Customer Information packs

  • by C BLAKE-SYMES
  • 10 Mar, 2017

When you have a free face to face consultation with one of our expert Mortgage Advisers, here is an example of some of the information you will receive.

To book your appointment please call Bristol 0117 325 1511, Bath  01225 584 888 or Exeter 01392 690 888 or email info@swmortgages.com.

Phil Clark's Mortgage Blog

by C BLAKE-SYMES 04 Nov, 2017

Most peoples’ mortgage deals are either fixed-rate or variable. A fixed rate deal is for a set period, whereas with a variable rate deal, the interest rate can move at the discretion of their lender.

If you have been on the same mortgage deal for quite a few years now, you’re most likely on a variable rate deal. This means that unfortunately, your rate will increase with today’s base rate rise.

Robert Nichols, CEO of Portico says:

  “Those on variable rate mortgages will see a small increase in their monthly mortgage payments. For example, for the average mortgage in Britain of £175,000, an increase of 0.25% would increase monthly payments by about £22 a month.”

But it’s not all bad news, approximately 70% of people who take out a residential mortgage have done so on a fixed rate basis. These customers will not be instantly affected by the base rate rise from the historical low of 0.25%. But if you’re on a fixed rate mortgage, that doesn’t mean you can just sit back and relax. If your fixed term is soon to run out and you will be looking to get a new fixed-rate deal, the quicker you act the better rate you will secure. Rates are going to continue to rise over the next five years - so I’d advise locking in a low, fixed rate now.

Deals Are Still Close to the Lowest-Ever Levels

If you’re hoping to get on the property ladder, it will come as welcome news that there are still some fantastic products on the market. Please contact Bristol, Bath or Exeter Mortgages Online for a FREE Consultation to discuss your First Time Buyer, Remortgage or Buy to Let mortgage requirements.

Can Landlords Mitigate the Interest Rate Hike?

Landlords are already seeing their profits decrease as a result of recent tax changes and changing legislation, and today’s interest rate increase will simply add on more costs.

Mark Lawrinson, Regional Director at Portico says landlords can mitigate the hit by cutting their interest costs: 

  “Buy-to-let mortgage interest rates have dropped dramatically in recent years, so deals currently on the market will be a lot better than products arranged a few years ago. It’s sensible therefore to shop around and remortgage. That being said, landlords will now have to consider the new PRA rules.”

With large increases in property prices over the last five years, another tip is to get your rental property re-valued. This will make your lender recalculate your LTV, and a lower LTV means a better interest rate and a larger choice of lenders.

We will be delighted to discuss any of your mortgage or protection requirements with you.

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

 

by C BLAKE-SYMES 27 Oct, 2017

A Lifetime Mortgage is where the provider lends you a percentage of your property’s value in the form of tax-free cash. As with a traditional mortgage you will be charged interest on the loan however, with a Lifetime Mortgage you have the option not to make any monthly repayments (although you can if you want to) and there is no set term or repayment date. If you do decide to make monthly repayments this will typically only cover the interest on the loan however, you will have the flexibility to set up the Lifetime Mortgage to repay all, some, or none of the interest over the life of the plan.

 As with all Lifetime Mortgages, the loan plus interest continues until the plan comes to an end, usually when you pass away or move into long-term care. At this point the property is sold to repay the original sum borrowed, plus any interest that has accrued.

There are a number of different types of Lifetime Mortgages which we will be able to discuss with you and some of the more popular schemes are outlined below.

Lump Sum Lifetime Mortgage Plans

This type of product simply allows you to release all of the equity in one lump sum. Once the equity has been released the interest will start to accrue on the full loan amount.

Drawdown Lifetime Mortgage Plans

A Drawdown plan is similar to the Lump Sum option however you can retain a cash reserve that can be drawn down at some point in the future. Interest is only charged on the total amount you withdraw, and therefore this plan can save you a significant amount compared to a Lump Sum plan.

