Independent mortgage brokers in Bath since 2012
The right mortgage, for one flat fee.
We search around 90 lenders for first-time buyers, remortgages, landlords and the self-employed. You pay us £395, and only when you complete.
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£395, paid on completion
One flat fee for every case. If the purchase falls through, you pay nothing.
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Around 90 lenders searched
Whole of market, including lenders that only deal through brokers.
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Agreement in principle in 48 hours
Once we have your payslips and statements, most cases have one in two working days.
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A reminder six months out
We diary the end of every fix we arrange and call you before it reverts.
What we arrange
Which mortgage are you looking for?
Five kinds of case, one fee. Pick yours to see what we need from you and how long it usually takes.
How we are paid
£395 when you complete. Nothing before.
No application fee, no fee for the agreement in principle, no fee if the sale falls through. We also receive a commission from the lender, and we tell you exactly how much before you apply.
- Lenders searched
- 90+
- Years in Bath
- 14
- Advisers
- 4
How it works
From first call to keys
Most purchases take six to ten weeks from offer accepted to completion. The lender's part is usually two to four of them.
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A twenty-minute call
Income, deposit, what you want to buy and when. By the end we can tell you roughly what lenders will offer.
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We search the market
Around ninety lenders, compared on rate, fees and whether they will actually say yes to your case.
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Agreement in principle
Usually within 48 hours of your documents arriving, so your offer is taken seriously.
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Offer to completion
We package the application, chase the lender and talk to your conveyancer every week until keys.
A typical purchase, week by week
- First call and documents Week 1
- Agreement in principle Week 1
- Offer accepted, application Week 2
- Valuation and mortgage offer Weeks 2–5
- Conveyancing to exchange Weeks 3–8
- Completion and keys Weeks 6–10
Remortgages are quicker: usually two to three weeks from application to offer, with no chain.
Calculators
Run your own numbers
Change the loan, term and rate, or try one of our example rates. The hero card at the top of the page feeds this one.
Your monthly payment
£1,186
- Total interest
- £187,062
- Total repaid
- £427,062
A rate 0.5% lower would save you £69 a month, £24,966 over the term. That is what a broker is for.
Book a free callExample rates as of 1 September 2026, for illustration only. Your rate depends on your circumstances and the lender.
Loans, car finance, card minimums, childcare.
Lenders might offer between
£280,000 – £315,000
- Homes up to about
- £350,000
- Income lenders assess
- £70,000
An illustration, not a lending decision. It uses 4 to 4.5 times income after commitments. Some lenders go higher; on a free call we tell you where you are likely to land.
Book a free callBroker or bank?
Why not just go to your bank?
Sometimes your bank is the right answer, and when it is we will say so. The difference is who is looking.
| What you get | Wickbourne | Your bank, direct | Online-only broker |
|---|---|---|---|
| Lenders you can access | Around 90, incl. broker-only lenders | One: its own | 30 to 60, varies |
| Who you deal with | One named adviser, start to finish | Whoever is on shift | A chat window, then a case handler |
| Cost to you | £395, only on completion | Usually nothing | £0 to £999, often up front |
| Complex income | Self-employed, contractors, bonuses | Standard payslips work best | Often referred elsewhere |
| If a lender declines | We go to the next one that fits | You start again elsewhere | Depends on the firm |
| When your fix ends | We call you six months before | A letter from the lender | An automated email |
Client stories
Rates our clients secured this year
- Rate secured
- 4.24% five-year fix
- The difference
- £118 a month less than their bank offered
“Our bank said £205,000. Wickbourne found a lender that counted Joe’s overtime and we bought the house we had actually viewed, not the one we could afford.”
- Rate secured
- 4.09% five-year fix
- The difference
- £236 a month less than the reversion rate
“They rang me six months before my fix ended, which I had completely forgotten about. Locked a rate in March, it dropped again in May and they switched it.”
- Rate secured
- 4.34% two-year fix
- The difference
- £41,000 more borrowing than the first lender offered
“Two years of accounts, one of them bad. The first lender averaged them; Wickbourne found one that used the latest year. Clear, patient, and quick on email.”
- Rate secured
- 4.79% five-year fix
- The difference
- £94 a month less across two flats
“Moved two flats into a company and remortgaged both. They explained rental cover properly and told me to check the tax with my accountant first, which I respected.”
Rate watch
What moved, and what it means for you
Short, dated notes from the advisers. Read them before your fix ends.
- Buy-to-let Buy-to-let: how rental cover decides what you can borrow Landlord lenders care about the rent more than your salary. A worked example of the 125% and 145% tests, and why the stress rate is not the rate you pay. 5 min read
- Self-employed Self-employed? Which year of accounts the lender uses matters more than how many Two lenders can look at the same tax returns and offer £60,000 apart. Here is why, with a worked example from a Bath sole trader. 4 min read
- Remortgage Put a reminder in for six months before your fix ends Most lenders let you lock a new rate up to six months ahead, and reverting to a standard variable rate for even one month is the most expensive accident in a mortgage. 3 min read
- Rates Why your first five years barely move the balance On a repayment mortgage the early payments are mostly interest. Here is the arithmetic, and what it means for which rate you should be arguing about. 4 min read
Questions
Buying, switching or letting?
The questions each kind of client asks us first, answered in full.
First-time buyers
- How much deposit do I need?
- Lenders start at 5% of the purchase price. At 10% the rates improve noticeably, and again at 15% and 25%. Gifted deposits from family are accepted by most lenders with a signed letter.
- When should I speak to you, before or after I find a house?
- Before. An agreement in principle takes us about 48 hours once we have your documents, and estate agents take offers more seriously when you have one.
- Does a bad credit history rule me out?
- Rarely. A missed payment three years ago matters much less than a missed payment last month. Tell us on the first call and we will choose lenders who will look at it fairly.
Remortgage
- How early can I arrange my next deal?
- Most lenders let you secure a new rate up to six months before your current one ends. If rates fall in the meantime, we can usually move you to the lower one before completion.
- Is it cheaper to stay with my current lender?
- Sometimes. We compare your lender’s product transfer with the rest of the market, fees included, and arrange whichever is cheaper over the new fix. Our fee is the same either way.
- Can I borrow more when I remortgage?
- Yes, if your income and the value of your home support it. We will show you what the extra borrowing costs each month and over the whole term.
Buy-to-let
- How much deposit does a buy-to-let need?
- Usually 25% of the purchase price. A few lenders go to 80% loan-to-value, but the rental cover test often limits the loan before the deposit does.
- Should I buy in my own name or through a company?
- It depends on your tax position, so ask your accountant. We will show you the mortgage options and costs for both, and arrange whichever you choose.
- Can I let out my current home instead of selling it?
- Yes, with a let-to-buy arrangement: a buy-to-let mortgage on your current home and a new residential mortgage on the next. We arrange both together.
Talk it through in twenty minutes.
Tell us what you want to buy or when your fix ends. By the end of the call you will know roughly what lenders will offer and what it will cost.
Calls usually booked within one working day. No cost, no obligation.
