Bath
Greywood Financial supports clients across Bath and nearby areas including Keynsham, Saltford, Bradford-on-Avon, Frome, Trowbridge and North East Somerset. We work extensively with NHS staff, healthcare contractors, banking contractors and applicants with complex income, helping match your situation with lenders who understand real-world working patterns.
Whether you’re a first time buyer in Bath or commuting into Bristol for work, our tailored approach helps clarify affordability, borrowing options and the lenders most likely to support your employment structure.
Specialist Mortgage Advice in Bath for First Time Buyers, Healthcare Contractors & Complex Income
Securing a mortgage can feel challenging — especially if you’re a first time buyer, a healthcare contractor, a bank or finance contractor, or you have complex income. Different lenders view your situation in very different ways, and the outcome often comes down to how your case is presented.
At Greywood Financial, we specialise in helping clients across Bath find lenders who understand real-world income, from shift work and agency contracts to mixed PAYE and self-employed earnings. We have the experience to know which lender may be the best fit for your circumstances and long-term plans.
If your income or employment doesn’t look straightforward on paper, Greywood works to make it clear and compelling to the right lender.
Who Greywood Helps in Bath
We focus on real-life scenarios where income, contracts or working patterns don’t fit a simple template.
First Time Buyers in Bath
We help you understand what’s realistic, what’s affordable, and how to position your application strongly.
- Clear affordability guidance based on your actual situation
- Deposit and loan-to-value (LTV) options, including family support or gifted deposits
- Breaking down monthly payments so you can plan with confidence
- Helping you secure Approved Buyer Status so agents and sellers take you seriously
Non-Standard & Complex Income
We regularly support clients whose earnings don’t come from one simple salary line.
- Basic salary plus bonuses, commission or overtime
- Two or more part-time roles or portfolio careers
- Mixed PAYE and self-employed income
- Ltd company directors with salary and dividends
- Recent income increases or changing pay structures
- Rental income alongside employed or self-employed income
Healthcare Contractors & Medical Professionals
Bath has a strong healthcare community, and many roles are now based on shifts, locum work and flexible contracts.
Greywood works with a wide range of healthcare clients whose income patterns can look complex at first glance. We help ensure lenders see the stability behind your work, not just the variability in hours or payslips.
- NHS bank staff and hospital-based contractors
- Locum doctors and GPs
- Locum pharmacists
- Agency nurses and care workers
- Private healthcare contractors and specialists
Contractors in Banking, Finance & Professional Services
Many of our clients work for banks, financial institutions and large organisations, often on contracts that don’t fit a simple permanent role description. Systems may struggle with day rates or umbrella structures — but experienced lenders and underwriters don’t.
- Day-rate contractors in banking and financial services
- Fixed-term contract roles with renewals or extensions
- Umbrella and agency employment structures
- Hybrid remote/in-office roles tied to major institutions
Greywood helps decide whether you’re best treated as employed, self-employed or a contractor in underwriting terms, then selects lenders whose criteria align with that approach.
The Greywood 6-Step Mortgage Process
A structured, transparent journey from first chat to handing over the keys.
We start with a relaxed conversation — by phone or online — to understand your goals, timeframe, employment type and any concerns about how lenders may view your income.
We gather the key details about your income, outgoings, commitments and future plans. This allows us to apply lender criteria accurately to your real situation.
Greywood presents tailored options: likely borrowing levels, suitable lenders, how best to structure your mortgage, deposit requirements and indicative monthly payments.
We can provide an Approved Buyer Status certificate, demonstrating to estate agents and sellers that your finances have been assessed and you are ready to proceed.
As you view properties around Bath, we help sense-check price ranges, update figures where needed and keep your strategy aligned with the market.
We handle the full mortgage application, liaise with the lender, valuer and solicitor, and remain involved after the offer, guiding you through to completion and planning for future reviews.
Why Work With Greywood Financial in Bath?
- Experience with complex income – from healthcare shifts to bank contracts and mixed earnings
- Access to a wide range of lenders – including those who welcome non-standard cases
- Structured, transparent process – so you always know what’s happening next
- Joined-up advice – mortgage and protection planning under one roof
- Long-term relationship – not just a one-off transaction; we support you beyond completion
Our role is to match your circumstances to the lenders most likely to value them correctly — and to package your application so an underwriter can clearly see the strength of your case.
Speak with Megan Buttle
Megan is Greywood’s dedicated adviser for Bath and the surrounding areas, with a particular focus on first time buyers, healthcare contractors and clients with complex income. She will be your main point of contact from the first conversation through to completion.
To explore your options, arrange a meeting with Megan and start the Greywood 6-step process.
