Balch Mortgages

02/06/2026

Testimonial Tuesday ⭐⭐⭐⭐⭐

Another happy homeowner! 🏡

A huge thank you to Hong Liang for taking the time to leave such a fantastic review.

Thank you for trusting Balch Mortgages with your mortgage journey and congratulations on your new home! 🎉

If you’re thinking about buying your first home, moving house, remortgaging or simply want some mortgage advice, feel free to get in touch.

📞 02920 035 050
📧 [email protected]
🌐 balchmortgages.co.uk
 
⭐️⭐️⭐️⭐️

26/05/2026

✨ 4 Years of Balch Mortgages ✨

What started as a vision 4 years ago has grown into something we’re incredibly proud of.

🏡 150+ 5 𝑺𝒕𝒂𝒓 𝑮𝒐𝒐𝒈𝒍𝒆 𝑹𝒆𝒗𝒊𝒆𝒘𝒔
🤝 𝑾𝒐𝒓𝒌𝒊𝒏𝒈 𝒂𝒍𝒐𝒏𝒈𝒔𝒊𝒅𝒆 𝒐𝒗𝒆𝒓 10 𝒕𝒓𝒖𝒔𝒕𝒆𝒅 𝒆𝒔𝒕𝒂𝒕𝒆 𝒂𝒈𝒆𝒏𝒕𝒔 𝒂𝒄𝒓𝒐𝒔𝒔 𝑺𝒐𝒖𝒕𝒉 𝑾𝒂𝒍𝒆𝒔
📈 𝑪𝒐𝒏𝒕𝒊𝒏𝒖𝒊𝒏𝒈 𝒕𝒐 𝒈𝒓𝒐𝒘 𝒐𝒖𝒓 𝒃𝒓𝒂𝒏𝒅 𝒘𝒊𝒕𝒉𝒊𝒏 𝒕𝒉𝒆 𝒍𝒐𝒄𝒂𝒍 𝒄𝒐𝒎𝒎𝒖𝒏𝒊𝒕𝒚
👥 𝑬𝒙𝒑𝒂𝒏𝒅𝒊𝒏𝒈 𝒐𝒖𝒓 𝒕𝒆𝒂𝒎 𝒘𝒊𝒕𝒉 𝑴𝒐𝒍𝒍𝒚 𝒋𝒐𝒊𝒏𝒊𝒏𝒈 𝑩𝒂𝒍𝒄𝒉 𝑴𝒐𝒓𝒕𝒈𝒂𝒈𝒆𝒔 𝒕𝒐 𝒉𝒆𝒍𝒑 𝒖𝒔 𝒄𝒐𝒏𝒕𝒊𝒏𝒖𝒆 𝒅𝒆𝒍𝒊𝒗𝒆𝒓𝒊𝒏𝒈 𝒕𝒉𝒆 𝒑𝒆𝒓𝒔𝒐𝒏𝒂𝒍 𝒔𝒆𝒓𝒗𝒊𝒄𝒆 𝒐𝒖𝒓 𝒄𝒍𝒊𝒆𝒏𝒕𝒔 𝒅𝒆𝒔𝒆𝒓𝒗𝒆
🎯 𝑨𝒏𝒅 𝒎𝒐𝒔𝒕 𝒊𝒎𝒑𝒐𝒓𝒕𝒂𝒏𝒕𝒍𝒚… 𝒄𝒐𝒏𝒕𝒊𝒏𝒖𝒊𝒏𝒈 𝒐𝒖𝒓 𝒋𝒐𝒖𝒓𝒏𝒆𝒚 𝒕𝒐𝒘𝒂𝒓𝒅𝒔 𝒃𝒆𝒄𝒐𝒎𝒊𝒏𝒈 𝒕𝒉𝒆 𝒈𝒐-𝒕𝒐 𝒎𝒐𝒓𝒕𝒈𝒂𝒈𝒆 𝒃𝒓𝒐𝒌𝒆𝒓 𝒊𝒏 𝑺𝒐𝒖𝒕𝒉 𝑾𝒂𝒍𝒆𝒔

To every client, estate agent, family member, friend and supporter who has trusted and recommended us along the way, thank you. Your support genuinely means everything to us.

We’ve always believed that getting a mortgage should feel personal, supportive and stress-free, and we’re only just getting started 🚀

Here’s to the next chapter of Balch Mortgages 💚

19/05/2026

⭐️ Testimonial Tuesday ⭐️

Another happy client 🙌

Helping people buy their home is about so much more than just getting a mortgage approved. It’s about keeping clients informed, making the process feel less stressful, and being there every step of the way.

Thank you Samantha for the amazing review, it genuinely means a lot 💚 and thank you .home.estate.agents for trusting us with another buyer!

19/05/2026

19/05/2026

𝐓𝐡𝐢𝐬 𝐧𝐞𝐚𝐫𝐥𝐲 𝐜𝐚𝐮𝐬𝐞𝐝 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐩𝐫𝐨𝐛𝐥𝐞𝐦… 😳

The client’s deposit had been transferred through multiple family accounts before reaching them.