Enhanced Plans

If you or your partner have any health or lifestyle conditions you may be able to release more money from your home. Over 100 conditions qualify you for a larger cash release from your home including high blood pressure, diabetes, cancer, angina, kidney disease, and dementia. Lifestyle conditions such as a history of smoking or a high/low Body Mass Index (BMI) can also qualify. No medical assessment is necessary, and one of our specialist advisers can find out if you qualify for this type of plan for you.

Protected Plans

If you want to guarantee an inheritance for your family this is now possible with some Lifetime Mortgages. You can choose a fixed amount or a percentage of your home to be left to your beneficiaries when your plan comes to an end. This amount will be guaranteed.

Interest Payment Plans

Interest payment plans allow you to choose how much interest you want to pay and how long you want to pay the interest charged each month (for example, 1 year, 5 years or even up to the lifetime of the loan). The advantage of this option is by paying some (or all) of the interest payments during the plan term, the amount your provider takes at the end will be less, as you have already paid off some (or all) of the interest accrued. Also, if for any reason you are unable to make repayments, this plan can be converted so interest is added as with a standard Lifetime Mortgage. With options such as this it is essential that you seek specialist independent advice and speak to one our advisers to find the best plan for your needs.

Home Reversion Plans

While most customers find that a Lifetime Mortgage suits their needs best, there is another type of Equity Release plan available. A Home Reversion plan allows you to sell part or all of your home to a reversion plan company in exchange for a tax-free cash lump sum.

You can have the right to stay in your home effectively rent-free for as long as you choose which is why you don’t typically receive the full market value for the share of the home you sell.

If you sold half of your property to the reversion company, when the plan comes to an end (usually when you pass away or move into long-term care) then the money raised from the resulting sale of your home would be split equally between the reversion company and your estate.

Some customers choose a Home Reversion plan because the amount of equity you are initially able to release is typically greater than compared to a Lifetime mortgage.

However, in exchange for this greater sum of equity you will have to be comfortable with the fact that:

  • You will no longer own your own home – however you can retain a percentage share
  •  If your house value goes up, then you only benefit from the increase to the percentage you still own (if any)
  •  You will receive less than the market value of your home (whatever percentage you sell)
  • As you are selling part of your home it can be very difficult to end the plan and buy back the percentage you sold, so it’s less flexible than a Lifetime Mortgage

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.co m         Tel 0117 325 1511

Bath Mortgages Online         www.bathmortgagesonline.com             Tel 01225 584 888

Exeter Mortgages Online     www.exetermortgagesonline.com          Tel 01392 690 888


by C BLAKE-SYMES 23 Oct, 2017

About 10 days ago we announced that we are supporting "Tallulah's £10,000 Challenge for Ataxia Research and Awareness Campaign".  Since then, Tallulah, her family and friends have been overwhelmed with the amount donated and the kind and supportive comments.

As at today’s date (23rd October 2017) 100 supporters have donated nearly £4,800. As a Company, we will be supporting and donating to this great cause on an ongoing basis.

Why is this our chosen Charity?

Bristol, Exeter and Bath Mortgages Online, have chosen to support a cause very close to our hearts. In May 2017, our MD’s eldest daughter, Tallulah, at the age of 19, was diagnosed with a rare neurological condition called Ataxia type AOA2. Tallulah had been to see numerous specialists since the age of 11 before having this condition diagnosed.

What is ataxia?

Ataxia is the name given to a group of neurological disorders that affect balance, coordination, and speech. There are many different types of ataxia that can affect people in different ways.

  Who gets ataxia?

Anyone of any age can get ataxia, but certain types are more common in certain age groups.

  How many people have ataxia?

The ataxias are rare conditions. Estimates from recent studies say that there are at least 10,000 adults and around 500 children in the UK with a progressive ataxia.

  Is there any cure?

Some forms of ataxia are treatable, but in most cases, there is still no cure. We are supporting research and putting all our efforts in trying to get treatments or cures for the ataxias.

