Bath & City Financial

Too many lenders, too much choice.

The more options you have, the harder it is to choose. This is certainly true in the case of mortgages.

• Fixed or variable?
• Capital repayment or interest only?
• Discount for 1,2,3,4,5,10, 25+ years?
• What fees and charges get added?
• Flexible mortgages options?
• What about offset?
• Should I consolidate other debts into my mortgage?
• Should I get cash back?
• Linkage to ISA, unit trusts or pensions?
• Which lender?

With all of that choice it’s tempting to go for the cheapest rate that jumps out at us in the High Street. Or the internet. Or the best buy tables in the Sunday papers. And then we worry that if it looks too good to be true, it probably is.

All in all, it’s a bit of a minefield

Independent mortgage advice

If you go to a lender then you’ll only be able to choose from their mortgage range, which might not contain the mortgage that’s exactly right for you. Although Bath & City Financial is a part of the Bath Building Society Group, we are under no obligation to advise you to take a Bath Building Society mortgage. In fact, we offer you the choice of all of the mortgages available from all lenders and will recommend a mortgage that is suitable for you.

We won’t charge you for our advice

And if you go to a broker, the chances are you will pay a fee for their advice. At Bath & City Financial we will not charge a fee for the mortgage advice we give you. On mortgages, we are paid commission directly by the lender, typically 0.35% of the mortgage loan.

* In the main, mortgage introducers (including Bath and City Financial) are paid commission direct by the lender, typically 0.35% of the mortgage loan. This can be paid as a fee if you would prefer

	Payment for arranging the mortgage*	Payment for giving advice
Many brokers
Bath and City Financial

The mortgage that’s right for you

We’ll discuss your current situation with you in detail, and - using our advanced technology that lets us monitor the entire UK mortgage market - we will recommend a mortgage that best matches your current needs and your future plans.

We can also

• Plan your mortgage alongside your other financial matters to make sure it matches the needs of yourself and your family.
• Advise on re-mortgaging- when it makes sense and when it doesn’t
• Guide you through the pitfalls of buy-to-let, second home and other investment property purchases

Call 01225 475700 or drop into Bath & City Financial at 3 Wood Street to fix an appointment with a consultant.

It’s what we’re here for- straightforward help in a complicated world