Christmas Message from Phil Clark
Caz Blake-Symes • December 21, 2020
Wishing you a Merry Christmas and a Happy 2021
Oh my goodness! What a difficult and challenging year 2020 has been for everyone.
I’m very grateful that all 3 of our businesses Bristol, Bath and Exeter Mortgages Online have successfully carried on throughout the pandemic, lockdown is and other restrictions. We have adapted the business, using the technologies available to us and have been doing considerably more Zoom appointments which has worked out very well for our clients in these days of social distancing and limited face-to-face visits.
Surprisingly, the housing market has remained very buoyant although many lenders reduce the number of products that they were offering, earlier in the year and made some of the lending criteria harder. Thankfully, due to the fact that we are fully independent we have access to lots of lenders that may not be known to most clients and therefore have managed to continue to place mortgages for first-time buyers, remortgages, those moving house and investment purchases.
I would particularly like to thank my team here at Henleaze House for working so hard during the difficult times including working from home at the beginning of the pandemic and adapting their working practices to meet our clients’ needs. This has ensured that we continue to offer a 5-star service, which has been really appreciated by clients, lenders, solicitors, and estate agents/developers.
I sincerely wish you and your families a much happier 2021 and hope that life returns to “normal” as soon as possible.
On behalf of all the team here, we wish you a Merry Christmas I look forward to helping you with any mortgage requirements in the future.
Kindest regards
Phil Clark
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.
The buy-to-let market in 2025 is evolving, and with changing tax rules, shifting demand, and rising costs, landlords need more than just a good property. You need a clear financial strategy and the right mortgage to match.
With many households feeling the pressure of rising mortgage bills, finding ways to reduce monthly payments has never been more important. Whether you’re coming to the end of a fixed-rate deal or just looking for financial breathing room, there are smart, practical steps you can take to lower your costs.
We specialise in providing mortgage solutions for expat clients. Phil has over 30 years of experience in working with Expat clients, and now that Bristol Mortgages Online is a trading style of Manor Mortgages, we have an even greater choice of products to offer.
The Bank of England cuts interest rates from 4.25% to 4%, with effect from today, 7 August 2025.
It's the Bank's fifth cut since last August, and takes the cost of borrowing to its lowest level for more than two years
The decision was widely expected.
We hope you enjoy this Newsletter.
If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com
Having highly satisfied clients and an excellent reputation is key to our philosophy here at Bristol Mortgages Online.
Many of our new clients choose us as they have been recommended or referred to us. Our excellent 5-star reviews on Google reassure potential clients that we are professional people to deal with!
Take
Securing a mortgage can be more complex for the UK’s 4.2 million self-employed workers. Without traditional payslips, proving income requires a different approach—but there are still plenty of options.
Here at Bristol, Bath and Exeter Mortgages Online, we are delighted to take on a CHALLENGE!
Being a trading style of Manor Mortgages, who have access to Lenders and Products that are beyond the reach of the majority of Mortgage Brokers.