Whether you’re buying your first home, climbing the property ladder or looking to remortgage, we make the whole process simple. As your Bath mortgage broker, we search the market to secure you the most competitive rate then handle everything from start to finish, saving you time, money and a whole lot of stress.
We’re proud to officially be the number one mortgage advisor not only in Bath but also the whole of the South West for customer service, as well as the second best in the entire UK! Fingers crossed for one better next year 🤞
With access to more than 28,000 mortgage products from over 100 different lenders, we’ll be able to secure you an interest rate that keeps the most money possible where it belongs: in your pocket! 💷
We’ll support you with as much of the home buying process as we can by handling paperwork, recommending and dealing with solicitors, and even negotiating with Bath-based estate agents on your behalf. 🏠
Because we always have your best interests at heart, you need to know that your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.
Whether you’re a first-time buyer searching for a flat in Combe Down or Twerton, a growing family looking to upsize to a beautiful period townhouse in Bathwick, or a property investor exploring student buy-to-let opportunities, we’ll guide you through every step of the mortgage journey. We’ll find the right solution for your circumstances and help put the keys to your next property in your hands.
Even if your credit history isn’t perfect, your deposit is smaller than you’d like, or you’ve recently become self-employed, don’t worry. Whatever your circumstances, we’ll find youa way forward.
A quick conversation with one of our Bath mortgage brokers is all it takes to understand your options. There’s no obligation, no initial cost, nor any jargon, just straightforward advice tailored to you.
We’ve helped hundreds of first-time buyers take their first step onto the property ladder, purchasing flats and terraced homes in popular areas such as Twerton, Larkhall, Oldfield Park and Combe Down. With access to a wide range of first-time buyer schemes, we’ll help you find a solution that maximises affordability and secures a competitive monthly payment.
With direct trains to London Paddington in as little as 90 minutes, Bath has become an increasingly popular choice for professionals who commute to London a few days a week. It offers the perfect balance of a more relaxed city lifestyle, beautiful surroundings, and the opportunity to retain a London-based career and salary.
Whether you’re looking for more space, hoping to be closer to one of Bath’s outstanding schools, or simply ready for a change of scenery, we” help you secure your next home. From elegant period townhouses in Bathwick to characterful terraces in Walcot, we’ll guide you through every step of your move to ensure you face no stress during this exciting new chapter.
Bath is home to one of the highest concentrations of high-net-worth retirees outside London. Whether you’re downsizing to a beautiful apartment on one of Bath’s iconic crescents or a Lansdown townhouse, we’ll be there to support you every step of the way. With access to a wide range of later-life mortgage solutions, we’ll help you secure financing that suits your circumstances and future plans.
Home to both University of Bath and Bath Spa University, Bath has a student population of around 25,000, creating consistent demand for rental accommodation. If you’re considering investing in a HMO or student BTL property, our specialist advisers can help you identify the right mortgage solution and structure your investment to maximise both short-term returns and long-term profitability.
Royal Crescent, The Circus, Lansdown Crescent, The Paragon, Camden Crescent and many more iconic addresses make Bath one of the UK’s most desirable places to live. If you’re a high-net-worth individual seeking a home in one of these prestigious locations, we can provide tailored mortgage advice and access to specialist lenders, helping you secure the right funding solution.
If you’ve landed on this page, the chances are you already know the value of having a mortgage broker by your side throughout your home buying journey.
However, many brokers stop at securing your mortgage, leaving you to manage the rest yourself. The result? Delays, confusion, and unnecessary stress.
We take a completely different approach. From your first enquiry to completion day, we’re by your side every single step of the way:
Absolutely amazing service from start to finish. They replied to every message so quickly and made the whole experience feel really personal. I originally found the whole process of getting a mortgage intimidating, but they made everything so easy to understand. Right up to the day of the sale, we received weekly email updates, which was incredibly reassuring. Truly outstanding service.
Adele Sanford
Home Mover
Louis goes above and beyond. He’s polite, patient and explain things clearly and concise. He provides reassurance, especially when you’re new to the process. He’s flexible and has worked around family to support meetings at times that suit us. Louis has helped us more than anyone else in our moving house journey and I could not recommend him enough! Thank you so much for all your support.
