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Our Mortgage Broker Guide to getting a mortgage in Bath

The mortgage application process has 4 stages regardless of which mortgage lender you use:

    1
    Approval/Decision in Principal (AIP/DIP)
    2
    Mortgage in Principal (MIP)
    3
    Mortgage Valuation
    4
    Mortgage Offer

Read about the full mortgage process here - What is the mortgage process?

Mortgage Broker Bath Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Keep your credit utilisation low

As a rule of thumb, you should use less than 50% of your available credit on any credit card.

Once you start taking up more than 50% of available credit, prospective lenders will generally start to take a dimmer view of your financial management skills.

Capped Mortgage

These are a form of variable rate mortgage with the incentive that although repayments can go up or down, they can only rise upwards to an agreed level. If they fall, your repayments reduce in size.

The cap, however, might be set relatively high, meaning you should still plan carefully, and the term during which the cap operates might be fixed; if it is, there may be hefty early repayment charges if you leave before the term has finished.


Bath is a city in the Bath and North East Somerset district of Somerset county in South West England. It is world famous for its preserved, Roman-built baths and is widely regarded as one of the most beautiful cities in the UK. Bath Abbey, originally a Norman church itself built on earlier foundations, is a great landmark. It was built in the early 16th Century and has flying buttresses.

The Royal Crescent is very famous and always looks splendid. The Holborne Museum in Sydney Pleasure Gardens in Great Pulteney Street is an excellent collection of fine and decorative art exhibits in a Grade I listed building and admission is free. Bath also has a university - the University of Bath.

BA1 1AJ

Property Price Stats for Bath


Average property price in Bath £406,279
% Change compared to last year 10%
Population of Bath 83,992 (2001)


The property price data is sourced from the Land Registry's UK House Price Index and you can view up to date property prices by clicking - Land Registry House Price Index >> Land-Registry

Mortgage Broker Bath - Recently Completed

  • Hanover Terrace, Bath, Bath & North East Somerset, BA1 6LJ
  • Northgate Street, Bath BA1 1AJ
  • 2 Bath Street, Bristol, BA3 2EF
  • Moorland Rd, Bath BA2 3PW
  • Bradford Rd, Combe Down, Bath BA2 5BP

Local High Street Banks in Bath

Mortgage Broker in and around Bath

Our Bath mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bristol, Weston-super -Mare, Trowbridge, Chippenham, Keynsham, West Bromwich and Tormarton.

Which banks are local to you?


  • Lloyds Bank Plc - Oldfield Park Bath, 23 Moorland Rd, Bath BA2 3PW
  • Barclays Bank Plc - 4 - 5 Southgate St, Bath BA1 1AQ
  • Natwest Bank Plc - 15 High St, Bath BA1 5AH

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Information about Mortgages


Watch our video to find out how to organise your mortgage and funding for your purchase.

Find a Home Mortgage

Whole Market Access

Our mortgage broker has access to the whole of the market as our home loan brokers aren't tied to any particular mortgage providers.

Best Mortgage Advisors

FREE mortgage consultations for Bath

Mortgage Brokers Bath offering free first consultation (terms apply).

Access Mortgage Providers Quickly

Fast mortgage appointments

With no need for face to face meetings you'll be called on the same day by one of our mortgage specialist brokers to discuss your circumstances and can support complex applications for Help to Buy, Right to Buy and Shared Ownership mortgages

Independent Mortgage Broker

Impartial Mortgage Advice

You'll have access to the whole of the market as our mortgage brokers aren't tied to any one mortgage company.

Book a Free Mortgage Broker Consultation

Bath Mortgage Broker Insider Tips

Selling? 'No chain' means less chances for delays..

If an estate agent tells you that, regarding a potential buyer, there is 'no chain', it means that that buyer doesn't have to sell another property in order to buy yours.

The more 'links' there are in a chain, inevitably there are more chances for delays as there are more people who have to coordinate any purchase with a balancing sale.

Click to get your FREE Fixed Fee Conveyancing Solicitors Quote
*Fixed Fee – No Sale No Fee – On all Major Lender Panels
Conveyancing Process
FREE Online Conveyancing Process for Buyers

Includes online checklists, videos, downloads and tips - plus it is completely free to use from start to finish and saves your progress along the way.