The Benefits of Choosing Us to be Your Mortgage Broker

Caz Blake-Symes • October 7, 2017

“Expert Mortgage Advice from Professionals You Can Trust”

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

Understanding Mortgage Affordability in 2026

By Caz Blake-Symes • February 16, 2026
we enter 2026, mortgage affordability remains one of the biggest concerns for homebuyers and homeowners alike. With interest rates, living costs, and lending criteria continuing to evolve, understanding what lenders look at when assessing affordability is more important than ever.

First home, faster with My First Mortgage from Santander

By Caz Blake-Symes • February 9, 2026
On 3 February, Santander are the first large lender to launch a First-time Buyer Mortgage over 95% LTV. It’s called My First Mortgage and is up to 98% LTV. Supporting FTBs is a key focus for us whilst lending responsibly.

Check out our January 2026 Newsletter!

By Caz Blake-Symes • January 19, 2026
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

Thinking of Moving or Changing Your Mortgage in 2026?

By Caz Blake-Symes • January 6, 2026
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

Season's Greetings from Phil Clark

By Caz Blake-Symes • December 20, 2025
I would like to wish you and your family a very Merry Christmas and a Happy and Healthy 2026

Base rate cut to 3.75%: what could it mean for mortgages?

By Caz Blake-Symes • December 18, 2025
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%.

House Price Index: November 2025

By Caz Blake-Symes • December 8, 2025
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

Check out our November newsletter!

By Caz Blake-Symes • November 28, 2025
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

Budget 2025: Key points at a glance

By Caz Blake-Symes • November 27, 2025
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.

Interest-Only Mortgages For Later Life

By Caz Blake-Symes • November 19, 2025
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.