Molli Jones
Home Mover
I recently had the pleasure of working with Janek on the purchase of my first home. As a first-time buyer stepping into the unknown, I had many questions and Janek answered every single one clearly and patiently. Janek was incredibly supportive throughout the process, always willing to work around my busy schedule and never once making me feel rushed. He made the whole experience far less stressful than I expected.
Jack Tucker
First-Time Buyer
I would highly highly recommend The Levels and will be recommending to anyone I know in the future! I feel so thankful and lucky that Nikki was my mortgage advisor, I couldn’t have asked for anyone more better! Nikki provided me with a lot of support and always kept me updated all the way through my application. Nikki was extremely patient with me and made sure I was financially stable before I agreed to anything.
Yasmin Knott
First-Time Buyer
The levels were professional, responsive and I trusted them completely to guide me to make the best decision for myself. I will highly recommend them to anyone looking for help with a mortgage. I cannot praise Luke enough, he was friendly, excellent at communicating and made me feel at ease throughout the whole experience. Luke was always at the end of the phone and the Teams calls we had felt relaxed, productive and informative.
Kate New
Home Mover
We get it, almost every mortgage broker calls themselves ‘award-winning’, so it’s easy to ask yourself if that actually means anything. Well, the ESTAS awards are a bit different. They’re based entirely on rigorously verified reviews from real people who have bought their first home or moved home in the past 12 months.
Oh, and it’s not just a handful or reviews either, there were over 15 million of them! So, when we say our customer service is the best not only in Bath but the whole of the South West, we really can back that claim up.
Everyone likes to know they’re getting the best deal, right? Nobody wants to be spending more than they should. With our vast network of lenders, we’ll secure you the most competitive rate for your situation so that you can keep more money in your pocket each month.
However, securing you a great rate now is just the start of our job. We’ll monitor your mortgage 24/7 throughout your entire fixed term and alert you the moment a better deal becomes available, so you’ll never stop saving as much money as you possibly can.
Bath is calling your name, and we’re going to get you there. Book your free, no obligation chat with a Bath mortgage broker to talk through your options. We know life gets busy, so as well as standard working hours, we’re also available for evening and weekend appointment – whatever works best for you!
Honestly, it’s a bit unfair how much Bath has going for it. Where else can you stroll past Roman ruins on your way to a world-class restaurant, then spend the weekend hiking in the nearby Cotswolds?
The Georgian architecture is the kind of thing that makes visitors stop mid-sentence, and somehow you never quite get used to it even after years of living there.
The city has a brilliant food and drink scene, a packed cultural calendar, including one of Europe’s best Christmas markets, and enough independent cafés and boutique shops to keep things interesting.
Schools are excellent, the University of Bath keeps the city feeling young and lively, and London is only 90 minutes away when you fancy a change of scenery. It’s a small city with a surprisingly big personality, and once most people move here, they tend to stay put, and we absolutely don’t blame them.
The basics: The average property price sits at £375k, with a median of £310k — and there’s a small silver lining for buyers: prices have nudged down by about £12k (3%) over the last year. Not a bargain bonanza, but a slightly friendlier market than it was.
What your money gets you: Flats average £235k, terraced and semi-detached homes sit in the £330k–£345k range, and detached houses will cost you around £536k.
Vs. the rest of the country: Bath ranks 40th most expensive out of 105 postcode areas in England and Wales, pricier than average, but nowhere near London’s madness.
*All stats via Plumplot
By entering a few details, this calculator will search through a pool of over 50 lenders to find an estimate of your mortgage affordability. You can then have access to a mortgage passport, which you can download as proof to demonstrate your affordability to estate agents.
Tom Horsey
Connor Fitzgerald
Michelle Martin
Zoe Graham
Luke Wilkins
Charlie Cooke
Cody Cooke
Janek Kopinski
Jess Kinrade
Chris Dines
Nikki Smith
Edd Popplewell
Justine Burgess
Sarah Finn
Louis Kraucamp
Tom Reid
Jade Adam
Jamie Wedmore
Corey Greene
Helen DAdamo
Holly Foster
Casey Lyng-Murray
Michelle Relph
Tom Pickering
It always helps to know what to expect before you take the next step. So, with that being said, here’s exactly what to expect when securing your mortgage with us…
We’ll kick things off by introducing ourselves and walking you through exactly how we work and what you can expect from us. Then the focus shifts to you: your situation, your goals, and what you’re looking to achieve. From there, we’ll lay out a clear and honest picture of what it’ll take to make it happen.
