Bath
Mortgage advice in Bath
Specialist support for first time buyers, healthcare contractors, banking & finance contractors and complex income.
Securing a mortgage can feel challenging when your income isn’t straightforward. Different lenders assess contracts, variable pay and mixed earnings in very different ways — the outcome often comes down to lender choice and how your case is presented.
Built for real-world income
Mortgage broker in Bath supporting first time buyers, contractors and complex income cases.
We focus on scenarios where income, contracts or working patterns don’t fit a simple template — and where the right packaging makes the difference.
Affordability, deposit strategy, gifted funds and clear monthly costs.
NHS bank, locums, agency work and shift patterns presented clearly.
Day rates, umbrella structures, renewals and contract histories.
Mixed PAYE/self-employed, overtime/bonus, LTD directors and rentals.
Start with clarity
First time buyer mortgage advice in Bath with affordability checks, deposit planning and lender matching.
We help you understand what’s affordable and how lenders will assess you — then we make sure your application is presented in the clearest, strongest way.
- Clear affordability guidance based on your actual situation
- Deposit and LTV options, including gifted deposits and family support
- Monthly payment breakdowns so you can plan with confidence
- Support securing Approved Buyer Status where appropriate
Make the story simple
Support for complex income mortgages in Bath including mixed PAYE/self-employed, overtime, bonuses and LTD directors.
We support clients whose income looks “messy” to automated systems — but makes perfect sense with the right explanation and lender choice.
- 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
Show consistency
Mortgage support for NHS bank, locums, agency work and shift patterns in Bath.
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
Contract-friendly lenders
Mortgage advice for banking & finance contractors in Bath, including day-rate and umbrella structures.
We support contractors whose role doesn’t match a simple “permanent employment” template — and match you to lenders whose criteria align with your structure.
- Day-rate roles in financial services
- Fixed-term contracts with renewals/extensions
- Umbrella and agency employment structures
- Hybrid roles tied to major institutions
How it works
A clear mortgage journey in Bath — from first call to application, offer and completion.
We understand your goals, timeframe and how lenders will view your income.
We capture income, commitments and plans so criteria is applied accurately.
Borrowing levels, lender choices, structure, deposits and monthly payments.
Where suitable, we provide a certificate showing you’re ready to proceed.
We sense-check figures and keep your approach aligned with the market.
We manage the application, liaise with parties and guide you through.
Common questions
Bath mortgage broker FAQs covering first time buyers, contractors and complex income.
Can you help if I have complex or mixed income? +
Yes — we regularly work with mixed PAYE/self-employed income, overtime/bonus structures, umbrella employment and contractor day rates. The key is matching you to the right lender and presenting the story clearly.
Do you specialise in healthcare and NHS roles? +
Yes. We support NHS bank staff, locums, agency work and shift patterns — focusing on contract history, consistency of work and how lenders treat variable income.
I’m a first time buyer — what should I do first? +
Usually: understand realistic affordability, confirm your deposit position and get an Agreement in Principle (subject to status). We’ll outline what evidence lenders need and your next steps.
Do I need to be based in Bath to work with you? +
Not at all. Advice is typically delivered by phone or video. We support clients buying in Bath and surrounding areas and coordinate with agents and solicitors to keep things moving.
Speak to Megan
Book a free chat for mortgage advice in Bath — first time buyers, healthcare contractors and complex income.
Megan Buttle
Megan supports clients buying in Bath and surrounding areas, with a focus on first time buyers, healthcare contractors and complex income. She’ll be your main point of contact from first conversation through to completion.
Your home may be repossessed if you do not keep up repayments on your mortgage. Advice is based on your personal circumstances and is subject to lender criteria and affordability assessments.
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.
