles, Paul helped us to work through them and find the best mortgage that suited us. Can't recommend these guys enough.

Cannot recommend these guys enough! Quite possibly wouldn't have got our house if it wasn't for them! Paul really went the extra mile for us and I would recommend him to everyone buying a house, particularly for the first time! Made a very stressful process so much easier and got us on the ladder.

Our clients are always delighted with the expert advice Paul gives them, ranging from First-time Buyers, clients wishing to move house or remortgage through to experienced Buy to Let Investors.

In particular clients appreciate the fact that although Paul is based at our Head Office in Henleaze House, he frequently meets clients in their homes of an evening, or in the case of our business clients at their offices.

Congratulations from all the team at Bristol, Bath and Exeter Mortgages Online- you’re a great chap to work with!!

If you would like to book an appointment with Paul Kelly or any of our Advisers please call

 0117 325 1511 for Bristol, 01225 584888 for Bath or 01392 69888 for Exeter.

 

 

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by C BLAKE-SYMES 21 Jul, 2017

As Independent Mortgage Brokers, we are not only mortgage specialists, but we can also access the whole market for your insurance protection needs too, including Critical Illness Cover, Life Insurance and Income Protection.

Many banks and building societies and estate agents are “tied” to one insurer, and therefore cannot compete with an Independent specialist like us, either on cost or benefits as they only offer one product. This is a complex area, 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 a life time!

We therefore always offer a free face to face consultation with you. One of our experienced advisers will discuss your individual requirements to help us with our personal recommendations.

We have listed below a brief description about Critical Illness Cover. Please feel free to call us and we will arrange an appointment with you at home, or at our offices in Bristol, Bath or Exeter.

What is critical illness cover?

Critical illness insurance will pay out if you get one of a number of a specific medical conditions or injuries listed in the policy. But be aware that not all conditions are covered and policy will also state how serious the condition must be.

Most policies will also consider permanent disabilities as a result of injury or illness. A critical illness policy only pays out once and then the policy ends. Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.

What is not covered?

Some serious illnesses might not be covered, for example, some cancers and conditions not listed in the policy. You probably won’t be covered for health problems you knew you had before you took out the insurance, and this type of insurance does not pay out if you die. What’s covered and what’s not, will be set out in the policy details so make sure you’re fully aware of them and that they cover your needs. We guide you through all the considerations to find the right policy to meet your needs.

Do you need critical illness cover?

State benefits might not be enough to replace your income if something goes wrong. If you’re eligible, welfare benefits range from around £70 a week to just over £100 a week, depending on your circumstances (i.e. whether or not you have children, a certain level of savings, or if your partner works).

Critical illness cover could be considered if:

  • you do not have savings to tide you over if become seriously ill or disabled
  • you do not have an employee benefits package to cover a longer time off work due to sickness

Who does not need it?

You might not need it if:

  • you have enough savings to fall back on and can adequately cover expenses such as bills, loans, medical costs or a mortgage.
  • you have a partner who can cover living costs and any shared commitments, like a mortgage
  • ·You might already have some cover included in other products or work benefits.

How much does it cost?

Your monthly payments will depend on a number of factors, including:

  • age
  • whether you smoke or have previously smoked
  • health (your current health, your weight, your family medical history)
  •  job (some occupations carry a higher risk than others and may mean you have to pay more each month)
  • the amount of cover you take out

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com  0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 06 Jul, 2017

Although thinking about organising a remortgage can feel like a hassle, the good news is that mortgage rates are now at their lowest ever levels and by switching to a better deal, you could find your monthly repayments come down significantly – particularly if you've built up a decent amount of equity in your home. So, if you are soon to remortgage, let Bristol, Bath or Exeter Mortgages Online help you through the whole process from the initial quotation through to completion.

When should I apply for a new mortgage?

You should think about applying for a new mortgage two to three months before your existing deal comes to an end. It can take a month to get an offer from a mortgage lender (though this can sometimes be quicker) and an offer will typically be valid for three months or to a specific completion deadline.

Due to the fact that we are wholly independent, we will examine the mortgage market for you. We deal with many lenders over and above High Street lenders and those found on comparison sites. Many exceptionally competitive and flexible lenders only deal with Mortgage Brokers, like ourselves. As with anything financial, it pays to shop around and compare what the different providers are offering.

Once we have discussed all the options available to meet your specific needs and have recommended the most suitable mortgage product we will arrange to get you an Agreement in Principle from the lender, we will then help you to complete your application from and will see the mortgage through to completion.

How easy is it to remortgage?

If you're not moving home, switching to another mortgage will be more straightforward. We will help you to assess how much you can borrow, and this will depend on how much equity you have in your home, what your income and outgoings are, and your credit rating.

When you apply for a new mortgage, it can be tempting to bump up the term again, perhaps back to 25 years to keep repayments down. But Instead, if you can afford to, reduce the term of your mortgage to say 20 years. That way you'll save yourself five years' worth of interest.

However, be aware that reducing the length of your mortgage will increase your monthly mortgage repayments. For example, if you had a mortgage of £150,000 on a rate of 2.5%, you'd pay £673 a month over a 25-year term, but £795 a month over a 20-year term.

What will it cost to remortgage?

