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Bradley Taylor Mortgage Services Ltd

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Bradley Taylor Mortgage Services Ltd

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Bradley Taylor is the Director of Bradley Taylor Mortgage Services Ltd.

An Award Winning Mortgage Broker Firm Based in Coventry.
✅Mortgage Advice
✅Protection Advice

20/10/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that’s the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what’s happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you’ve never used me before?

That doesn’t matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You’ll become part of my client bank, so going forward I’ll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.

I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let’s start the conversation now.

Send me a message and I’ll make sure we’re ready when the time comes.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

16/10/2026

Can I Make Overpayments on My Mortgage?

Yes—in most cases, you can make overpayments on your mortgage, and doing so can be one of the smartest financial moves you make. Overpayments simply mean paying more than your agreed monthly mortgage payment. Here’s why they matter:

Save on Interest
Every extra pound you pay reduces your outstanding balance, which in turn reduces the interest charged. Over time, this could save you thousands.

Pay Off Your Mortgage Faster
Overpayments shorten the length of your mortgage term, helping you become mortgage-free sooner. Even small, regular overpayments add up to big savings.

Increase Home Equity
By reducing your loan balance quicker, you’ll build up equity in your home faster. This could improve your mortgage options when you remortgage.

Check for Limits & Fees
Many lenders allow up to 10% of your outstanding balance in overpayments each year without penalty. If you pay more than this (during a fixed or discounted deal), you may face early repayment charges. Always check the terms of your mortgage before making large overpayments.

Flexible Options
Some lenders let you choose between:
- Regular overpayments (e.g. adding £50 to your monthly payment)
- Lump-sum overpayments (e.g. paying off a bonus, inheritance, or savings)

Making overpayments—even modest ones—can have a huge impact on your financial future.

Contact us today & let’s see how we can help you with your mortgage!

🌐 https://www.btaylormortgages.co.uk
📧 [email protected]
☎️ 02475122639
📱 07971928954

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

02/09/2026

How Long Does the House Buying Process Take?

Buying a home is one of the biggest milestones in life—but it can also feel like a long and complicated journey. So, how long does it actually take to buy a house in the UK? Let’s break it down:

1. Getting a Mortgage Agreement in Principle (AIP)
Before you start house hunting, it’s smart to get a Mortgage Agreement in Principle. This usually takes just a few hours to a couple of days and shows sellers that you’re a serious buyer.

2. Finding the Right Property
This stage can vary the most—some people find their perfect home in a week, others take months. Once your offer is accepted, the real process begins.

3. Mortgage Application and Offer
After finding a property, you’ll complete your full mortgage application. Lenders typically take 2–4 weeks to process this, including valuation and affordability checks.

4. Conveyancing and Legal Work
Your conveyancer or solicitor will handle searches, contracts, and legal paperwork. This stage is usually the longest—taking 8–12 weeks on average. Delays can happen if issues arise in the property chain or with local authority searches.

5. Exchanging Contracts and Completion
Once everything is approved, contracts are exchanged, and a completion date is set. This final step can take 1–4 weeks, depending on everyone’s readiness.

Overall Timeline
From offer accepted to moving in, the average house-buying process in the UK takes around 12–16 weeks. However, it can be quicker or longer depending on factors like property type, chain length, and how quickly paperwork is handled.

While the process can feel slow at times, having a proactive mortgage advisor and solicitor can help everything move more smoothly—and keep you informed every step of the way.

Contact us today & let’s see how we can help you with your mortgage!

🌐 https://www.btaylormortgages.co.uk
📧 [email protected]
📞 02475122639
📱 07971928954

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

16/04/2026

How to Improve Your Credit Score

Your credit score plays a crucial role in your mortgage application - it can affect whether you’re approved and the interest rate you’re offered.

The good news? There are practical steps you can take to improve it over time. Here’s how:

1. Check Your Credit Report
Start by checking your credit report with agencies like Experian, Equifax, or TransUnion. Look for errors such as incorrect addresses, missed payments that weren’t yours, or outdated information—and get these corrected as soon as possible.

2. Pay Bills on Time
Payment history is one of the biggest factors in your credit score. Set up direct debits to ensure you never miss payments on credit cards, loans, or household bills.

3. Reduce Credit Card Balances
Try to keep your credit card usage below 30% of your available limit. High balances—even if you pay them off each month—can negatively affect your score.

4. Avoid Too Many Credit Applications
Each credit application leaves a mark on your report. Multiple applications in a short time can make you appear risky to lenders. Apply only when necessary.

