Using your HTB ISA or LISA towards your deposit

Bristol, Bath and Exeter Mortgages Online always recommend a Fully Protected Mortgage As an experienced Mortgage Broker, we are not only mortgage specialists, but we can also access a huge selection of providers for your insurance protection needs too.

The buy-to-let market in 2025 is evolving, and with changing tax rules, shifting demand, and rising costs, landlords need more than just a good property. You need a clear financial strategy and the right mortgage to match.

Welcome to our August 2025 Newsletter!

With many households feeling the pressure of rising mortgage bills, finding ways to reduce monthly payments has never been more important. Whether you’re coming to the end of a fixed-rate deal or just looking for financial breathing room, there are smart, practical steps you can take to lower your costs.

We specialise in providing mortgage solutions for expat clients. Phil has over 30 years of experience in working with Expat clients, and now that Bristol Mortgages Online is a trading style of Manor Mortgages, we have an even greater choice of products to offer.

The Bank of England cuts interest rates from 4.25% to 4%, with effect from today, 7 August 2025. It's the Bank's fifth cut since last August, and takes the cost of borrowing to its lowest level for more than two years The decision was widely expected.

We hope you enjoy this Newsletter. If you have any queries, please call Phil Clark on 0117 325 1511 or email info@swmortgages.com

Having highly satisfied clients and an excellent reputation is key to our philosophy here at Bristol Mortgages Online. Many of our new clients choose us as they have been recommended or referred to us. Our excellent 5-star reviews on Google reassure potential clients that we are professional people to deal with! Take

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.