  What causes ataxia?

There are many different causes for ataxia. It's important to remember that ataxia is a symptom and may occur as a result of many different underlying conditions.   Many ataxias are inherited conditions and caused by having defects in certain genes.  Research is ongoing to identify other genes which cause inherited cerebellar ataxias and discover how they exert their effects These people would be diagnosed as having idiopathic cerebellar ataxia and there are many researchers focusing on finding new genes and new types of ataxias.

  How to support Tallulah

Despite having to deal with her recent diagnosis and just starting at Sheffield University, Tallulah has set herself an incredible personal challenge of raising £10,000 to help fund research and build awareness of Ataxia.

 Please can you click on the link below to donate to the very worthy cause. We will be donating on a regular basis for each completion we finalise and will be organising fund raising events .

We are asking all our friends, family, clients and business partners to donate so that Tallulah will reach her target of £10,000.

 Please click HERE  to go to Tallulah’s Just Giving fundraising page

 

by C BLAKE-SYMES 13 Oct, 2017

Bristol, Exeter and Bath Mortgages Online, have chosen to support a cause very close to our hearts. In May 2017, our MD’s eldest daughter, Tallulah, at the age of 19, was diagnosed with a rare neurological condition called Ataxia type AOA2. Tallulah had been to see numerous specialists since the age of 11 before  having this condition diagnosed

What is ataxia?

Ataxia is the name given to a group of neurological disorders that affect balance, coordination, and speech. There are many different types of ataxia that can affect people in different ways.

Who gets ataxia?

Anyone of any age can get ataxia, but certain types are more common in certain age groups.

How many people have ataxia?

The ataxias are rare conditions. Estimates from recent studies say that there are at least 10,000 adults and around 500 children in the UK with a progressive ataxia.

Is there any cure?

Some forms of ataxia are treatable, but in most cases, there is still no cure. We are supporting research and putting all our efforts in trying to get treatments or cures for the ataxias.

What causes ataxia?

There are many different causes for ataxia. It's important to remember that ataxia is a symptom and may occur as a result of many different underlying conditions.   Many ataxias are inherited conditions and caused by having defects in certain genes.  Research is ongoing to identify other genes which cause inherited cerebellar ataxias and discover how they exert their effects These people would be diagnosed as having idiopathic cerebellar ataxia and there are many researchers focusing on finding new genes and new types of ataxias.

How to support Tallulah

Despite having to deal with her recent diagnosis and just starting at Sheffield University, Tallulah has set herself an incredible personal challenge of raising £10,000 to help fund research and build awareness of Ataxia.

 Please can you click on the link below to donate to the very worthy cause. We will be donating on a regular basis for each completion we finalise and will be organising fund raising events .

We are asking all our friends, family, clients and business partners to donate so that Tallulah will reach her target of £10,000.

 Please click HERE on the link below to go to Tallulah’s Just Giving fundraising page

 

by C BLAKE-SYMES 07 Oct, 2017

Using Bristol, Bath or Exeter Mortgages Online saves you the legwork. We have regular contact with a wide variety of lenders, some of whom you may not even know about. The alternative to working with us, is to call up dozens of lenders and compare their mortgage terms and rates on your own. We save you the time and headache of having to do that. Using our expert knowledge of the whole market, we can also steer you away from certain lenders with onerous payment terms buried in their mortgage small print.

We give you more choice

We search the whole market for the best product for you, as we are not tied to a specific lender. Some lenders work exclusively with mortgage brokers and rely on them to be the gatekeepers to bring them suitable clients. You may not be able to contact some lenders directly. We may also be able to get special rates from lenders due to the volume of business generated that might be lower than you can get on your own.

You may save some fees

There are several different types of fees that can be involved in taking on a new mortgage or working with a new lender, we may be able to negotiate with lenders to waive or reduce some of these fees which can save you hundreds to thousands of pounds.