5. Build a Credit History
If you’re new to credit, consider using a low-limit credit card and paying it off in full each month. This shows lenders you can borrow responsibly.

6. Stay on the Electoral Roll
Registering to vote at your current address helps lenders verify your identity and can give your score a small but helpful boost.

7. Keep Old Accounts Open
Closing long-standing accounts can reduce the length of your credit history. If you don’t pay fees on them, it’s often better to keep them open.

Improving your credit score doesn’t happen overnight—but small, consistent changes can make a big difference over time and open the door to better mortgage deals.

Contact us today & let’s see how we can help you with your mortgage!

🌐 https://www.btaylormortgages.co.uk
📧 [email protected]
📞 02475122639
📱 07971928954

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

13/02/2026

How to Help Your Offer Get Accepted

In a competitive property market, getting your offer accepted can feel challenging — but there are several ways to stand out from other buyers and improve your chances. Here’s how to make your offer as strong and appealing as possible:

1. Get a Mortgage Agreement in Principle (AIP)
An AIP shows the seller you’re financially prepared and serious. It reassures them that you’re unlikely to run into issues securing a mortgage later, making your offer more attractive than those without one.

2. Build a Good Relationship with the Estate Agent
Estate agents want a smooth, reliable sale. Being polite, responsive, and clear about your situation helps them see you as a committed buyer — and they may be more inclined to support your offer.

3. Show You’re Ready to Move Quickly
If you’re chain-free, a first-time buyer, or already have a buyer for your own home, make that clear. Sellers often prioritise buyers who can move fast and reduce the risk of delays.

4. Make Your Best Offer Early
If you’re serious about a property, lead with a strong and realistic offer. Lowballing in a competitive market can mean losing out before negotiations even start.

5. Be Flexible
Sometimes it’s not all about money. Being flexible with completion dates or accommodating the seller’s needs (e.g. allowing them extra time to move) can give you an edge over other buyers.

6. Show You’ve Done Your Homework
Ask informed questions and demonstrate that you understand the process. Sellers feel more confident accepting an offer from a buyer who seems organised and prepared.

Using these strategies can help you stand out in a busy market — and bring you a step closer to securing your dream home.

Contact us today & let’s see how we can help you with your mortgage!

🌐 https://www.btaylormortgages.co.uk
📧 [email protected]
📞 02475122639
📱 07971928954

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

30/01/2026

How to Find Your First Home

Buying your first home is an exciting milestone—but knowing where to start can feel overwhelming. With the right approach and guidance, the process becomes much smoother. Here’s a simple step-by-step guide to help you find your first home with confidence:

1. Know Your Budget
Before you start viewing properties, find out how much you can afford. Getting a Mortgage Agreement in Principle (AIP) gives you a clear price range and shows sellers you’re serious.

2. Save for Your Deposit & Costs
Alongside your deposit, remember to budget for legal fees, surveys, removals, and other moving costs. Planning ahead avoids last-minute stress.

3. Choose the Right Location
Think about commute times, local amenities, schools, and future plans. Don’t just focus on the property—make sure the area suits your lifestyle too.

4. Register with Estate Agents & Search Online
Set up alerts on property portals and register with local estate agents so you hear about new listings quickly—often before they go online.

5. Book Viewings & Ask Questions
View more than one property to compare. Ask about service charges, lease length (if it’s a flat), recent renovations, and average utility costs.

6. Make a Confident Offer
When you find the right home, make your offer clear and supported by your AIP. Being organised and responsive can help your offer stand out.

7. Get the Right Support
A mortgage advisor can help you secure the best deal, explain your options clearly, and guide you through each stage—so there are no surprises.

Finding your first home is a journey, but with the right advice and preparation, it can be an exciting and rewarding one.

Contact us today & let’s see how we can help you with your mortgage!

🌐 https://www.btaylormortgages.co.uk
📧 [email protected]
📞 02475122639
📱 07971928954

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

19/12/2025

Wishing a very Merry Christmas & Happy New Year from Bradley Taylor Mortgage Services 🎄🎅🎉

Thankyou to everyone for your continued support throughout the year, here’s to 2026 🍻🥂

18/12/2025

The Bank's interest rate heavily influences the cost of borrowing, including for mortgages, as well as the returns given to people saving money.

10/11/2025

Thanks to everyone who has supported us over the years 🙏🏼

06/11/2025

It's the final decision on the base rate before Chancellor Rachel Reeves delivers her Budget later this month.

Address

Friars House, Manor House Drive
Coventry
CV12TE

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 6pm

Telephone

+442475122639

Website

https://www.btaylormortgages.co.uk/

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