Mortgages & Remortgaging · Bath

Mortgage advice, whole-of-market.

Independent advice on the largest financial commitment most clients ever make. Purchase, remortgage, buy-to-let — with access to lenders who don’t deal with the public directly. For business owners and senior executives across Bath, Bristol and the South West.

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£200k
the interest on a £300,000 repayment mortgage at 4.5% over 25 years. The right deal, not just the headline rate, is what keeps that number down.
Illustrative. Try your own numbers in the calculator below.
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A mortgage is the largest financial commitment most people ever make. Getting the right one isn’t about the headline rate — it’s about the whole deal, over the whole term.

A quick illustration

What would the repayments be?

Set a loan, a rate and a term to see the monthly payment and what you’d repay over the life of the mortgage. Illustrative, not a quote — your actual deal depends on the lender and your circumstances.

£300,000
£0£750k£1.5m
4.5%
0.5%9%
25 years
5 yrs40 yrs
Repayment type
Monthly payment
£1,667 / month
On a repayment basis, each payment clears the interest and chips away at the capital.
CapitalInterest
Loan amount£300,000
Rate & term4.5% over 25 yrs
Total interest£200,249
Total repaid£500,249

Illustrative only — not advice, a forecast or a quote, and it does not include fees, insurance or any other cost of the deal. Assumes a single fixed rate for the whole term; in reality rates change at the end of each deal, and your actual payment depends on the lender, the product and your circumstances. On an interest-only basis the payments shown do not reduce the amount you owe, and the full loan remains repayable at the end of the term from a separate repayment strategy. Your home may be repossessed if you do not keep up repayments on your mortgage.

i. · What this includes

Whatever the situation, the right lender.

Whole-of-market access, including lenders only available through brokers.

i.

Residential purchase

First-time buyers and home-movers, with whole-of-market access to find the right lender for your circumstances.

ii.

Remortgage

At the end of a fix, a clear comparison against staying put — shown in pounds and pence, not percentages.

iii.

Product transfers

Where staying with your current lender is the better deal, I’ll tell you, and arrange it.

iv.

Buy-to-let & let-to-buy

Portfolio and first-time landlords, including the lenders and criteria that suit rental property. Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

v.

Complex income & adverse credit

Self-employed, contractor and less-than-perfect-credit cases, placed with lenders who understand them.

vi.

Joint borrower, sole proprietor

Arrangements that help family help each other onto the ladder, without the tax pitfalls.

ii. · Who this is for

If any of these is you, it’s worth a look.

—First-time buyers with deposits ready
—Anyone coming to the end of a fixed rate
—Self-employed and contractor clients
—Landlords building a portfolio
—Couples whose plans have changed since the last mortgage
—Anyone unsure whether to fix, track or stay put
iii. · My approach

The saving, in pounds and pence.

Whole-of-market — including lenders only available through brokers. Every recommendation is shown against your existing lender’s offer, so you see the saving in pounds and pence.

I don’t push protection alongside the mortgage as a condition. If cover is right for your situation, it’s a separate conversation, handled properly.

The job is the right mortgage, with the right lender, at the right total cost — and an honest answer when staying put is the better call. If you do want to look at cover, protection planning is a conversation in its own right, and the mortgage sits inside the wider picture alongside retirement planning and everything else in the plan.

— Andrew

iv. · Common questions

Mortgages, in plain English.

It depends on your appetite for certainty and the gap between fixed and variable rates at the time. A fix buys predictable payments; a tracker can be cheaper but moves with rates. I’ll talk you through the trade-off for your situation, not a house view.
Usually at least 5% of the purchase price for a residential mortgage, and the permanent Mortgage Guarantee Scheme introduced in July 2025 supports lending at 91% to 95% of the property value for first-time buyers and home movers. More deposit generally means a better rate, and the sharpest deals tend to start around 40%. For buy-to-let, lenders typically want around 25%, occasionally less for established landlords. I’ll match the deposit you have to the lenders most likely to lend.
You roll onto the lender’s standard variable rate, which is almost always more expensive, so the payment can jump sharply. Most deals can be arranged three to six months ahead, and a rate secured early can usually be swapped if a better one appears before completion. It is worth starting the conversation well before the fix expires rather than the month it does.
Yes. Lenders vary widely in how they treat self-employed and contractor income, so the right lender matters more than ever. Whole-of-market access means placing you with one that understands your accounts.
Sometimes, but it needs care. The monthly payment is lower because it only covers the interest — the amount you borrowed does not reduce at all, and the whole loan falls due at the end of the term. Lenders will only offer one where you have a credible, evidenced plan for repaying the capital, and speculative plans are not accepted. It can suit some buy-to-let and some higher-net-worth cases; for most residential borrowers, repayment is the safer structure.
I’m clear about any fee before you commit, and you’ll always see it alongside the saving. Many cases are arranged with no broker fee to you, paid instead by commission from the lender on completion. Before any work starts I will confirm in writing what you would pay, when it is payable and whether any of it is refundable, together with the amount of any commission the lender pays me.
You can, but your bank only offers its own deals. Whole-of-market advice compares those against the rest, including lenders that don’t deal with the public — often for a better result.

This page, and the calculator on it, are general educational information about mortgages. They are not personal advice and do not take account of your individual circumstances. The figures are illustrative and not a quote.

Your home may be repossessed if you do not keep up repayments on your mortgage. The actual rate, payment and total cost depend on the lender, the product and your circumstances. On an interest-only mortgage the payments do not reduce the amount borrowed, and the full loan must be repaid at the end of the term from a separate repayment strategy.

Some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Scope of service and how I am paid. Before any mortgage work begins I will confirm in writing whether there are any limitations on the mortgages I am able to consider for you, the basis on which I am paid — including any fee you pay and the amount of any commission paid to me by the lender — and the availability of alternative finance options.

Andrew Daw is an Appointed Representative of Saltus Wealth Partnership Limited (FCA FRN 449607), trading as Duchy IFA. For UK residents only.

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