This is where everything start to take shape.
We’ll come back to you with a clear, tailored plan, covering exactly how much you can borrow, the rates and monthly payments you can expect, and a full breakdown of any additional costs involved.
With your Mortgage in Principle in hand, you’ll now be ready to start viewing properties in Bath and making offers with complete confidence.
Once you’ve found your dream home in Bath and agreed a sale price (which we can support you with if you wish), we’ll reconnect to finalise everything. We’ll revisit the numbers, make any necessary adjustments, and move forward with your full mortgage application.
We’ll also make sure you have a suitable solicitor in place and start looking at setting all the right insurances up.
Once your application is submitted, we don’t just step back and wait. We stay in close contact, track everything that needs to happen, and keep you updated every step of the way right up until the keys to your new home are in your hands.
Our job doesn’t end the moment you get the keys and finally sink into that new sofa with a well-earned takeaway and glass of prosecco in hand.
We’ll constantly monitor your mortgage and let you know if a better deal becomes available that will save you money. If you have any questions about your mortgage, we’ll always be just a call away.
If you’re looking for a Bath mortgage broker who can do it all, you don’t need to look any further…
Fed up of living under your parent’s roof or renting somewhere you can’t really call your own? Don’t know where to begin when it comes to getting on the property ladder? Don’t worry we’ve got you covered.
If, like most people, the idea of remortgaging makes you want to bury your head in the sand, there’s some good news as we’re here to make the entire process nice and easy.
Whether you’re upsizing for more space or downsizing for a simpler life, we’ll handle the mortgage side of things so you can focus on the exciting new chapter ahead rather than feeling stressed out.
Whether you’re growing a portfolio or just getting started, navigating the buy to let mortgage market requires a broker who is fast, proactive, and knows their stuff. In other words, The Levels Financial.
We know the shared ownership scheme inside out and it’s our job to make the complicated seem simple. So, whether you’re buying your first share or staircasing, we’ll find the right deal for you.
You might have been told that getting a mortgage when you’re self-employed is impossible. Well, it’s absolutely not. Sure, there’s a few extra hoops but we’ll help you jump through them all.
We do the hard work of shopping around for you. Rather than approaching multiple lenders yourself, we search the market to find the most competitive mortgage deal for your situation, saving you time, money, and a whole lot of stress.
From there, we guide you through the entire application process, start to finish. And unlike most mortgage brokers, our support doesn’t stop at the mortgage itself. Whether it’s dealing with solicitors or negotiating with estate agents, we’re with you every single step of your homebuying journey.
No problem at all; we get it, life is busy. Taking time out of your working day to speak to a mortgage adviser isn’t practical, so we work around you. We offer both evening and weekend appointments, whatever suits you best.
Once a mortgage broker has everything they need from you, they can submit a full mortgage application straight away. From there, lenders usually take between two and six weeks to issue a formal offer, depending on their workload and the complexity of your application.
Mortgage broadly split into two categories: repayment, where you gradually pay off the loan and interest each month, and interest-only, where you just cover the interest. Within those, you’ll choose a deal type; the most common being fixed rate, where your payments stay the same for a fixed period (usually 2 or 5 years), or tracker/variable rate where they can go up or down.
Many of Bath’s most desirable properties are Grade I or Grade II listed, which means stricter rules apply to any alterations, extensions, or renovations. You’ll need listed building consent for most changes beyond routine maintenance. It’s important to have a thorough survey (ideally a full structural survey from a surveyor familiar with period properties) before purchasing, as older buildings can carry issues such as damp, subsidence, or outdated wiring and plumbing. Budget for potential renovation costs accordingly.
Still have questions?
Reach out to us anytime for assistance!
We’d recommend exploring our range of mortgage tools, including our Homebuying App and weekly email, both of which will support you along this exciting journey.
Learn all about how we can help protect your future home from unforeseen problems, such as being unable to pay your mortgage due to injury or illness keeping you off work.
