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
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
Rachel Reeves has set out details of her second Budget since becoming Chancellor.
Some measures from the yearly tax and spending plan had already been announced in the days leading up to the statement.
We are thrilled to be able to offer this fantastic product through the Family Building Society.
This interest-only mortgage gives those of retirement age and beyond the opportunity to free up equity from their home, without the huge costs often faced when considering Equity Release or a Lifetime Mortgage.
Thinking about buying a new property before selling your current one? Or maybe you need quick funds to complete a renovation or secure an investment opportunity? You’re not alone. With today’s fast-moving property market, many homeowners and investors are turning to bridging loans to bridge the gap.
The changes laid out in the Renters’ Rights Bill were the biggest shakeup of rental legislation in decades. In October 2025, the Bill gained Royal Assent, which means the bill becomes the ‘Renters’ Rights Act’, and will now become law.