FX Mortgages
Bath
Mortgage advice covering buy-to-let, first-time buyers. FX Mortgages has not recorded a fee structure.
Main contact
About FX Mortgages
FX Mortgages is a UK mortgage broker based in Bath. Its website describes mortgage advice for buy-to-let, first-time buyers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
FX Mortgages works across buy-to-let and first-time buyers from Bath — a focused listing led by buy-to-let work.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. The firm covers first purchases too, so first-time landlords should not be turned away for having no rental history.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see.
Read the first-time buyers guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask FX Mortgages
Tailored to this listing.
- 1You list buy-to-let and first-time buyers — how many cases like mine do you place in a year, and which lenders do you use for them?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3How does the rental stress test change what I can borrow, and would buying through a limited company work out better for me after tax?
- 4What deposit do I realistically need for the properties I am looking at, and which schemes am I actually eligible for?
- 5Do you see clients at your Bath office, or is this handled by phone and video?
Getting in touch with FX Mortgages
FX Mortgages lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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What you needed. How it went. What it cost.
Frequently asked questions
What does FX Mortgages charge for mortgage advice?
Not recorded on this listing — ask FX Mortgages directly, as it must tell you before you commit. Buy-to-let and limited-company cases are often charged differently from residential ones — ask which bracket you fall into.
What types of mortgage does FX Mortgages handle?
FX Mortgages records buy-to-let and first-time buyers, working from Bath. Ask anyway if your case sits outside that list.
Does FX Mortgages arrange buy-to-let mortgages?
Yes — buy-to-let is one of the areas FX Mortgages lists. How much you can borrow is set mainly by the rent the property will achieve against a lender's stress rate, not by your income. Ask about limited-company lending too, since the tax treatment differs and the rates usually do as well.
Does FX Mortgages only cover Bath?
FX Mortgages is listed in Bath, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Bath on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.