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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PHIL CLARIN FRONT OF BANNER

Celebrating 17 Years of Bristol Mortgages Online!

By Caz Blake-Symes • June 13, 2025
We are thrilled to be celebrating our 17th Anniversary this week. Phillip Clark founded Bristol Mortgages Online in 2008.
areial view of houaes

Zoopla’s House Price Index Report: May 2025

By Caz Blake-Symes • June 5, 2025
Lower mortgage rates are supporting more house sales against a backdrop of modest house price inflation. Zoopla’s House Price Index tracks key trends in the UK housing market - here’s the latest news in May 2025.

Check Out Our May Newsletter!

By Caz Blake-Symes • May 29, 2025
This Edition Includes.. Helping Your Family Onto The Property Ladder What will happen to Interest Rates This Year? Easing Stress Testing? Looking to Remortgage? Getting a Mortgage with Adverse Credit Plus lots more…

Will mortgage rates go down in 2025?

By Caz Blake-Symes • May 17, 2025
Mortgage rates are likely to stay in the 4-5% range this year while changes to affordability testing by lenders could give buyers a boost.

Helping a Family Member Onto the Property Ladder

By Caz Blake-Symes • May 12, 2025
Sky high house prices, high cost of living, student loans and rising rent costs mean that getting on the property ladder is challenging. But the desire to own a home remains strong for many young adults. Now, the affectionately known ‘bank of mum and dad’ (or bank of other family members) may wish to lend or give money for deposits and other house purchase costs. Our expert Mortgage Advisers will be able to discuss all options available to suit your specific family’s situation.

Base Rate cut to 4.25%: what it could mean for UK mortgages

By Caz Blake-Symes • May 10, 2025
The Bank of England has voted to reduce the Base Rate by 0.25% for the second time this year, taking it to 4.25%. Base Rate was held at 4.5% in March after it was cut by 0.25% in February.

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.
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