Bristol Mortgages Online now has over 200 5-star reviews!

Caz Blake-Symes • May 24, 2019

Find out why we are the most highly rated Mortgage Broker in Bristol

All the team at Bristol, Bath and Exeter Mortgages Online are exceptionally proud of the number of 5-star Google and Facebook reviews that our Bristol operation has received.
As of May 2019, we have received an incredible 155 5-star Google reviews and 58 5-star Facebook Reviews. This number of 100% 5-star reviews ranks us as the best Mortgage Broker in Bristol, way ahead of any other brokers.
These reviews praise the excellent advice and service provided by all our Advisers as well as the excellent service that our Mortgage Processing and Admin team provide with individuals frequently being mentioned.
As a fully independent broker, we pride ourselves on the expert, highly experienced and professional advice that we offer. Our reputation is also being enhanced by the first-class support we give to all our clients whether they are buying for the first time, remortgaging, moving house or building an investment portfolio.
Please click here to view all our Google Reviews and please click here to see all our 5-star Facebook reviews.
We would like to thank all our clients who have taken the time to leave these reviews for us. They not only mean a great deal to us personally but also help any future clients when deciding to use us as their Mortgage Broker.

Here are some of our latest reviews from the past few weeks...

CS

“Phil was always available and approachable, which helped make what can be a challenging process normally, go very smoothly. It all happened swiftly and without any issues. Phil really goes the extra mile to help customers and we really appreciated this. Thanks team!”

ND

“My wife and I have used the services provided by this company on several occasions in the recent past, and have found without exception, that the service, and knowledge provided each time by the company's associates to be first class. Highly recommended.”

KB

“Phil and the team at Bristol mortgages were a breath of fresh air for us when recently going through the process of buying our first home. The whole process seemed incredibly daunting and a huge step into the unknown. However with Phil and the teams help the whole process was streamlined for us in such a way that this stressful and often worrying period became easy and pain free. Phil successfully manages to amalgamate professionalism with a friendly and jovial approach to make the whole process enjoyable. He took a holistic approach taking time to understand all of of our individual needs and existing commitments before recommending a mortgage, which ultimately had enabled us to maintain our lifestyle and move into a lovely new home! (With a complimentary candle which smelt great) Phil also advised us on solicitors and life insurance and presented various options; each one in a way which enabled us to make educated decisions on our best options. The rest of the team here are all exceptionally diligent and nothing was too much to ask. I highly recommend Bristol mortgages and will definitely be using their services again in the future. “

KK

“The whole process of buying your home (especially your first home) can be quite stressful and scary so you need someone who can help and assist you every step of the way. Bristol Mortgages Online did exactly that. Thank you Jon and George for all your support! We will always recommend you.”

JR

“Was recommended Paul Kelly of Bristol Mortgages Online by a work colleague who had secured a mortgage by Paul and his team. After an initial disappointment Paul persevered and secured us a mortgage with a reputable lender. We are now proud and happy owners of our own home thanks to Paul and his team and would highly recommend. We will be returning for advice in 2 years’ time for remortgage. A super friendly service with a superb team and company.”




Remember as an Independent Mortgage Broker, we are regulated to offer you the best advice.

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

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

Email info@swmortgages.com

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Boost to buying power from changes to affordability tests

By Caz Blake-Symes • May 1, 2025
Adapted from Zoopla’s April 2025 Housing report I mage: The analysis uses average house prices from the house price index and for first-time buyers to assess mortgage payments at different mortgage rates applied to a 30- year mortgage, at different loan-to-values. One emerging trend that we expect to positively support market activity in the coming months is a relaxation in how lenders assess the affordability of new mortgages. While buyers focus on the mortgage rate they will pay, lenders also check whether the borrower can afford a 'stressed mortgage rate' at a higher level than the borrower will pay. ​ While the average 5-year fixed rate mortgage is around 4.5% today, many lenders are currently 'stress testing' affordability at 8-9%. This makes it harder to secure a mortgage without a large deposit. If average mortgage stress rates were to return to pre-2022 levels of 6.5% to 7%, this would deliver a 15-20% boost to buying power. ​ An average first-time buyer with mortgage repayments of £1,020pcm at a 4.5% mortgage rate would typically have to prove they could afford monthly repayments of £1,550pcm at an 8.5% stress rate. If the stress testing is relaxed to 6.5%, repayments would fall to £1,275pcm, boosting buying power. It's a similar pattern for the average homeowner, while the actual impact will vary by lender and type of borrower. ​ This change would consequently supporting demand and sales volumes, helping to clear the stock of homes for sale, rather than boosting house prices. Other existing rules and regulations that remain in place will continue to impact the availability of mortgage finance.  Comment from Phil Clark “This is potentially very exciting news and will give borrowers a greater choice of products if these rules are relaxed. Regardless of whether you are a First-time Buyer, Looking to move, remortgage or invest in property, there are a huge range of competitive mortgage deals on the market. I will be delighted to discuss your specific requirements and offer you the most suitable deal!” Please call Phil on 0117 3251511 or email info@swmortgages.com For more information about the Mortgage and Protection products we offer, please visit www.bristolmortgagesonline.com Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Buy-to-let mortgage searches rose sharply in March

