Mortgage Broker Bristol
Need some friendly advice?
Looking for a moving house mortgage can be a daunting task, that’s why here at Your Certified Expert our friendly team are happy to answer any questions you may have.
Our certified mortgage brokers are all accredited .
With finance being heavily regulated, the advice you receive will be from a certified broker.
What you need to know about mortgages in Bristol.
When considering a mortgage in Bristol, it’s important to understand the local property market, mortgage options, and relevant factors. Here’s what you need to know:
- Property Prices: As of late 2023, the average property price in Bristol is around £370,000. Prices vary significantly depending on the neighbourhood and property type.
- Types of Properties: Bristol offers a mix of Victorian and Edwardian houses, modern apartments, terraced homes, and new builds.
To secure a mortgage in Bristol, understand the local housing market, manage deposit requirements, and choose the right mortgage type. Assess your affordability, explore lender options, and prepare for additional costs such as legal fees and Stamp Duty.
Types of Mortgages
- Fixed-Rate Mortgages: Provide stable payments over a set term, making budgeting easier.
- Variable-Rate Mortgages: Payments fluctuate with changes in interest rates, including tracker mortgages linked to the Bank of England base rate.
- Interest-Only Mortgages: You pay only the interest each month, with the principal due at the end of the term. This type is less common and carries more risk.
- Buy-to-Let Mortgages: For purchasing rental properties, typically requiring a larger deposit and meeting specific criteria.
Local Property Trends
- Popular Areas: Consider neighborhoods like Clifton, Redland, and Southville, each with different characteristics and price points.
- Investment Potential: Bristol’s strong economy, university presence, and transport links make it an attractive area for property investment.
- Clifton – Known for its historic charm, upscale homes, and proximity to the Clifton Suspension Bridge.
- Redland – Offers a mix of Victorian and Edwardian homes with a leafy, residential feel.
- Southville – Popular for its vibrant community, local markets, and proximity to the waterfront.
- Bedminster – Features a diverse range of housing and a lively, up-and-coming atmosphere.
- Stokes Croft – Known for its artsy vibe, independent shops, and vibrant street life.
- Cotham – Offers a mix of period properties and modern amenities with a central location.
- Westbury-on-Trym – Known for its village-like atmosphere, green spaces, and good schools.
- Kingsdown – Features a blend of historic and modern properties with a close-knit community feel.
- Bishopston – Offers a family-friendly environment with good local services and green spaces.
- Easton – Known for its diverse community, vibrant culture, and more affordable housing options.
Get a new mortgage quote today.
Office
4 Royal Crescent Second and Third Floor, Cheltenham
Contact
Open Hours
Monday & Saturday: 8am — 6pm
Sunday: 11am — 4pm
