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    Bath Mortgage Brokers.

    At a glance, here are the Top 10 Mortgage Brokers in Bath:

     

    L&C MortgagesBeazer House, Lower Bristol Rd, Bath BA2 3BA0808 292 3434enquiries@landc.co.ukhttps://www.landc.co.uk/
    Watson Financial3 Fountain Buildings, Bath BA1 5DU01225 789880N/Ahttps://www.watsonfinancial.co.uk/
    THE TOP DOG MORTGAGE COMPANY Ltd3 PRINCES ST, QUEEN SQUARE, BATH, BA1 1HL01225 430556info@topdogmortgages.co.ukhttps://topdogmortgages.co.uk/
    My Mortgage Maker2nd & 3rd Floors, Northgate House, Upper Borough Walls, Bath, BA1 1RG01225 962 532info@mymortgagemaker.co.ukhttps://www.mymortgagemaker.co.uk/
    Premier Financial Planning4 Queen Street, Bath, BA1 1HE01225 581 222info@premfp.comhttps://premfp.com/
    Morgan Financial Group Ltd41 Gay St, Bath BA1 2NT01225 429471info@mfgl.comhttps://www.mfgl.com/

     

     

     

    mortgage brokers bath

     

    What does a mortgage broker in Bath actually do?

     
    A mortgage broker in bath is a professional who helps individuals find and secure the most suitable mortgage for their needs and financial situation. Their main responsibilities include:
    • Listening to the client’s requirements and assessing their financial circumstances to determine the appropriate mortgage.
    • Gathering necessary documentation such as pay slips, bank statements, ID, and proof of deposit.
    • Checking that the client meets the lender’s criteria and can afford the mortgage.
    • Researching the market to find the best mortgage deals available.
    • Recommending the most suitable mortgage product and lender.
    • Assisting with the mortgage application process and liaising with the lender on the client’s behalf.
    • Providing ongoing support and updates throughout the mortgage process until completion.
    • Reviewing the client’s mortgage when it comes up for renewal to ensure they are on the best deal.
    There are two main types of mortgage brokers in the UK: independent brokers and tied brokers. Independent brokers can access mortgages from the entire UK market, while tied brokers are restricted to certain lenders. Using a mortgage broker, especially for first-time buyers, can increase the chances of securing a mortgage and finding the best value deal.
     
     
     

    What are the benefits of using a mortgage broker in Bath?

     

    The key benefits of using a mortgage broker in the UK are:

    1. Access to a wider range of mortgage deals and lenders. Brokers can search the entire mortgage market to find the best deals, rather than being limited to a single lender’s products.
    2. Expertise and guidance throughout the mortgage process. Brokers can provide advice tailored to the client’s financial situation and long-term goals, and help navigate the complex mortgage application.
    3. Time and effort savings. Brokers handle the research, paperwork, and communication with lenders, allowing the client to focus on other aspects of buying a home.
    4. Increased chances of mortgage approval. Brokers know which lenders are most likely to approve different types of applications, and can negotiate on the client’s behalf.
    5. Potential cost savings. Brokers can identify deals with lower interest rates, fees, and other costs that may not be available to individual borrowers.
    6. Ongoing support and reviews. Brokers can provide assistance even after the mortgage is secured, such as when it comes time to remortgage.

    In summary, using a mortgage broker in the UK can save time, money, and stress, while also increasing the chances of securing the most suitable mortgage for the client’s needs.

     

     

    What documents are required to apply for a mortgage through a broker in Bath?

     
    The key documents required to apply for a mortgage through a broker in Bath are:
    1. Proof of identity and address:
      • Passport or driving license
      • Recent utility bill, bank statement, or council tax bill showing your current address.
    2. Financial documents:
      • Last 3 months’ bank statements.
      • Last 3 months’ payslips if employed, or last 2 years’ tax returns/accounts if self-employed.
      • Details of any existing credit cards, loans, or mortgages.
      • Proof of deposit, such as savings account statements.
    3. Additional documents:
      • Proof of residency and nationality if you are not a UK citizen.
      • Copies of current mortgage statements if remortgaging.
      • Details of any employee benefits like death-in-service or sick pay.
      • Copies of the last 2 years’ contracts if you are a contractor.
    The mortgage broker in Bath will guide you on exactly which documents are required based on your specific circumstances. Providing all the necessary documentation upfront can help streamline the mortgage application process.
     
     
     
    Quick facts about Bath?

    Bath is the largest city in the county of Somerset, England, known for and named after its Roman-built baths. In 2019, the population was 101,106. Bath is in the valley of the River Avon, 97 miles west of London and 11 miles southeast of Bristol.

     

    More Information about Bath

     

    Population94,092 (2021 Census)[1]
    DemonymBathonian
    OS grid referenceST750645
    • London97 miles (156 km) E
    Unitary authority
    Ceremonial county
    Region
    CountryEngland
    Sovereign stateUnited Kingdom
    Post townBath
    Postcode districtBA1, BA2
    Dialling code01225
     
    PoliceAvon and Somerset
    FireAvon
    AmbulanceSouth Western
    UK Parliament
     
    Official nameCity of Bath
    CriteriaCultural: i, ii, iv
    Reference428
    Inscription1987 (11th Session)
    Area2,900 ha
    Part ofGreat Spa Towns of Europe
    CriteriaCultural: ii, iii
    Reference1613
    Inscription2021 (44th Session)
    List of places
    UK
    England
    Somerset
    51.38°N 2.36°W

     

     

     

     

     

    Bath postcodes and villages.
    BA1BATHBath north of the Avon, Batheaston, BathfordBath and North East Somerset
    BA2BATHBath south of the Avon, Farmborough, Timsbury, Peasedown St John, Wellow, Hinton Charterhouse, Norton St Philip, Freshford, Limpley StokeBath and North East Somerset, Mendip, Wiltshire
    BA3RADSTOCKRadstock, Midsomer Norton, Holcombe, ColefordBath and North East Somerset, Mendip
    BA4SHEPTON MALLETShepton MalletMendip
    BA5WELLSWellsMendip
    BA6GLASTONBURYGlastonburyMendip
    BA7CASTLE CARYCastle Cary, Ansford, Alford, LovingtonSouth Somerset
    BA8TEMPLECOMBETemplecombe, Henstridge, HorsingtonSouth Somerset
    BA9BRUTON non-geographic[3][4]
    BA9WINCANTONWincanton, Penselwood, Cucklington, Holton, YarlingtonSouth Somerset
    BA10BRUTONBruton, Pitcombe, Redlynch, BrewhamSouth Somerset
    BA11FROMEFromeMendip
    BA12WARMINSTERWarminsterWiltshire
    BA13WESTBURYWestburyWiltshire
    BA14TROWBRIDGETrowbridgeWiltshire
    BA15BRADFORD-ON-AVONBradford-on-Avon, Winsley, Westwood, Monkton Farleigh, South WraxallWiltshire
    BA16STREETStreet, WaltonMendip
    BA20YEOVILYeovil (centre and south)South Somerset
    BA21YEOVILYeovil (north), MudfordSouth Somerset, Dorset
    BA22YEOVILYeovil (west), East Coker, West Coker, Ilchester, Sparkford, Marston Magna, Halstock, Stoford, Clifton MaybankSouth Somerset, Dorset

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