Award-winning mortgage brokers in Bath
Fox Davidson are an award-winning Bath mortgage broker.
We are property finance specialists and secure finance for local, national and international clients wishing to finance property and land in Bath.
We can finance property and land in personal names, in a pension or a corporate entity including offshore structures.
We work in all areas of Bath, including Bath city centre, Oldfield Park, Bear Flat, Walcot, Widcombe, Batheaston, Bathampton, Claverton, Combe Down, Odd Down, Lansdown, Larkhall, Weston, and Southdown.
Property finance in Bath
The property market in Bath is diverse. We have and continue to fund property for use as a main residence, commercial business premises and investments and buy to let property including many students let properties.
Our offices in Bath are centrally located in Queen Square. We prefer to meet with clients to provide face to face mortgage advice and are the only mortgage advisor in Bath with master broker access to enders providing face to face mortgage advice on all types of property finance.
Using a Bath mortgage broker will ensure you secure the best possible terms and will ensure that the process is completely managed to ensure that the funds you require are drawn down in your expected timescales.
Buy-to-let finance in Bath
Bath is an attractive proposition for property investors due to its large student population and young professionals commuting to Bristol and London.
We can finance single-unit residential property, student HMOs and multiple units under one freehold.
The typical rental yields in Bath are higher than London and similar to Bristol.
For high net worth clients with income above £100,000, we can finance property using a blend of personal income and rental property income to achieve high loan to values of up to 80% of the property value.
Please read our complete guide to HMOs
Commercial property finance in Bath
Bath is well known for its independent retailers as well as its larger employers in the legal, wholesale, care and public sectors.
We have worked with many business owners in the are to finance their business premises, either for the first time or as an expansion to their existing business premises.
Funding for business premises can be agreed up to 80% loan-to-value and at very competitive rates of interest.
We work with private banks, high street commercial lenders and exclusive lenders priding funding through mortgage brokers only.
For commercial investors, we can secure equally market leading terms of finance for commercial investment property.
Property development finance in Bath
We are Bath’s leading property development finance broker.
We work with SME builders and developers to secure finance for the conversion, refurbishment and ground-up new build of residential and commercial property in Bath.
We finance developments using conservative senior debt lenders that will typically lend to 65% of GDV through to mezzanine funders and JV funders that can finance 95% or 100% of all costs.
The lender required will depend on your experience, the type of development, the loan size and the amount of cash you have to put into the development.
Typical lending terms for property development finance in Bath:
- 80% loan to costs including 100% build costs
- Up to 100% of costs using mezzanine and JV funding
- Rates as low as 3.75% over base rate
- We can secure lending that will make a difference to your ROI
- Terms including exit fees based on the loan amount rather than GDV and no fees for non-utilisation of interest.
Why use a Bath mortgage broker?
Using a mortgage broker will save you time, money and usually a lot of stress. We only specialise in property finance.
We don’t pretend to be experts at anything other than securing the best possible finance terms for lending secured on property and land.
Using a Bath mortgage broker gives you access to local brokers that work with local lenders that know the local area and can provide insight and opinion on your purchase and the finance options available to you.
We also have excellent relationships with local property professionals including planning officers, estate agents, solicitors and financial advisers and wealth managers.
We work hard to ensure we are the leading mortgage broker in Bath and are proud of our achievements, including the 2017 Money Age award for Best UK Mortgage Broker and the 2018 Mortgage Strategy award for Best UK Mortgage Broker.
For award-winning mortgage advice in Bath and the surrounding areas, contact us to discover how we can help you and your clients to fund property and land in Bath.