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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Bath


Alexander House, James Street West, City Centre, Bath BA1 2BT, UK – 01225 471100

Craig Chapman has dealt with our financial affairs in a most efficient and friendly way for some time now. Last night I emailed him with an important query regarding an investment which Money Wise do not handle. I had a full and very helpful response from him first thing this morning. First class service! Thank you.

A really helpful group of people who know their job well but most importantly, really value their customers and go out of their way to tailor their service to individual requirements. My wife and I have been on their books for over twelve years, now live a long way from Bath but still receive the same care and attention as when we first asked their help. I'm very happy to recommend Malcolm and his team to anyone needing personal financial help at any level.

Watson Financial

3 Fountain Buildings, Bath BA1 5DU, UK – 01225 789880

Martin and his PA Debbie are a fantastic team and really helped us set up our mortgage and life assurance. As first time buyers we had no idea what we were doing and Martin made it as simple as it could be. What made the service great was he saw us at times that suited our working schedule and at times when usual banks would have closed or stopped taking appointments. Would recommend Martin to everyone (and have).

Superb service and excellent knowledge. Would recommend Martin Watson to anybody looking for mortgage or investment advice.

Combined Financial Strategies Ltd

38 Gay St, Bath BA1 2NT, UK – 01225 471462

I worked in Financial Services for 28 years and thought I knew how to spot a good Financial Adviser, but prior to meeting Jonothan made the mistake of accepting a personal recommendation to a well known national firm, and repented at my leisure (as they say). So with Jonothan I got to know him well first, did my due diligence and the track record of delighted clients and national recognition (e.g. Financial Adviser of the Year, Retirement & later Life Advice Specialist of the year to name but two) backed all this research up. Even so, having got my fingers burnt, I was still very cautious and asked lots of questions. Jonothan was extremely patient, knowledgeable and structured in his whole approach. His communications were prefect through the whole transfer process (which was complicated by Lloyds Pension Administrators being changed 'mid-transfer') and Jonothan dealt with the problems as they arose and together even got the new administrators to resolve a complaint when mistakes were made during the transfer process. I am confident that we now have a solid investment strategy and he is now advising my wife too on her pension investments. So I'd not only add my endorsement I would thoroughly recommend Jonothan to anyone looking for pension or pension transfer advice, especially those 55+ Lloyds / TSB Ex-employees that are trying to work out the pros / cons of leaving their pension where it is

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Bath.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.
TSB Bank

10 Quiet St, Bath BA1 2JU, UK – 01225 427777

Staff is really friendly, the building is really cozy and warm. I always get help as soon as I enter the bank. Amazing service.


8-9 Quiet St, Bath BA1 2JN, UK – 01225 333666

They just ignore the phone if it rings

Always helpful.

HSBC Bank Plc

45 Milsom St, Banes, Bath BA1 1DU, UK – 0345 740 4404

Not the most ideal location, but it's a bank. Can't really say much more than that

Helpful staff.



6 Moorland Rd, Bath BA2 3PA, UK – 0345 788 8444

Lovley friendly staff, very helpful


38 Southgate, Bath BA1 1TR, UK – 01225 491266

Quick place to stop off and get cash before heading up to see all the shops.

Lloyds Bank

47 Milsom St, Bath BA1 1DN, UK – 0345 300 0000

We had an issue accessing some information online, and a helpful member of staff on the front desk (Lindsey) in Bath, took this on and investigated for us with I.T., and whilst it was a technical fault that could not be solved immediately, Lindsey updated us the very next day. Better than some banks I have been to, who would have simply said they didn't know how to solve it etc...

Great staff and very helpful

Building Societies

Bath Investment & Building Society

15 Queen Square, Bath BA1 2HN, UK – 01225 423271

Small savings and mortgage specialists who specialise in flexibility and personal service.


21-22 Union St, Bath BA1 1RS, UK – 0800 554 0403

Iv never had a bad service their. I would recommend them to anyone. A great service and disable access as well.

Excellent local bank

Bath Building Society

13 Moorland Rd, Bath BA2 3PL, UK – 01225 423271

Generally okay service, used more for looking for new sells more than anything else.

Mortgage Brokers

L&C Mortgages

Beazer House, Lower Bristol Rd, Bath BA2 3BA, UK – 0800 953 0304

I highly recommend L&C to anyone, not just first-time buyers. The staff are very friendly & helpful - like they actually want to help you, not just because it's their job. They know what they're doing and they do it quick. Whether it's by phone or e-mail they've very approachable and response times are great. They're with you through the whole process! I've had a brilliant experience with this broker and it's honestly the best free advice you could possibly ask for.

Rosemount Mortgage Planning

2 Wood St, Queen Square, Bath BA1 2JQ, UK – 01225 430556

Truly excellent service for many years now. Thank you Andrew.

Fox Davidson Mortgage Brokers

1 Queen Square, Bath BA1 2HA, UK – 01225 946606

I have used several brokers before, Fox Davidson have been the best by miles. Their speed and communication is fantastic. I will recommend them without hesitation and will use them again in the future.

We have found their response to clients to be fast and thorough, and all our clients have left nothing but positive reviews about their experience in establishing their finances for purchasing a new home.

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Bath.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around PeterLeeLee that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.


Bath Mortgages Online

1 Queen Square, Bath BA1 2HA, UK – 01225 584888

We have just remortgaged, and I have to say that Philip was a fantastic person to deal with, honest, straightforward and good humored. Above all he listened to what we wanted prior to remortgaging and helped us achieve an excellent fixed rate for 5 years. During my first meeting with him I instantly felt at ease, and truly believe that he had mine and my families best interest at heart when identifying the best mortgage for us in the market place. Everyone one that we came into contact with using this firm were professional, courteous, helpful all the way through our application process with the lender. I would highly recommend these guys. Thank you once again Steve and Deanne

Have used Phil's services to buy our first place in London a couple of years ago (when I was a student and a very complicated sell to a bank!), And then over the last few months, we have re-mortgaged. Not only did Phil get us a significantly cheaper deal, but he arranged for us to borrow extra money to extend our lease. Our flat is now worth much more than we paid for it thanks to the long lease! I am made up. Cannot recommend this company enough - they have twice been the best investment I have ever made in my house. Hope to use them again in a few more years when we decide to move somewhere more sensible...

Simply Insurance, Mortgages & Finance Bath

Simply Insurance House, Bath BA2 2QQ, UK – 01225 429133

Simply Insurance Bath were extremely helpful and thorough and they were with us from start to finish during our property hunt. They are still providing support even long after completion. We hadn't bought a house before and so we didn't know where to even begin. They took all the stress and worry out of the whole process so that we didn't have to struggle through all the hurdles on our own. We would definitely recommend them, whether you're just starting out on the property ladder or not, they will help get you there.

James helped us purchase our first home and couldn’t have made it any easier and less stressful. It was harder to organise the delivery of a dining table than to buy a house!! James always went the extra mile and was on hand whenever we needed him. These guys really are a one stop shop for all of your needs.

Locate-a-Mortgage.co.uk / Mortgage Brokers

1-2 Nelson Pl W, Bath BA1 2BA, UK – 01225 343163

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