Some lenders will charge a booking or processing fee to secure a mortgage, typically around £100 - £150. Many mortgages also come with product fees which can cost anywhere from £500 to £2,500. Bear in mind it may be work out cheaper to opt for a mortgage with a higher interest rate but lower fee than one with a lower interest rate and higher fee. Our Advisers will give you a full illustration to show you all the benefits and pitfalls of every option.

Your new lender may charge a valuation fee for commissioning a valuation of your property (typically £300-£400). You'll have to pay legal fees to your solicitor, though you may find your lender covers some of this. Fees will vary depending on the solicitor, but expect to pay around £500.

Telegraphic transfer fees will also be charged for transferring money to your solicitor when you complete and cost around £25 to £50.

Bristol, Bath or Exeter Mortgages Online do not charge you for your free consultation, nor to get you an Agreement in Principle. Our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Remortgages will vary.

Bear in mind that if you've decided to get out of your current mortgage deal early, you may have to pay an early repayment charge (ERC). Again, we will give you an illustration of whether it is financially beneficial to settle your existing mortgage so that you can make an informed decision.

What happens if I don't do anything?

If you don't apply for another mortgage before your existing deal ends, you'll be moved onto your lender's Standard Variable Rate (SVR). The SVR varies between lenders but is typically pegged a few percentage points above the Bank of England base rate. Because the SVR is variable, it can change at any time.

SVRs are also not always competitive, so you could pay out far more than necessary if you stay on your lender's SVR. The good news though is you can move off your lender's SVR at any time.

What are the best mortgages?

To get details of all costings and an exact quote for the monthly repayments, please call us to book your FREE consultation, we also do not charge for getting you an Agreement or Decision in Principle.

YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

by C BLAKE-SYMES 30 Jun, 2017

Last September, after gaining excellent A Level results, Tallulah Clark joined the administration team, as a Trainee Administrator.

Tallulah,19, is the eldest daughter of Phillip Clark, our MD. After joining the Bristol team, based at our Head Office at Henleaze House, she started to support Kamila and her team, with some of the office duties and copious amounts of important filing and scanning files, prepared for each of our clients.

The purpose was to gain experience in a work environment. As well as working for us part-time, Tallulah also gained experience working vat a local private Nursery. Tallulah’s aim is to ultimately to work with children.

From next September, Tallulah will be going to Sheffield University to study for a BA in Education, Culture and Childhood. This three-year course is designed to prepare students for a career in education or children's services.

All the team from Bristol, Bath and Exeter Mortgages Online would like to say a massive “Thank You” for all your help and “Good Luck” at Uni!!

 

by C BLAKE-SYMES 24 Jun, 2017

Armed Forces Day is a chance to show your support for the men and women who make up the Armed Forces community: from currently serving troops to Service families, veterans and cadets. There are many ways for people, communities and organisations across the country to show their support and get involved, from attending an event or joining us online to throwing a party or local event.

Armed Forces Day takes place on the last Saturday each June. In 2017, it will take place on Saturday 24 June. Armed Forces Day celebrations begin on Monday 19 June when the Armed Forces Day flag is raised on buildings and famous landmarks around the country. Reserves Day on 21 June will also provide an opportunity for the country to recognise our Reserve Forces.

The National Event in 2017 will be held in Liverpool and local events will be taking place across the country. You can search or add your local event here.

Showing support for the Armed Forces provides a much valued morale boost for the troops and their families. You can find out more about what they are doing at home and around the world by visiting the official sites of the Royal Navy, British Army and Royal Air Force.

The public show their support for the Armed Forces on Armed Forces Day, but did you know the Armed Forces Covenant outlines how the Government, businesses and communities support Armed Forces personnel past and present throughout the year?

Forces Mortgages

Kevin Langshaw, our Lead Adviser at our Exeter branch specialises in Mortgages for Personnel in the Forces. Kevin has a military background, so understands the specific and unique requirements and issues faced by those in the Forces.

As well as all the usual expertise, we offer to First Time Buyers, Buy to Let investors, House movers and clients looking for a remortgage, we offer additional help to those in the Forces.

There are unique offers and opportunities relating to Forces Mortgages including:

  • Up to 95% LTV
  • Permission to Let
  • Limited UK Credit History
  • Applications Allowed from Overseas & BFPO Address

Forces Help to Buy Scheme

The Forces Help to Buy Scheme is to help armed forces personnel get on the property ladder.

What is the scheme?

Regular armed forces personnel can benefit from a £200 million scheme to help them get on the property ladder. The Forces Help to Buy scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their family’s needs change. The pilot scheme, which launched in April 2014 and has now been extended to 2018, aims to address the low rate of home ownership in the armed forces.

Who can use the scheme?

All regular personnel who:

  • have completed the pre-requisite length of service
  • have more than 6 months left to serve at the time they apply
  • meet the right medical categories

However, it is recognised that there may be instances where exceptions to the standard rules may be justifiable, especially where there are extenuating medical and personal circumstances.

How much can be borrowed under the scheme?

This scheme allows service personnel to borrow up to 50% of their annual salary, to a maximum of £25,000. This can be used towards a deposit and other costs such as solicitor’s and estate agent’s fees.

How to get it?

Servicemen and servicewomen can apply for the loan online through the Joint Personnel Administration system and can seek advice on their application through their Chain of Command and personnel agency.

If you are considering buying a home, but have not done so before, you may wish to read some general information on how to buy one and understand better how the process works.

For more information or to book your free consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.com

 

 

by C BLAKE-SYMES 17 Jun, 2017