Business Details
26 Years
experience
Your Trusted Mortgage Brokers in Bath
Established in 2000 by Chris Nicholson and Sarah, Bath Mortgage Search has built a reputation for providing honest, practical mortgage advice. Initially serving the Bath area, we now assist homeowners and first-time buyers nationwide. Our approach prioritises client needs, offering tailored solutions through a deep understanding of the mortgage market. With over two decades of experience, we combine expertise in navigating complex financial products with a commitment to transparency and client education. Our services span first-time purchases, remortgaging, buy-to-let investments, and secured loans, supported by partnerships with leading lenders.We maintain strong relationships with solicitors, surveyors, and insurance providers to streamline the mortgage process. As an FCA-regulated firm, we adhere to rigorous standards of professionalism and ethical conduct. Our community involvement, including environmental initiatives like The Great Avon River Pick, reflects our dedication to social responsibility. We pride ourselves on accessible, jargon-free communication, ensuring clients feel informed and empowered throughout their mortgage journey.
Services
First-Time Buyer Mortgages
Remortgaging
Buy-to-Let Mortgages
Product Switches
Further Advances
Secured Loans
Insurance Services
Referral Services
Details
- Year established: 2000
Highlights and features
- We have over 20 years of experience in mortgage brokering.
- Our FCA regulation ensures adherence to strict professional standards.
- We offer transparent fee structures with no hidden costs.
- We provide nationwide coverage while maintaining local market knowledge.
- Our community involvement demonstrates ethical business practices.
Associations and certifications
- Financial Conduct Authority
What people say
Transparent fee structures
Exceptional customer support
Local market expertise
Services
First-Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process, offering tailored advice on available schemes and competitive rates. Our service includes property affordability assessments, lender comparisons, and application support. With expertise in government-backed initiatives like Help to Buy, we simplify the journey from initial enquiry to mortgage approval.
Remortgaging
Our remortgaging service helps clients secure better rates or adjust loan terms. We analyse existing deals, compare market options, and manage the transition process. This includes product transfers with minimal paperwork or full lender changes for improved terms, ensuring clients maximise savings while meeting financial goals.
Buy-to-Let Mortgages
We provide expert advice on buy-to-let mortgages, including portfolio management and HMO financing. Our service covers rental assessment calculations, tax implications, and lender-specific criteria. With market knowledge spanning major providers, we help investors secure competitive rates while complying with regulatory requirements for property portfolios.
Product Switches
Our product switch service facilitates seamless transitions to new mortgage deals with existing lenders. We handle documentation and eligibility checks, minimising administrative burdens. This cost-effective solution allows clients to update rates or terms without full reapplication processes, maintaining continuity while optimising financial arrangements.
Further Advances
We assist clients in securing further advances for home improvements or other needs through existing lenders. When unavailable, we explore remortgaging or secured loan options. Our service includes affordability assessments, documentation preparation, and lender negotiations to ensure clients access funds efficiently while maintaining financial stability.
People
Christopher Nicholson
Founder & Mortgage Broker
Chris established Bath Mortgage Search in 2000 after a financial sector career with Barclays and Prudential. He holds qualifications including CeMAP and CertPFS, combining technical expertise with community-focused service. His commitment to transparency and environmental initiatives like The Great Avon River Pick reflects his ethical approach to business.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let financing, product switches, and further advances, supported by insurance and referral services for complex cases.
Are your fees transparent?
Yes, our fees are fixed and clearly stated: £395 for purchases, £295 for remortgages, and £95 for product transfers, with no hidden charges.
How do you find competitive mortgage rates?
We compare deals from multiple lenders and use our market expertise to negotiate terms tailored to your financial circumstances and property goals.
Can you help with buy-to-let mortgages?
Yes, we specialise in buy-to-let financing, including portfolio management and HMO mortgages, with knowledge of rental assessment requirements and tax implications.
What areas do you serve?
While based in Bath, we provide mortgage services nationwide across the UK, combining local expertise with national market knowledge.
