Expert Mortgage and Protection Advice in Chippenham and Wiltshire
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Lansdown Financial Services was founded to provide expert mortgage and protection advice alongside genuinely attentive service. Our advisers bring over 80 years of combined experience, working with first time buyers through to high net worth clients with sizeable property portfolios, and whole-of-market access.
Our Chippenham mortgage brokers keep the jargon to ourselves and explain each stage as it happens, so you always know where you stand.
Buying in Chippenham raises questions a general mortgage guide will not answer. These are the ones we hear most often from clients across Chippenham and Wiltshire, whether they are buying their first home, moving up the ladder or remortgaging.
Yes. We are based in Bath, and advice is given by phone and video rather than across a desk in a branch. That means appointments can sit outside normal office hours and there is no travelling involved. We work with clients throughout England and Wales, Chippenham included.
Often yes, though fewer lenders will consider one. Chippenham has a high concentration of listed Regency and Victorian property, and listing affects how a property is valued, what work can be carried out and whether a lender will lend at all. We search over 70 lenders to find the ones that will consider yours, including specialist lenders outside the high street.
Most lenders look for at least 5 per cent, though the rate you are offered improves as the deposit grows. What matters more is affordability against the property price, and Cheltenham values sit above the Gloucestershire average, so it is worth checking what you could borrow before you start viewing.
No. Every client receives fee-free advice, in Chippenham and everywhere else we operate. The lender pays us once your mortgage completes, so nothing comes out of your deposit or your moving budget.
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