Completely innocent ✅
But to a lender, that can raise questions fast 🚩

Before submitting the application, I made sure we had:
✔ Gifted deposit letter
✔ Full transfer trail
✔ Supporting evidence upfront

Because it was packaged properly from the start, the mortgage progressed smoothly ✅

𝐓𝐡𝐢𝐬 𝐢𝐬 𝐰𝐡𝐲 𝐝𝐞𝐭𝐚𝐢𝐥 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐰𝐡𝐞𝐧 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞.”

15/05/2026

𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝 𝐰𝐢𝐭𝐡𝐢𝐧 𝟐𝟒 𝐡𝐨𝐮𝐫𝐬… 𝐡𝐞𝐫𝐞’𝐬 𝐡𝐨𝐰 𝐢𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐞𝐝 👀

This week, we had a mortgage application approved within 24 hours ✅

𝐖𝐚𝐬 𝐢𝐭 𝐥𝐮𝐜𝐤? 𝐍𝐨.

It came down to preparation, experience, and packaging the application correctly from the very beginning.

One of the biggest misconceptions in mortgages is that once you hit “submit”, the lender does all the work.

In reality, the quality of the application going in can massively impact how quickly and smoothly things move.

Having spent 𝟏𝟑 𝐲𝐞𝐚𝐫𝐬 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐝𝐢𝐫𝐞𝐜𝐭𝐥𝐲 𝐟𝐨𝐫 𝐛𝐚𝐧𝐤s before becoming an independent broker, I understand exactly what lenders are looking for when assessing an application.

I know the things underwriters like to see ✅
I know the red flags that can cause delays 🚩

This is why choosing a broker isn’t just about finding the best rate.

It’s also about having someone who understands lender expectations, criteria, and how to structure an application to give it the best possible chance of success.

13/05/2026

🏡 Halifax have just launched a new mortgage allowing first-time buyers to purchase a home with as little as a £5,000 deposit 👀

With rising rents and the challenge of saving larger deposits, this could help more buyers finally get onto the property ladder 🙌

A few key points:
✔ £5,000 minimum personal deposit
✔ Properties up to £300,000
✔ Available to employed & self-employed clients
✔ 5-year fixed rates available
✔ Free valuation included

Of course, affordability and credit scoring still apply, but this could be a huge opportunity for many buyers who thought homeownership was still years away.

If you’re unsure whether you’d qualify, drop me a message and I’ll happily talk you through your options 😊

📍Independent, award-winning mortgage advice across South Wales & beyond

⭐️ 150+ 5-star reviews

12/05/2026

⭐️ TESTIMONIAL TUESDAY ⭐️

Buying a home should feel exciting… not overwhelming. 🏡

That’s why reviews like this mean so much to us at Balch Mortgages 💚

Daniel trusted us to guide him through one of the biggest financial decisions of his life, and knowing he felt supported, informed, and looked after from start to finish is exactly why we do what we do.

Whether you’re:
✔️ Buying your first home
✔️ Moving house
✔️ Re-mortgaging
✔️ Self-employed
✔️ Unsure where to start

We’re here to make the process simple, clear, and stress-free.

Thank you again for the amazing review Daniel, it truly means a lot 🙌

If you’re thinking about moving this year and want honest, award-winning mortgage advice from a local independent broker, drop us a message today 📩

📍 South Wales
⭐ 148+ 5-star Google reviews
🏆 Award-winning mortgage advice

11/05/2026

Have you ever wondered what a mortgage broker actually does all day? 👀🏡

Here’s a real glimpse into a day in the life at Balch Mortgages ☕📞

From chasing lenders and updating estate agents… to solving problems behind the scenes and helping clients move one step closer to getting the keys 🔑

What most people don’t see is the amount of work, communication and problem solving that happens every single day to keep cases moving smoothly.

Because getting the “lowest rate” means nothing if your case isn’t handled properly.

✅ First Time Buyers
✅ Home Movers
✅ Remortgages
✅ Protection & Insurance
✅ Support from start to finish

This is why having an experienced mortgage broker matters.

📍 South Wales
⭐ 147+ 5 Star Google Reviews
🏆 Award Winning Mortgage Advice

If you’re thinking about buying, moving or re-mortgaging, drop us a message and let’s see how we can help 🙌

06/05/2026

💭 “What’s your lowest mortgage rate?”

It’s the first thing everyone asks…
But here’s the reality 👇

Because the lowest mortgage rate doesn’t always mean the best mortgage deal.

You could be trading a low rate for:
❌ Higher fees that cancel out the savings

❌ Slow processing (risking your purchase)

❌ Strict lending criteria

❌ Delays that could cost you the property

Because the right mortgage lender is about more than just a number 👇

✔ Faster approvals
✔ Better overall value
✔ Flexible criteria to fit your situation
✔ A smoother, less stressful process

My job isn’t to find you a rate…
It’s to find you the right mortgage for your situation, timeline, and goals.

🏡 Whether you’re a first-time buyer, moving home, or remortgaging — getting this right matters.

📩 Want honest mortgage advice that actually works in the real world? Drop me a message.