We hold your hand through to completion

We have a team of expert support and administration staff who will process your application, progress your offer and chase any queries. We work with you, your Estate Agents and Solicitors, to make the process as smooth as possible. This saves hours of your time waiting on calls and chasing a wide circle of people during office hours.

 Our clients rate our service as being 5-star, please check out the links on our websites to view over 100 5-star Google Reviews

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

 

by C BLAKE-SYMES 29 Sep, 2017

Adapted by a Zoopla article By Nicky Burridge September 27, 2017

What’s the latest?

Mortgage lending was subdued in August but first-time buyers continued to make the most of opportunities to get on to the property ladder. A total of £24.2bn was advanced by all lenders during the month, in line with monthly lending figures for most of 2017, once seasonal factors were taken into account.

Mortgage approvals for house purchases totalled 41,807 in August, also broadly unchanged from the previous six months, according to UK Finance. But first-time buyers continued to take advantage of the lack of activity by other groups, with a 17% jump in the number of people buying their first home compared with two years earlier.

Going forward, UK Finance said it expected lending growth to be dampened by a potentially more challenging economic outlook.

Why is this happening?

Housing market activity has been increasing modestly since the start of the year, but the mix of purchasers had shifted towards first-time buyers and away from buy-to-let investors, UK Finance said.

It added that there was also some evidence of rebalancing across the regions, with activity picking up in the north of England, Wales and Scotland, while it was more subdued in the less affordable regions of London, the south east and East Anglia.

Who does it affect?

There has been a significant shift in who has been driving activity in the housing market during the past year. Purchases by buy-to-let investors were 31% lower in July than they had been two years earlier, as a raft of tax changes have made the sector less profitable.

This void has been filled by first-time buyers, who traditionally buy the same types of properties as investors. A total of 356,000 first-time buyers bought a home in the year to the end of July, 17% more than two years earlier, and only slightly below the figure of 361,000 for home-movers during the same period.

What’s the background?

First-time buyers are not only benefitting from a fall in competition from investors, but they have also received support from a number of government schemes. The Help to Buy scheme enables people to acquire a property with just a 5% deposit, while the Starter Home initiative enables first-time buyers to purchase somewhere for below the market rate.

The Government has also introduced the Help to Buy ISA, whereby it tops up the savings of those setting aside money for a house deposit by 25%, or up to £3,000. Mortgage lenders have also become more open to lending to first-time buyers.

There are currently a record number of 90% loan-to-value mortgages on offer, with 275 different deals available.

Top 3 takeaways

  • Mortgage lending was subdued in August but first-time buyers continued to get on to the property ladder
  • A total of £24.2bn was advanced by all lenders during the month, in line with monthly lending figures for most of 2017
  •  Mortgage approvals for house purchase totaled 41,807 in August, in line with the previous six months

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

 

by C BLAKE-SYMES 22 Sep, 2017

All the team at Bristol Mortgages Online are thrilled to have been chosen as a “Best Business of 2017” for Mortgage Brokers in Bristol, by Three Best Rated.

We received this great news via an email last week stating

“Congratulations! You are now listed as one of the Top 3 Mortgage broker in Bristol. We would like to Thank You for providing consistent high quality in your area of business. Our review team either approved or updated your business listing using our 50-Point Inspection which includes everything from checking reputation, history, complaints, ratings, satisfaction, trust and cost to the general excellence”

Three Best Rated® was created with a simple goal to find potential customers and clients the top 3 local businesses, professionals, restaurants and health care providers in any city. Their specialist employees handpick the top 3 local businesses. They check business's reputation, history, complaints, ratings, satisfaction, trust, cost, general excellence using our 50-Point Inspection. They display only businesses that are verified by their specialists.

Please click here to see our listing

If you would like to book a free consultation to see why we have been chosen as the Best Mortgage Broker in Bristol and why we also have over 100 5-star Google reviews, please contact us today

For expert advice and more information or to book your FREE consultation please visit one of our websites, call or email.

