Think You Have An Unmortgageable Property?

Caz Blake-Symes • July 9, 2025

Here at Bristol, Bath and Exeter Mortgages Online, we are delighted to take on a CHALLENGE!

Being a trading style of  Manor Mortgages, who have access to Lenders and Products that are beyond the reach of the majority of Mortgage Brokers.


So, with the combined knowledge from Phil’s vast experience and the extensive range of products available to us, we will try and source you the most suitable mortgage for your specific situation.

We like to say YES to our clients, regardless of their situation

If yooperty falls into one of these categories, give Phil a call today!

  • on-standard construction
  • Properties near pubs, clubs, or takeaways
  • Semi-commercial units
  • Homes with annexes
  • Agricultural ties
  • Proximity to rivers
  • Low EPC ratings
  • Grade-listed buildings
  • Large acreage


Contact Phil today!

Call 0117 3251511

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.

Check out our May Newsletter!

By Caz Blake-Symes • May 19, 2026
This latest edition of our newsletter includes the following articles Remortgage v Product Transfer Why Choose an Expert Mortgage Broker The perfect Partner for First-time Buyers Helpful Mortgage Products from the Family Building Society Time to Remortgage? Plus lots more.. Click here to check it out.

How the Family Building Society and Bristol Mortgages Online Can Help You Own Your Home Sooner

By Caz Blake-Symes • May 14, 2026
Getting onto the property ladder-or even moving up it-can feel like an uphill battle in today's market. Between rising property prices and strict lending criteria, many buyers find themselves just short of the finish line. At Bristol Mortgages Online, we pride ourselves on finding innovative solutions for our clients.

A Guide to Bridging Loans from Bristol Mortgages Online

By Caz Blake-Symes • May 5, 2026
The UK property market moves fast, and sometimes the perfect opportunity doesn't wait for your current house to sell. Whether you’re a homeowner looking to secure your next dream property before selling your current one, or a developer eyeing an auction property that needs a quick turnaround, traditional mortgages ofte

Why Choosing an Expert Mortgage Broker Makes All the Difference

By Caz Blake-Symes • April 28, 2026
Buying a home is likely the biggest financial commitment you will ever make. Whether you are a first-time buyer stepping onto the ladder, a homeowner looking to remortgage, or a seasoned investor expanding a buy-to-let portfolio, the process can often feel like a maze of jargon, paperwork, and fluctuating interest rate

Your First Key to the Door: Why Bristol Mortgages Online is the Perfect Partner for First-Time Buyers

By Caz Blake-Symes • April 11, 2026
Taking that first step onto the property ladder is one of the most exciting milestones of your life—but let’s be honest, it can also feel like navigating a maze blindfolded. Between deposit requirements, credit checks, and legal jargon, the process is daunting.

Why Interest Rates Are Rising Again

By Caz Blake-Symes • March 26, 2026
Recent global developments, including escalating tensions in the Middle East, have started to influence financial markets and, in turn, UK mortgage rates. Understanding how these events filter through to borrowing costs can help you make more informed decisions.

Remortgaging vs. Product Transfers Our Guide

By Caz Blake-Symes • March 17, 2026
If your current mortgage deal is coming to an end, you’ve likely started hearing the words "remortgage" and "product transfer" thrown around. In today’s shifting economic climate, making sure you are on the best possible mortgage rate is more important than ever.

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