Business Details
26 Years
experience
Bath Mortgage Search Experts
Established in 2000 by Chris Nicholson and Sarah, Bath Mortgage Search was founded to provide honest, practical guidance through the complex mortgage landscape. Initially serving the Bath area, we have expanded nationally while maintaining our personal approach. With Chriss background in financial services at institutions like Barclays and Prudential, alongside his independent brokerage experience since 2000, we combine industry expertise with a commitment to individual client needs. Our success, evidenced by growth from 10 to 168 mortgages annually, stems from prioritising transparency, professionalism, and community engagement. We treat all clients equally, offering bespoke solutions whether you are a first-time buyer, homeowner, or investor.Our services include product switches, remortgages, buy-to-let mortgages, and secured loans, with referrals to specialists when needed. We charge transparent fees, refunding them if we cannot secure your mortgage. Beyond mortgages, Chris leads local environmental initiatives like The Great Avon River Pick, reflecting our dedication to community well-being. Regulated by the Financial Conduct Authority (FCA number 301070), we ensure compliance and trust. Our goal is to build lasting relationships, guiding clients through their mortgage journey with clarity and integrity.
Services
First-Time Buyer Mortgages
Remortgage Services
Buy-to-Let Mortgages
Product Transfer Mortgages
Secured Loans
Insurance Brokering
Details
- Year established: 2000
Highlights and features
- We offer 23 years of mortgage advisory experience since 2000.
- Our services are regulated by the Financial Conduct Authority.
- Transparent fee structure with refunds if mortgages aren't secured.
- Personalised approach tailored to individual financial circumstances.
- Active community engagement through environmental initiatives.
Associations and certifications
- Financial Conduct Authority
Services
First-Time Buyer Mortgages
Guiding first-time buyers through property purchases with tailored mortgage solutions. We simplify the process by assessing eligibility, comparing lenders, and negotiating competitive rates. Our transparent advice ensures clients understand all costs and requirements, making homeownership accessible and stress-free.
Remortgage Services
Helping homeowners secure better mortgage terms through remortgaging. We analyse existing agreements, compare market rates, and facilitate smooth transitions to new lenders. Our expertise reduces paperwork, potentially lowering monthly payments or unlocking equity for home improvements.
Buy-to-Let Mortgages
Specialised financing for property investors, including HMO mortgages. We navigate complex rental assessments to secure competitive deals, advising on portfolio limits and tax implications. Our service simplifies buy-to-let acquisitions and portfolio management.
People
Chris Nicholson
Founder & Mortgage Adviser
Chris founded Bath Mortgage Search in 2000 after working at Barclays and Prudential. With a Business Administration degree and CeMAP certification, he combines technical expertise with community-focused values. He leads local litter cleanups and environmental campaigns alongside mortgage consultancy.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, guiding clients through eligibility criteria and deposit requirements.
Can I remortgage if my current deal is ending soon?
Yes, we’ll review your existing lender’s rates and recommend remortgaging if better terms are available, minimising paperwork.
Do you charge fees for mortgage advice?
Our fees start at £95 for product transfers, with refunds if we can't secure your mortgage.
Are buy-to-let mortgages available for multiple properties?
We advise on buy-to-let mortgages, including HMO loans, with portfolio limits up to five properties.
