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Your home may be repossessed if you do not keep up repayments on your mortgage.

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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.


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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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FREE mortgage consultations for Cotham

Mortgage Brokers Cotham 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.

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How to get a mortgage - or remortgage - in Cotham


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.

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

  • Approval in principal (AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage Offer

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

Mortgage Broker Tip 

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.
Top Mortgage Lenders 

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.
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

RECENTLY COMPLETED MOVES IN Cotham

  • 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

Find a mortgage lender near you:
Our mortgage broker specialises in the local area and have completed house surveys in Clifton, Stokes Croft, St Paul's, St Werburgh's, St Andrew's, Montpelier and Ashley Down.


  • 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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Information about Mortgages


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

Mortgage Broker Tips for the Conveyancing Process

Consider booking your searches as soon as you have an offer accepted

If you're buying a property with a mortgage, your lender will normally expect you to book four standard property searches (local authority, environmental, chancel indemnity and drainage) and you are advised to get searches anyway so you have as much information on your property as possible.

Although you could choose to delay getting your searches to space out your conveyancing-related payments, you are more likely to save time on your conveyancing if you do not.

Your solicitor needs the information detailed in the searches as part of their extensive checks on the property you're looking to buy. As soon as they have this, the quicker they can carry these out and the sooner you'll be able to exchange contracts with the vendor, all going well.

Should you or the vendor choose to pull out of the sale for any reason, the searches can be sold on to any other prospective buyer of the property in question.

Click to find out more about property searches

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