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Our Mortgage Broker Guide to getting a mortgage in Cotham

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 Cotham Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Try not to use all of the possible credit available to you

To credit agencies, a person who has taken up all available credit can look overextended financially.

This can negatively affect a credit rating as the person will be regarded as statistically more likely to miss payments or make them late.

Family Deposit Mortgage

With family deposit mortgages, a family member places cash in a linked special savings account to help another family member secure a mortgage to buy a home and where the money in the account is held as security against the mortgage not being paid off.

The cash is held for a fixed period of time, which can be quite long (many years). The risk is that the mortgagor defaults on repayments so the helper family member's money is at risk. However, savings interest is payable on the linked account, even if at a comparatively low rate, and if the correct repayments are made, there's no other cost to the helper family member.


Cotham is an inner suburb of Bristol located in the southwest of England. Cotham is located in an urban residential area with large old houses, many of which are used as hotels and bed and breakfast accommodations.

Nearby places to visit include Saint Michael’s Hill and Windmill Hill City Farm as well as restaurants such as Cotham Porter Stores, which is a traditional pub in Bristol popular for serving local ale, ciders and pies.

BS6 6LD

Property Price Stats for Cotham


Average property price in Cotham £386,201
% Change compared to last year 0%
Population of Cotham 12,554 (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 Cotham - Recently Completed

  • Elmgrove Road, Cotham BS6 6AH
  • Roslyn Rd, Bristol BS6 6NJ
  • Waverley Road, Redland, Bristol BS6 6ES
  • Cotham Brow, Bristol BS6 6AS
  • Southfield Rd, Bristol BS6 6AY

Local High Street Banks in Cotham

Mortgage Broker in and around Cotham

Our Cotham mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Clifton, Stokes Croft, St Paul's, St Werburgh's, St Andrew's, Montpelier and Ashley Down.

Which banks are local to you?


  • HSBC - 149 Whiteladies Rd, Bristol BS8 2RA
  • TSB - 36-38 Merchant St, Bristol BS1 3EP
  • Barclays - 86 Queens Rd, Bristol BS8 1RB

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Cotham Mortgage Broker Insider Tips

Get your buildings insurance sorted in time for exchange of contracts!

According to the law, you are responsible for buildings insurance as a buyer of a property from the point of exchange. You should therefore have this in place to give you security against any disaster which might affect the fabric of your new property.

You should therefore plan for this in advance and organise your buildings insurance to start on the day you exchange. Click if you wish to get a buildings insurance quote.

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