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Our Mortgage Broker Guide to getting a mortgage in Frome

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 Frome Tip 1
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Mortgage Broker Tip 1

Mortgage BrokerTip 2

Regularly moving house can affect your credit score

You will often be asked “Have you lived at this address for longer than 3 years?” because if you haven’t been registered at one address for a long period of time this can have a negative effect on your credit rating.

Lenders favour stability and consistency over constant change so if they see evidence of you regularly moving on your credit report they may be less likely to lend to you.

Offset Mortgage

Offset mortgages are those in which you have a savings account linked to your mortgage. The savings account you link it with will no longer receive interest, but the benefit is you don’t pay interest on your mortgage up to the value of your savings account.

You only pay interest on the difference between the value within your savings and the value of your mortgage. It is possible to save thousands of pounds with this type of mortgage as you aren’t paying a lot of the interest you would be paying without this offset, so you may be able to pay off your mortgage quicker.


Frome is a picturesque town situated 13 miles south of Bath, 43 miles east of Taunton (the county town) and 25 miles southeast of Bristol. Until 1650, Frome was the largest town in Somerset, with a larger population than Bath. The economy of the town grew due to its success in the wool and cloth industry. This industry was overtaken by the metal-working and printing industries which have still not left the town.

There is transport available to Bath, Bristol, Warminster and further afield from the town which means often people live in this pleasant town and commute into the larger cities and settlements for work.

Entertainment in the town includes the Frome festival which runs each summer, the two theatres and the cinema. The two theatres are the Memorial Theatre and the Merlin Theatre; additionally there is a pub theatre which is the only one within the county.

BA11 1BS

Property Price Stats for Frome


Average property price in Frome £279,697
% Change compared to last year 8%
Population of Frome 26,203 (2014)


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 Frome - Recently Completed

  • Windsor Crescent, Frome, Somerset, BA 11 2EA
  • Portway, Frome BA11 5AR
  • Robins Ln, Frome BA11 3EW
  • High St, Rode, Frome BA11 6PA
  • Fromefield, Frome BA11 2HE

Local High Street Banks in Frome

Mortgage Broker in and around Frome

Our Frome mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Little Keyford, Great Elm, Trudoxhill, Whatley, Lullington, Standerwick and Champmanslade.

Which banks are local to you?


  • Lloyds Bank - 2-4 Bank St, Braintree CM7 1UN
  • HSBC - Great Square, Braintree CM7 1TX
  • NatWest - 47 High St, Braintree CM7 1JT

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Frome Mortgage Broker Insider Tips

Communicate using the fastest and most efficient methods.

This way unnecessary delays are avoided. It would be awful if you were ready to exchange on your property in Frome but couldn't go ahead as some documents were still outstanding in the post.

Modern society allows us to contact each other with the touch of a button, be it via email or telephone. If you have a question, it is often quicker to call. If you need to send some documents, an email with scanned attachments can be faster than the post.

If you are using the post, always use the most rapid options and make sure it is recorded or you could risk losing important, essential documents. The nominal extra cost is utterly worth it. It's important to note that a lost or even delayed document can set you back 2-3 weeks, and time is precious in a home move.

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