Useful Information

Useful Information from Bristol Mortgages Online

Why Choose Bristol Mortgages Online to be your Broker?

Bristol Mortgages Online is an independent, whole of market, mortgage broker. Bristol Mortgages Online provides expert independent mortgage advice for everyone from first time buyers and for those looking to remortgage, through to experienced buy to let landlords and businesses looking to fund commercial properties. We offer expert independent mortgage advice with a personal touch, with over 25 years’ experience and the majority our clients staying with us for all their house purchases. As an independent mortgage broker we can research the best possible mortgage to meet your specific needs and ensure you receive the very best deal, best rate and terms.

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Let Us Help You Through the Mortgage & Buying Process

Bristol Mortgages Online, Bath Mortgages Online and Exeter Mortgages Online are all independent, whole of market, mortgage brokers that focus on finding a great deal and the best mortgage for you and your personal circumstances. Our expert team will guide you through the whole process, all the way through to completion.  Due to the excellent relationships we have with many lenders, we can offer the most attractive mortgages on the market, some of which are only available through broker routes. 

Your first step is  to arrange a  free initial consultation with one of our Advisers. Depending on location and availability we can either come to see you at home or you can visit us by appointment at our offices in Henleaze, Bristol or Topsham in Exeter. Your experienced, expert Adviser will deal with you on a dedicated basis from your first appointment through to completion. At your free initial consultation, our Adviser will discuss with you any specific requirements, including your current circumstances, how much you can afford and your deposit. Your current employment status and earnings plus your credit history will also have a bearing on the type of mortgages we will recommend. Our Adviser will also give you expert advice about Protection insurance and other costs.

Please click the link to view or download our Let Us Help You Through the Mortgage & Buying Process guide

Let Us Help You With Making an Offer

When you make an offer on a property, it is more likely to be accepted if it is based on your knowledge of the seller and the local market as well as the house itself. While a bit of haggling is often to be expected, do not offer so little that you enter a lengthy negotiation process, as you might lose the property altogether if someone else makes a higher bid. If there have been other offers on the property, the estate agent cannot legally tell you how much they were for, but they may indicate whether they were close to the asking price, which will also help to inform your own offer.

Please click the link to view or download our Let Us Help You Make an Offfer guide
Let Us Help You Become a Buy to Let Landlord

Bristol Mortgages Online have excellent arrangements with many specialist Buy to Let lenders that are often only accessible through Independent Mortgage Brokers like ourselves.
 We can help you from the very beginning to become a Buy to Let Investor, plus we can recommend experts that we work closely with. We will help you to:
• Find the best Buy to Let Mortgage
• Arrange for you to meet specialist Accountants for setting up your business and tax advice.
• Recommend experienced, professional and good value Solicitors for conveyancing.
• Put you in touch with Brokers for Landlord and other Insurance products.
• Help you source Investment Properties throughout the UK.
This will all start with a Free Consultation with one of our Expert Mortgage Advisers.

Please click the link to view or download our Let Us Help You to become a Buy to Let Landlord guide
Let Us Help You Buy at Auction

Property auctions are usually planned well in advance, with auction houses publicly releasing a catalogue of 'lots' (properties) to bidders ahead of the auction date. Most auction houses publish their catalogues around a month before the auction, but some leave it until as little as two weeks before. Each property will be listed with a 'guide price', which is what it's expected to sell for. Sometimes the seller will also set a 'reserve price', which is the lowest price they will accept, but this is usually kept private until the auction has ended. 

Please click the link to view or download our Let Us Help You Buy at Auction guide
Let Us Help You to Arrange Your Conveyancing

We are able to offer our clients a choice of local solicitors at comparatively discounted costs. They are local and approachable, giving you the reassurance when buying or remortgaging. We have worked with these professional conveyancing experts and can recommend their services. Please contact us to provide you with a quote so you can see the saving.

.Please click the link to view or download our Let Us Help You to Arrange Your Conveyancing guide
Let Us Help You to Arrange a Survey

One in five home buyers rely solely on a mortgage valuation report, so it’s no surprise that many are hit with repair bills once they move in. Getting a survey can help avoid the stress and cost of making repairs further down the line. Choose a survey based on the condition of the property itself, not the cost of the survey. Money spent on a decent survey can save you a fortune in the future.

Please click the link to view or download our Let Us Help You with Arranging a Survey guide
Let Us Help You Understand More About Stamp Duty 

Please click the link to view or download our Let Us Help You Understand More About Stamp Duty guide

Let Us Help You Arrange Your Protection & Insurance Cover

We always recommend a Fully Protected Mortgage
As an Independent Mortgage Broker, we are not only mortgage specialists, but we can also access the whole market for your insurance protection needs too. Many banks and building societies and estate agents are “tied” to one insurer, and therefore cannot compete with an Independent specialist like us on cost or benefits as they only offer one product. This is a complex area and, in our view, is sometimes a more important decision than the mortgage. Whereas a mortgage deal may only last two or three years, the right protection could last the whole term! 

Please click the link to view or download our Let Us Help You Arrange Your Protection & Insurance Cover guide

Gifted Deposits - An Essential Guide

A gifted deposit is a sum of money that is typically given by a family member forming all or part of a deposit for somebody wanting to buy a property. It is possible for friends to gift money to enable someone to buy a property, but is less favourable for lenders.

Please click the link to view or download our Gifted Deposits - An essential  guide

Useful Information to bring to Your First Free Consultation

We can book a free consultation for you with one of our Expert Mortgage Advisers to discuss any of your mortgage, life cover or house buying requirements.
The first consultation will usually take between an hour to an hour and a half. We will gladly come to you at home or if suitable, your place of work. In Bristol, our offices are at Henleaze House, BS9, Exeter offices are in Fore Street, Topsham EX3 and Bath are in the High Street.BA1.
There are some items that we ask you to bring with you to speed up the process of getting you an Agreement in Principle or progressing your Mortgage Application.

Please click the link to view or download our Useful Information for Your First Appointment guide

Useful Information about the Help to Buy Scheme and ISA

You only need a 5% deposit thanks to Help to Buy, and with the recent changes to Stamp Duty, it’s so much easier to get the home you want for less. Start your search now and Contact Us today for help with financing your purchase.

Please click the link to view or download our Useful Information  about the Help to Buy Scheme guide
For more help and advice on any of our services

Call Bristol Mortgages Online now on 0117 325 1511

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