Some of our most recent 5-star Google Reviews - Summer 2022

Caz Blake-Symes • September 14, 2022

All the team at Bristol, Bath and Exeter Mortgages Online are exceptionally proud of the number of 5-star Google and Facebook reviews that our Bristol operation has received.
As of September 2022 we have received an incredible 224 5-star Google reviews and 58 5-star Facebook Reviews. This number of 100% 5-star reviews ranks us as the best Mortgage Broker in Bristol, way ahead of any other brokers.

Here are some of the reviews, received the past couple of months

CR

Phil and the whole team have been amazing from start to finish! Having quite a complicated mortgage/remortgage situation on my hands, I could have easily opted to sell my current home for an easy life. But Phil and the team were there step by step and have made the process beyond easy for me. Before speaking to Phil I didn’t know I could even afford to retain my current home and still buy the type of new house I really wanted. Because of him and the team, my old house will pay for itself and a hefty chunk of my new mortgage! All that and they are great people too, Phil in particular! He is super warm and funny, and nothing is to much! Thanks so much to Phil and the team for all your hard work! I’m super grateful.

YB

As a first-time buyer, I was recommended to the Bristol Mortgages Online and never regret once. Thanks to Russell and his team for helping us through this our new chapter. Very responsive, friendly, and top professional. Couldn’t recommend enough!

AJB

Russell Green acted as our mortgage advisor during a recent house purchase. Over a period where there was substantial fluctuations in lending rates, Russell was able to secure us a fantastic deal on both a residential mortgage and a buy to let mortgage. Russell was extremely helpful, informative, and professional throughout. Very much recommended.

SS

Phil and the team arranged my mortgage several years ago. The fixed term was coming to an end but the team contacted me well in advance to discuss options open to me. Following their excellent advice I was able to obtain a new 5 year fixed rate deal before interest rates started to rise. Due to their pro-active approach this will save me a considerable sum of money over the remaining term. It is very refreshing to deal with a company where you have complete confidence in the advice they provide. Phil and the team kept me up to date with the progress of my application from start to finish. If you need mortgage advice, then the only place to go is "Bristol Mortgages Online" Highly recommended - 5 stars well and truly deserved.

RA

Russell and the team at Bristol Mortgages Online have been fantastic! Everything was handled promptly and professionally. I would highly recommend them - always someone to answer a question by email or by phone. It took some of the stress away from the house buying process.

SA

Russell and his team supported me and my partner through our house purchase. Russel was always happy to answer any of a question, and clearly explained the processes as we went along. We would highly recommend Bristol Mortgages Online.
These reviews praise the excellent advice and service provided by all our Advisers as well as the excellent service that our Mortgage Processing and Admin team provide with individuals frequently being mentioned.
As a fully independent broker, we pride ourselves on the expert, highly experienced and professional advice that we offer. Our reputation is also being enhanced by the first-class support we give to all our clients whether they are buying for the first time, remortgaging, moving house or building an investment portfolio.
We would like to thank all our clients who have taken the time to leave these reviews for us. They not only mean a great deal to us personally but also help any future clients when deciding to use us as their Mortgage Broker. 


For further details about the services we offer as a fully independent mortgage brokers or any other mortgage information book your FREE CONSULTATION with one of our expert Mortgage Advisers, please 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

      Email info@swmortgages.com



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PHIL CLARIN FRONT OF BANNER

Celebrating 17 Years of Bristol Mortgages Online!

By Caz Blake-Symes • June 13, 2025
We are thrilled to be celebrating our 17th Anniversary this week. Phillip Clark founded Bristol Mortgages Online in 2008.
areial view of houaes

Zoopla’s House Price Index Report: May 2025

By Caz Blake-Symes • June 5, 2025
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.

Check Out Our May Newsletter!

By Caz Blake-Symes • May 29, 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…

Will mortgage rates go down in 2025?

By Caz Blake-Symes • May 17, 2025
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.

Helping a Family Member Onto the Property Ladder

By Caz Blake-Symes • May 12, 2025
Sky high house prices, high cost of living, student loans and rising rent costs mean that getting on the property ladder is challenging. But the desire to own a home remains strong for many young adults. Now, the affectionately known ‘bank of mum and dad’ (or bank of other family members) may wish to lend or give money for deposits and other house purchase costs. Our expert Mortgage Advisers will be able to discuss all options available to suit your specific family’s situation.

Base Rate cut to 4.25%: what it could mean for UK mortgages

By Caz Blake-Symes • May 10, 2025
The Bank of England has voted to reduce the Base Rate by 0.25% for the second time this year, taking it to 4.25%. Base Rate was held at 4.5% in March after it was cut by 0.25% in February.

Boost to buying power from changes to affordability tests

By Caz Blake-Symes • May 1, 2025
Adapted from Zoopla’s April 2025 Housing report I mage: The analysis uses average house prices from the house price index and for first-time buyers to assess mortgage payments at different mortgage rates applied to a 30- year mortgage, at different loan-to-values. One emerging trend that we expect to positively support market activity in the coming months is a relaxation in how lenders assess the affordability of new mortgages. While buyers focus on the mortgage rate they will pay, lenders also check whether the borrower can afford a 'stressed mortgage rate' at a higher level than the borrower will pay. ​ While the average 5-year fixed rate mortgage is around 4.5% today, many lenders are currently 'stress testing' affordability at 8-9%. This makes it harder to secure a mortgage without a large deposit. If average mortgage stress rates were to return to pre-2022 levels of 6.5% to 7%, this would deliver a 15-20% boost to buying power. ​ An average first-time buyer with mortgage repayments of £1,020pcm at a 4.5% mortgage rate would typically have to prove they could afford monthly repayments of £1,550pcm at an 8.5% stress rate. If the stress testing is relaxed to 6.5%, repayments would fall to £1,275pcm, boosting buying power. It's a similar pattern for the average homeowner, while the actual impact will vary by lender and type of borrower. ​ This change would consequently supporting demand and sales volumes, helping to clear the stock of homes for sale, rather than boosting house prices. Other existing rules and regulations that remain in place will continue to impact the availability of mortgage finance.  Comment from Phil Clark “This is potentially very exciting news and will give borrowers a greater choice of products if these rules are relaxed. Regardless of whether you are a First-time Buyer, Looking to move, remortgage or invest in property, there are a huge range of competitive mortgage deals on the market. I will be delighted to discuss your specific requirements and offer you the most suitable deal!” Please call Phil on 0117 3251511 or email info@swmortgages.com For more information about the Mortgage and Protection products we offer, please visit www.bristolmortgagesonline.com Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Buy-to-let mortgage searches rose sharply in March

By Caz Blake-Symes • April 15, 2025
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Stamp duty information

Stamp Duty Changes Effective 1 April 2025

By Caz Blake-Symes • April 10, 2025
There have been some important changes to the legislation regarding Stamp Duty Land Tax with effect from 1 April 2025.
Time to remortgage

Check Out Our March Newsletter!

By Caz Blake-Symes • March 31, 2025
This edition includes fantastic new mortgage products, updated guides for those with adverse credit, 17 great tips to follow before making and application and lots more. If you need help with any of the items covered, please call Phil on 0117 325 1511.
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