Premier Mortgage
& Financial Services

Trusted mortgage solutions and reputable financial services from a friendly, reliable family-operated business in Bath

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We’re here for your mortgage,
financial planning & protection needs

Whether you’re buying a property, saving for your future, or protecting your family, our team will be with you every step of the way. From answering your questions and explaining technical jargon to finding straightforward solutions, we’ll help you achieve all your financial goals.
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Mortgages

Tailored mortgage solutions and expert guidance. Simplify high-end property ownership and get the right mortgage for your unique requirements.
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Development

We provide trusted property development services, bridging finance and exit finance solutions to ensure your development needs are met.
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Protection

Life happens, and it pays to be prepared. We offer a range of protection solutions including family income benefit and life insurance for peace of mind.
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Our Accreditations & Partners

IMPARTIAL FINANCIAL ADVICE

Whether you’re a first-time buyer or a seasoned property developer our team will find you the very best deal.

Our experienced financial, insurance and mortgage advisors take real pride in offering impartial advice, so you’ll have the peace of mind that your best interests are at the heart of everything we do.

Based in Bath, we enjoy getting to know our clients and listening to their requirements to ensure we provide the right financial solutions every time.
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5-Star
Service Every Time

Don’t just take our word for it
– read the recent testimonials from our satisfied customers…

COMMONLY ASKED QUESTIONS

How does refinancing work, and when should I consider it?

Refinancing or remortgaging involves replacing your current mortgage with a new one. This could be with the same lender, or a new lender all together. There are many reasons that people remortgage, such as the fixed or variable rate you were on is coming to an end, and/or you want to reduce or increase your level of borrowing. Knowing when to refinance depends on factors like interest rates, market conditions, personal circumstances and your financial goals. For example, your family may be growing, and you need to borrow more to complete a loft conversion or extension.


What is a Decision In Principle, and why is it important?

A Decision In Principle is a preliminary assessment of your eligibility for a mortgage. It provides a clear picture of your budget when house hunting and demonstrates to sellers that you are a serious buyer. This can be used to take to an estate agent to prove that you have had professional advice.


How much should I save for a deposit?

The deposit requirement varies, but it's typically a percentage of the home's purchase price. Understanding the minimum down payment and aiming for a larger down payment can affect your mortgage terms and monthly payments. However, there are scenarios when you may not need any deposit at all. For example if you are buying as a ‘concessionary’ purchase i.e you are buying from a family member or friend that is selling the property under market value. One of the other options is that you can leverage off one of your properties, or a family member may be able to leverage off one of their properties to provide the gift.


What is the impact of my credit score on mortgage rates?

Your credit score significantly influences the interest rates you qualify for. A higher credit score generally results in access to lower interest rates, potentially saving you money over the life of the loan. It is not as straight forward as using your credit score number for Experian, Equifax or Call Credit, these are just for indicative purposes, as lenders that credit score will use their own scoring profiles, whilst other lenders will simply look at the content on your credit report. A number of key areas that can impact on your credit profile are: being registered on the electoral roll, having a UK credit history, credit card utilisation, debt to income, missed payments or adverse credit.

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Fixed-rate or variable-rate mortgage: Which is better for me?

Choosing between fixed and variable rates depends on your risk tolerance, financial goals, market conditions and personal circumstances. Understanding the pros and cons of each option can help you make an informed decision. 


How much should my personal insurance cost me?

Personal insurance costs depend on various factors, including age, health, coverage type, and amount. Discussing your specific circumstances with an insurance advisor can help you determine the appropriate coverage and associated costs, but it is essential to be considering this cost as part of the mortgage cost.


Why is it important to have a high net worth specialist mortgage adviser?

High net worth individuals often have complex financial situations. A specialist mortgage adviser with experience in handling substantial financial portfolios can provide tailored advice to meet the unique needs of clients with high net worth. For example, many advisers will assume that if a product does not come up on their sourcing system then this isn’t an option, for example a common explanation is if you are borrowing over £1 million then you need at least a 25% deposit. This is in fact incorrect, some of the high net worth specialist lenders will only need a 5% deposit, but without an adviser used to these cases this can very easily be overlooked.


Do I need to be employed to get a mortgage?

While employment status is a crucial factor, some lenders may consider other income sources such as freelance work or investments. Understanding the employment requirements is vital for those with non-traditional income. However, in certain instances such as Buy-To-Let mortgages some lenders do not even require an income.


How much can I borrow for a mortgage?

Lenders assess your borrowing capacity based on factors like income, credit history, and existing debts. Understanding your maximum borrowing limit helps you set a realistic budget for your home purchase. However, how lenders interpret your income differs from lender to lender, and this makes the need for a good adviser all the more important to ensure they understand how to navigate the difference both correctly and appropriately.


Why should I use a mortgage broker?

A mortgage broker can offer access to a wide range of lenders and loan products, potentially securing better terms and rates than an individual might find on their own. Brokers also provide personalised advice and guide you through the entire mortgage process. Not only this but they will also advise you on the most suitable way to finance, and a good adviser will leave you well informed and confident that you have a plan.


eco-friendly technologies in your home

Renewable energy solutions encompass environmentally friendly technologies designed to be installed in homes, enabling the generation and storage of power from sustainable sources. These solutions harness abundant natural resources like sunlight, wind, air, water, and biomass to produce energy. Examples include solar photovoltaic (PV) panels and air-source heat pumps. Incorporating renewable energy solutions into your […]
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outgrowing your space

Choosing between improving your current home or purchasing a new one is a decision that requires careful consideration and effort. If your family is growing, your workspace is encroaching on shared areas, or your living spaces feel cramped, it may be time to upgrade your living situation. However, deciding whether to renovate or relocate is […]
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moving costs increase by 24%

Whether you're embarking on the journey of homeownership for the first time or you're a seasoned mover, having a grasp of the expenses involved in moving home is essential. While the prospect of starting a new chapter in a different location is exciting, it's crucial to maintain a clear understanding of the financial commitments. Moving […]
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