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Our Mortgage Broker Guide to getting a mortgage in Trowbridge

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 Trowbridge Tip 1
Top Mortgage Lenders

Mortgage Broker Tip 1

Mortgage BrokerTip 2

Time is the greatest healer when it comes to bad credit

As long as you develop good habits where credit is concerned, even serious black marks such as bankruptcy recede over time.

Don't apply for credit until serious issues have left your file but once they have, assuming you are handling your finances correctly, you should have built up a good enough score to get credit – the main rules are always to make your repayments on time and never to take on credit that you don't need.

Fixed Rate Mortgage

After receiving your mortgage loan, your repayments on a fixed rate mortgage are fixed at an agreed rate for an agreed period. You gain by knowing that the repayment figure won't change during the period and so can budget more easily for it.

The disadvantage is that the fixed rate is normally higher than for a variable rate mortgage. Additionally, if you want to leave the deal early, you may have to pay a very large early repayment charge (you don't have to do this with a variable rate) and when the fixed period ends, your loan is normally converted to one where repayments are determined by the lender's standard variable rate.


Trowbridge is the county town of Wiltshire and located around 8 miles south east of Bath, with the Mendip Hills lying between the 2 locations. It's a pleasant market town which was historically at the forefront of cloth production and the area has been farmed on for more than 3,000 years. Landmarks include Clark's Mill (now home of the County Court) and Handle House, both of which were associated with the cloth trade, its town hall with its Italianate clock tower, and St James's Church, a Grade I listed Anglican church, which was originally built in the mid-10th century.

BA14 8DA

Property Price Stats for Trowbridge


Average property price in Trowbridge £251,351
% Change compared to last year 5%
Population of Trowbridge 33,108 (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 Trowbridge - Recently Completed

  • Meridian Walk, Trowbridge, Wiltshire, BA14 9SX
  • The Gables, 50 Cock Hill, Trowbridge, Wiltshire, BA14 9BQ
  • 26 Conigre Square, Trowbridge, Wiltshire, BA14 8LJ
  • 1a Roundstone St, Trowbridge BA14 8DA
  • 72 Brook Rd., Trowbridge, BA14 9DL

Local High Street Banks in Trowbridge

Mortgage Broker in and around Trowbridge

Our Trowbridge mortgage broker can help you with your mortgage app;lication locally or in any of the surrounding areas including Bradford-on-Avon, Avoncliff, Yarnbrook, Staverton, Westbury, Southwick and Ditton Marsh.

Which banks are local to you?


  • Barclays - 3 Fore Street, Trowbridge BA14 8HY
  • Lloyds - 64 Fore Street, Trowbridge, BA14 8EU
  • HSBC - 46 Fore Street, Trowbridge BA14 8EL

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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.

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FREE mortgage consultations for Trowbridge

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

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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.

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Trowbridge Mortgage Broker Insider Tips

Let your mortgage lender know if you are needing to work to a deadline.

  • If you are using a mortgage to purchase your home in Trowbridge and want to get completed quickly, your mortgage lender should be able to advise you on whether or not this is possible. This could influence your mortgage lender and the mortgage product itself.
  • Taking a mortgage out can be a protracted process, especially since the Mortgage Market Review introduced greater restrictions, so it is important to get your valuation completed as soon as you can. 
  • This can be ordered via your bank or mortgage adviser and it can take around 2 weeks to receive the valuation. 
  • Please note the mortgage valuation and a building survey are two different things.

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