Bath Mortgage Broker

Often, though from a shorter list of lenders than usual. A great deal of Bath is Grade I or Grade II listed, and listing affects what alterations are permitted, how the property is valued and whether a lender will proceed at all. Specialist lenders tend to take a more considered view of listed stock than the high street does.

Usually, but two things get checked closely. These flats are leasehold in most cases, so lease length, service charges and the number of flats in the building all matter, and the listed status of the original building applies to the flat as well. It is worth establishing what you could borrow and what the lease looks like before you make an offer.

Yes. Our head office is in Queen Square in the centre of Bath, so you can meet an adviser face to face if you would prefer. Most clients find phone and video easier to fit around work, and we are happy to work either way.

No. Advice is free for every client, whether the property is a straightforward flat or a listed Georgian townhouse. The lender pays us on completion, and this payment we receive is in no way paid by yourself through the new mortgage product, it is quite simply how our industry works.