You will reçoive equally outstanding service from our two Sister businesses in Bath and Exeter

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


by C BLAKE-SYMES 13 Sep, 2017

Bristol, Bath and Exeter Mortgages Online are delighted to launch their first newsletter.

The newsletter is called “Mortgage & Protection News” and contains interesting and up to date reports in each issue.

This issue includes articles of interest from First time buyers through to Buy to Let Investors.  In particular is a piece regarding dispelling some of the myths regarding Protection.

If you are an existing client or considering using us for the first time, please visit one of our websites and read through one of our 100 5-star Goggle Reviews to discover why our customer value the service we offer and come back to us time and time again.

Please click here to view or download our Autumn edition of “Mortgage & Protection News”

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

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

Or email info@swmortgages.com

 

by C BLAKE-SYMES 06 Sep, 2017

Complex buy-to-let lending changes, due to come into force shortly, could result in a 'surge' of rental stock going back on the market for sale, says Portico.

Adapted from a Zoopla article by Nicky Burridge September 4, 2017

What’s the latest?

New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let. The Prudential Regulation Authority (PRA) is tightening up the way lenders assess applications from landlords with four or more mortgaged properties. Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage.

As a result, if some of their properties do not generate enough rent to cover mortgage repayments under the so-called stress test, they may have their application rejected. Industry commentators have warned the rules could lead to landlords raising their rents and selling off unprofitable properties. Although the new rules are not due to come into force until the end of September, some lenders have already adopted them.

Why is this happening?

The rules are being introduced to ensure lenders have a full picture of a landlord’s financial exposure, in a bid to avoid riskier lending. The buy-to-let sector has been on the Bank of England’s radar as a potential threat to stability for some time. The PRA has previously introduced a tougher stress test, under which rental income must be equivalent to at least 125% of mortgage interest at a nominal rate of 5.5%, with many lenders imposing a higher level of 145%.

Who does it affect?

The move is likely to be bad news for landlords and tenants alike. Not only is it likely to be harder for landlords to qualify for a mortgage under the new rules, but they will also face a significantly higher administration burden, having to provide a full breakdown on the rental income for all their properties, a business plan and cash flow projection.

Mark Lawrinson, regional director of estate agent Portico , says: “We may see a surge of rental stock come back on the market for sale as landlords look to offload their weakest performing properties in order to get further lending on more potentially profitable properties.  The rules could also lead to an increase in rents, as landlords look to cover any shortfalls".

Meanwhile, there is speculation the new criteria could lead to some lenders ceasing to advance mortgages to portfolio landlords due to the higher level of work involved in assessing their suitability.

What’s the background?

The rule changes are the latest in a series of alterations to impact buy-to-let landlords. They come after the Government introduced a 3% stamp duty surcharge for those buying an investment property or second home.

There has also been a reduction to mortgage interest tax relief, and the 10% ‘wear & tear’ allowance has been abolished. The changes are making it harder for buy-to-let investments to be profitable, causing some landlords to stop adding to their portfolios, while others are exiting the sector altogether, exacerbating the current shortage of homes to let.

Top 3 takeaways

  • New buy-to-let mortgage rules could force rents higher and lead to a fall in the number of homes available to let
  • The Prudential Regulation Authority (PRA) is introducing new rules on the way lenders assess applications from landlords with four or more mortgaged properties
  • Under the new regime, lenders will have to look at a landlord’s entire property portfolio when deciding whether or not to grant them a mortgage

For expert advice and more information or to book your FREE consultation please visit one of our websites or contact us

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

Or email info@swmortgages.com

 

by C BLAKE-SYMES 28 Aug, 2017

This is an article updated on 7th August 2017 taken from the moyfacts.co.uk website. Money Facts has a great reputation and describes exactly the service that we offer as a fully Independent Mortgage Broker.

What does a mortgage broker do that you can't? And why should you pay for their services when there are already loads of other costs when moving home or remortgaging?

