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Our Mortgage Broker Guide to getting a mortgage in Bristol

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 Bristol Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Disassociate from previous partners with poor credit ratings

Being financially associated with someone with a poor credit rating lowers yours in turn. If you've split up, you should ensure that credit agencies know about the split.

You do this by filling out a disassociation form: do this for each of the 3 main credit reference agencies.

Offset Mortgage

With any form of offset mortgage the applicant normally has a linked account which bears interest and this interest is offset against the interest payable on their mortgage loan, making repayments cost less.

The flip side is that interest rates charged on these mortgages may be higher than normal and, of course, the income from interest on the linked account can no longer be used for any other purpose.


Bristol is a city and also a county in the south west of England. Landmarks include the Coopers Hall, the Colston Hall and Kings Weston House.

Bristol has two universities; the University of Bristol and the University of the West of England. It also has an international airport.

You can see engineer Isembard Kingdom Brunel's work in the Clifton Suspension Bridge across the Avon Gorge. Ashton Court park nearby is often used by hot air balloon enthusiasts in the warmer months.

BS14 0UD

Property Price Stats for Bristol


Average property price in Bristol £259,388
% Change compared to last year 8%
Population of Bristol 428,100 (2011)


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 Bristol - Recently Completed

  • Abbotts Close, Whitchurch Close, Bristol, BS14 0UD
  • 21 Luckwell Road, Bristol, BS3 3EW
  • 2 Bath Street, Bristol, BA3 2EF
  • 157 East St, Bristol, Avon BS3 4EJ
  • 689 Wells Rd, Bristol, Avon BS14 9HU

Local High Street Banks in Bristol

Mortgage Broker in and around Bristol

Our Bristol mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bath, Emersons Green, Bradley Stoke, Yate, Portishead, Clacton on Sea and Clevedon.

Which banks are local to you?


  • Triodos Bank - Deanery Rd, Bristol BS1 5AS
  • Lloyds - 44-45, George White St, Bristol BS1 3BA
  • Barclays - 86 Queens Rd, Bristol BS8 1RB

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

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

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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

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

Bristol Mortgage Broker Insider Tips

Book your mortgage valuation as soon as you've had your offer accepted

If you're buying with a mortgage, you won't be able to complete unless the funds have come through to your solicitor. You have to apply for a mortgage, be accepted/get a mortgage in principle but then, once you've had an offer accepted, your mortgage lender has to value the property and only after this, assuming all goes to plan, do you get your mortgage offer with funds in readiness.

You can therefore minimise lost time by booking your mortgage valuation on the day you have an offer accepted. It may take around a week or so for the valuation survey to take place, then you have to allow for a few days to elapse before you have your offer. If you delay, the whole process slows down. 

Additionally, if there's any issues, like your lender undervaluing your property or making you a conditional offer, there might be further delays.

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