Christmas Message from our MD Phil Clark
Caz Blake-Symes • December 20, 2019
Wishing You a very Merry Christmas
Dear Clients, Friends and Business Partners
Just a brief note from me to take this opportunity to wish you Seasons Greetings and to let you know what has been happening with us in 2019.
This has been very busy and productive year for us here at Bristol, Bath & Exeter Mortgages Online. Our team of Mortgage Advisors has continued to give expert advice and great service to all our clients both old and new. Paul Kelly and Jon Ley continue to do a fantastic job working with our clients mostly based in the Bristol area. Chris Seward manages our Bath operation which is completing its third successful year and Chris is also our Equity Release Specialist.
George Gibson, who heads up our Admin team not only offers fantastic support to our clients but also keeps the office shipshape and Bristol fashion! George has been with me for four years after Christmas, and I’m so grateful for everything he does.
On personal note, I would like to thank everyone for their overwhelming kindness and generosity for our chosen charity which is Ataxia UK. My eldest daughter, Tallulah, was diagnosed with a rare form of Ataxia in May 2017. Our efforts with fundraising for research and ultimately a a cure will continue in 2020 with the new fundraising challenge. Funds raised in the past include over £10,000 from a dedicated Just Giving page and £5,000 from a Golf Day and I took part in a triathlon raising £3,000! Please support Tallulah’s new Challenge by clicking on https://www.justgiving.com/fundraising/tallulah-clark2020
In terms of business, we are always delighted with the amount of repeat business with clients coming back to us time and time again, as well as recommendations and referrals. As I write this note, we have 220 5-star reviews on Google and Facebook which is fantastic! We are also dealing with an increasing number of lenders many of whom will only deal with intermediaries/brokers like ourselves, which means we can offer such a wide range of mortgages and protection products from first-time buyers through to portfolio landlords.
It just leaves me, on behalf of all the team here, to wish you and your families a very Merry Christmas and a happy and healthy 2020.
Kindest regards
Phil Clark
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.
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.
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.
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.
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
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
I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026
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%.
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
Please click here to see our November newsletter This month’s edition is packed full of interesting articles, including What does the Budget mean for you? Interest-Only Mortgages For Later Life. Need Short-Term Property Finance? What is the Renters’ Rights Act, and what does it mean for tenants? What You Should Know About Second Charge Mortgages Time to Remortgage? Stunning 5-star Google Reviews! Let Us Help You If You Have Adverse Credit How to Contact Us You can also read more articles on our Blog. We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com