By Caz Blake-Symes • April 15, 2025
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Stamp duty information

Stamp Duty Changes Effective 1 April 2025

By Caz Blake-Symes • April 10, 2025
There have been some important changes to the legislation regarding Stamp Duty Land Tax with effect from 1 April 2025.
Time to remortgage

Check Out Our March Newsletter!

By Caz Blake-Symes • March 31, 2025
This edition includes fantastic new mortgage products, updated guides for those with adverse credit, 17 great tips to follow before making and application and lots more. If you need help with any of the items covered, please call Phil on 0117 325 1511.

Let Us Help You If You Have Adverse Credit

By Caz Blake-Symes • March 22, 2025
Let us help you If you have a poor credit score or issues with your credit history.Call Phil on 0117 3251511 to discuss any credit uissues.

Zoopla House Price Index: February 2025

By Caz Blake-Symes • March 18, 2025
The housing market is resilient, supported by faster growth in average earnings. There are the most homes for sale in 7 years, which will keep price inflation in check. But are buyers missing opportunities in the flats market?
Buyers Guide for mortgage tips

Let Us Help You Improve Your Chances of Getting a Mortgage

By Caz Blake-Symes • March 11, 2025
Here at Bristol, Bath and Exeter Mortgages Online, we understand that getting your first mortgage, or even a remortgage, especially if your circumstances have changed, may look like an impossible task, but we are here to help. We hold your hand from your initial enquiry through to the completion of your purchase. It's not that tricky and there are ways you can improve your odds and boost your chances of a successful mortgage application.
Bath Building Society poster

Fantastic Mortgage Rates from Bath Building Society

By Caz Blake-Symes • March 8, 2025
We are delighted to be able to offer our clients an incredible mortgage deal through Bath Building Society. Bath Building Society is currently offering market-leading discounted mortgage products designed to provide flexibility and great rates.

Check out our February 2025 Newsletter!

By Caz Blake-Symes • February 27, 2025
Check out our February 2025 Newsletter!

Some mortgage rates cut below 4% as competition picks up

By Caz Blake-Symes • February 19, 2025
Adapted from BBC Article by Kevin Peachey, Cost of living correspondent 13 February 2025 Two major lenders launched mortgage deals on Thursday with interest rates of less than 4%, as competition picks up in the sector. The prospect of further cuts in the base rate by the Bank of England has given mortgage providers confidence to reduce their own rates. But the attention-grabbing sub-4% deals by Santander and Barclays will not be available to all borrowers, particularly first-time buyers, and may come with a hefty fee. The return of such deals might prompt other lenders to follow suit after a period of tepid competition. Nationwide, the UK's biggest building society, has said it will reduce some of its rates on Friday. Mortgage deals with interest rates below 4% have not been seen since November. Across the whole market the average rate on a two-year fixed deal is 5.48%. The typical rate on five-year deals is 5.29%, according to latest figures from Moneyfacts. Time to decide Some tracker and variable rate mortgages move fairly closely in line with the Bank's base rate, which was cut to 4.5% a week ago. However, more than eight in 10 mortgage customers have fixed-rate deals. The interest rate on this kind of mortgage does not change until the deal expires, usually after two or five years, and a new one is chosen to replace it. About 800,000 fixed-rate mortgages, currently with an interest rate of 3% or below, are expected to expire every year, on average, until the end of 2027. That means a higher monthly bill for many homeowners on their next renewal, but there are signs that the rate they could pay is on its way down.  Bank of England governor Andrew Bailey said the interest-rate setting committee expected to be able to cut rates further "but we will have to judge meeting by meeting, how far and how fast". This will affect savers who are seeing lower returns, but could bring better news for borrowers. The Bank's next rates decision is on 20 March. Message from Phil Clark “Regardless of whether you are a First-time Buyer, Looking to move, remortgage or invest in property, there are a huge range of competitive mortgage deals on the market. I will be delighted to discuss your specific requirements and offer you the most suitable deal!” Please call Phil on 0117 3251511 or email info@swmortgages.com For more information about Mortgage and Protection please visit www.bristolmortgagesonline.com
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