BGA Mortgages

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BGA Mortgages

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Independent unbiased mortgage & protection advice Registered in England and Wales Number: 02917813.

At BGA Mortgages, we are experienced mortgage advisers with access to the full range of UK mortgages to ensure you obtain the best advice suited to you. We can assist you with buying your first home, moving house, obtaining a more competitive deal, buy to let and equity release. As well as arranging your mortgage, we can also advise you on the various protection policies available to cover you and your family in the event of death, critical illness, accident, illness or unemployment. You will be allocated your own personal adviser who will hold your hand through the whole of the mortgage process, and will ensure you receive the best possible personal service from start to finish. We also have the ability to service clients Nationwide, as we can adopt an online approach to the advice process, giving you the option to receive expert advice in the comfort of your own home at a time to suit you. BGA Mortgages is a trading name of BGA Financial Services Ltd which is an appointed representative of 2plan wealth management Ltd which is authorised and regulated by the Financial Conduct Authority. BGA Financial Services Ltd is entered on the FCA register (www.FCA.org.uk) under no. 192180

Registered office: The Old Forge, East Street, Colchester, Essex, CO1 2TP.

22/10/2026

Why do mortgage underwriters take time to assess applications?

A mortgage is one of the largest financial commitments you will ever make, so lenders carry out thorough and detailed checks before making a decision.

Underwriting is not just a tick-box exercise. Each application is carefully assessed on a range of factors, including:

• Stability of income
• Expenditure and overall affordability
• Credit history and financial conduct

Every case is individual, which means the time it takes can vary from one application to another.

While it can feel like a waiting game, this process is there to protect you as much as it is to protect the lender—ensuring the mortgage is affordable and sustainable for the long term.

Approved by 2plan wealth management Ltd on 22/06/2026

20/10/2026

Tune into ITV tonight at 7:15pm to hear Martin Lewis discuss Mortgage rates.

Whether you're looking to buy your first home, thinking about moving or coming to the end of your current mortgage deal, understanding your options can help you feel more confident about your next steps.

13/10/2026

We understand the excitement of viewing properties… However getting carried away before you are mortgage ready could cost you time, confidence, and sometimes your dream home.

Before you start to view properties, it is important to understand what you could potentially borrow and what your budget looks like.

One of the first steps is to obtain a Decision In Principle (DIP) with a mortgage adviser. This will give you an indication of how much you could potentially borrow, meaning you can focus your property search on homes that are realistically within your budget.

A Decision In Principle will also put you in a strong position when you are ready to make an offer on a property. Estate agent’s will not put your offer forward until you have this.

If you are thinking about buying your first home, speak to us before you start viewing. We are here to help you every step of the way.

[email protected]
01206 871120 (Option 2)
07963 434156

Approved by 2Plan on 24/9/2026

01/10/2026

Buying a home? Don’t forget the extra costs 🏡

It’s not just your deposit, there are a number of fees that can quickly add up if you’re not prepared.

From legal fees to surveys, here’s what to factor into your budget 👆

Get in touch with us to explore your options and plan ahead with confidence.

- [email protected]
- 01206 871120 (Option 2)
- 07963 434156

21/09/2026

You have worked so hard for your home, so why leave it unprotected?

You cannot predict the future, but you can make sure you are prepared for it.

Protect the home you have worked so hard for...

Approved by 2plan wealth management Ltd on 18/09/2026

16/09/2026

🚨 UPDATE ON THE SEARCH FOR NOAH 🚨

The search for Noah continues this morning.

At this time, there have been no confirmed sightings of Noah, and the police continue to lead the search operation.

If you are able to help with the search today, please keep safe and take care of yourselves. Search in pairs where possible, wear high-vis clothing and take extra care around roads, water, woodland and other potentially dangerous areas. Please take a fully charged mobile phone with you.

Please also check your own property thoroughly, including gardens, sheds, garages, outbuildings, vehicles and under or behind furniture.

If the police ask you to move away from an area, please follow their instructions. This may be to allow specialist search activity to take place.

📱 WhatsApp Search Updates
A WhatsApp group has been set up for updates relating to the search for Noah. You can join the group here:
https://chat.whatsapp.com/BI54ZkM1cozF6Mr113cvSs?mode=gi_t

Thank you to everyone who has been out searching, supporting those involved and helping the community through what is an incredibly difficult time. ❤️

Please keep looking, keep safe and continue to share information responsibly.

If you find anything you think could be of help, no matter how big or small, please call 999 and quote reference CAD203.

Further updates will be shared as soon as we receive them.

03/09/2026

When it comes to mortgages, many people assume that going straight to their bank is the easiest option… However, it is important to know that you have other options.

Going directly to your bank means they will be tied to their products only.

At BGA, we are whole of market, meaning we can search across a wide range of lenders and products to help find an option that is suitable for your individual circumstances.

Need an appointment outside the usual 9–5?
We understand that life doesn't always fit around traditional opening hours. That is why we offer evening and weekend appointments where possible, making it easier to obtain advice at a time that works for you.

Have a more complex circumstances?
Not every mortgage application is straightforward. If you have things like previous credit issues, variable income, or you are self-employed, there may still be mortgage options available. As whole-of-market advisers, we can explore a wider range of lenders, including those who may consider more complex cases.

Get in touch with the BGA team and let us help you explore your options.

[email protected]
01206 871120 (Option 2)
07963 434156

Approved by 2Plan on 01/09/2026

01/07/2026

Are you looking to buy your first home? Here are few things you can do to prepare yourself.

☑️Check your credit report
☑️Work out your deposit & budget
☑️Speak to a Mortgage Adviser early
☑️Obtain a Decision In Principle
☑️Avoid large financial changes such as new car loans or credit cards

Not sure where to start? At BGA Mortgages we can help make the process as smooth and stress free as possible.

Approved by 2plan wealth management Ltd on 22/06/2026

22/05/2026

The sun is shining and the Bank Holiday weekend is here ☀️
Wishing you all a wonderful Spring Bank Holiday filled with sunshine and smiles!

24/04/2026

Amanda received this lovely gift from one of her clients this week after helping them secure their new home🏡We are proud of the care and dedication Amanda shows every client.

Address

Colchester

Telephone

+441206871120

Website

https://www.bgamortgages.co.uk/

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