If you're asking yourself these questions, it can be more than tempting to cut out the middleman. However, you may want to think twice. Mortgage advice, from a reputable broker, can be an invaluable service – and here's why…

  You're protected

An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not up to scratch, you can complain and be compensated.

In contrast, if you go directly to a high street mortgage lender, don't take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse. (However, under the rules of the Mortgage Market Review, it's the lender's responsibility to ensure affordability – so even if you buy direct, you could have some recourse. Nonetheless, a broker can still offer a valuable layer of protection.)

A mortgage broker is qualified

There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find!

Mortgage brokers have to be qualified to give you mortgage advice, whereas you may not get that kind of guarantee if you ring up a lender's call centre. That said, new regulations mean that all call centre staff need to be advisers or must refer you to someone who is, and if you went in-branch, you'd be able to arrange an appointment with one of their mortgage advisers.

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and would be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

They know the industry

Mortgage criteria have tightened massively over the last few years, with the Mortgage Market Review being the latest, and arguably widest-ranging, development. It's been designed to ensure borrowers can prove affordability, even in the event of a rate rise, and those extra checks have understandably increased application times.

That's why it's so important to stay in the loop – and to have a mortgage broker on your side who understands it all. A broker deals with lenders on a day-to-day basis, so they'll know what the application process is like for each one and can tell you which lender can process your application with minimal delays. They also know the background criteria that a lender has and can bring this experience to bear when advising you and processing your application.

Then there's the fact that, because a mortgage broker may put a lot of business to a particular lender in a year, they can exert influence and chase things in a way you just can't do by yourself – and that can be invaluable should things get held up.

It's not just about the mortgage

A mortgage broker won't just advise you about your mortgage. They will also look at any related life insurance, payment protection and even buildings and contents insurance you have.

They will recommend insurance based on your new mortgage arrangements to make sure you are fully protected in the event of:

  • Death
  • Critical illness (such as cancer, heart attack or stroke)
  • Redundancy

Don't be put off by a fee

Mortgage advice tailored to your situation is a service. In order for the mortgage broker to be able to offer this service, they need to make money.

They do this by one or both of the following:

  • Charging a fee. This could be a one-off fee for advice, or a fee that pays for advice throughout the term of your mortgage (if you need to remortgage, move home, etc.).
  • Commission. Lenders and insurers may decide to pay the mortgage broker commission for putting your business their way.

Where can I find out how much my mortgage broker makes?

Mortgage brokers are required to provide you with a Key Facts document about their services that details any fees or commission they charge or earn.

You will also be provided with a Key Facts Illustration (KFI) about the specific mortgage being recommended. Details of your broker's fees can be found in section 8 of the KFI. Details of any commission earned by your broker for introducing your business to the mortgage lender can be found in section 13 of the KFI

The value of advice

Mortgages are a lot more difficult than they first appear. Knowing what rate, term, lender, features and insurance to get are all time-consuming and complex matters.

Comparing mortgages on a site like Moneyfacts.co.uk is a good place to start – it's great to get an idea of what's out there. But choosing a mortgage is a process far more complicated than simply opting for the lowest rate or the best incentives.

A mortgage broker takes your whole circumstances into account to recommend a suitable product, and it's that thorough, professional look at your finances that makes advice well worth paying for.

Extra Information about us….

Bristol Mortgages Online, Bath Mortgages Online and Exeter Mortgages Online, are completely Independent Mortgage Brokers, we deal with the Whole Market. We offer a FREE initial Consultation, should you wish to proceed with the advice and recommendations given, our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Mortgages and Equity Release products will vary. Our fees include full administration and progressing support, from our fully qualified team, right the way through to completion.

For more information or to book your FREE consultation please visit one of our websites or contact us

www.bristolmortgagesonline.com   0117 325 1511 email info@swmortgages.com

www.bathmortgagesonline.com       01225 584 888 email info@swmortgages.com

www.exetermortgagesonline.com   01392 690 888 email info@swmortgages.co m


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