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
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If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com
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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.
Here at Bristol, Bath and Exeter Mortgages Online, we aim to give you a stress-free mortgage application process.
From when we send you our initial links and forms through to completion, we will support you along the way.
Here is a guide which we hope will enable you to understand and prepare for the documentation and
More sales, rising supply, plenty of demand and modest house price growth shape a steady UK housing market in June 2025.
The average house price in the UK is £268,400 as of May 2025 (published June 2025). This is a rise of 1.4% or £3,690 over the past year.
We are thrilled to be celebrating our 17th Anniversary this week.
Phillip Clark founded Bristol Mortgages Online in 2008.
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.
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…
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.