BatesWilcox Mortgage Solutions

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BatesWilcox Mortgage Solutions We provide a complete solution for your mortgage and protection needs. Registered Office: 3 Mill Court, Mill Lane, Newbury, Berkshire, England, RG14 5RE.

BatesWilcox Mortgage Solutions Ltd, trading as BatesWilcox Mortgage Solutions, is an appointed representative of HLPartnership Limited which is authorised and regulated by the Financial Conduct Authority. BatesWilcox Mortgage Solutions Ltd is registered in England and Wales with company number 12030990. The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding, but we estimate it will be £399. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

15/10/2026

Moving to the UK, or returning after time abroad? 🌍🏡

Getting a mortgage may be more achievable than you think.

Some lenders are becoming more flexible with their criteria, with higher loan-to-value mortgages available to eligible applicants who may previously have needed a much larger deposit.

Charlotte explains what's changing and why it's worth exploring your options if you're planning to buy a home in the UK.

📞 Speak to the BatesWilcox team on 0118 304 5300
💬 Send us a message

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

A mortgage application is about more than just your income. Lenders will also look at how your finances have been manage...
12/10/2026

A mortgage application is about more than just your income. Lenders will also look at how your finances have been managed over time.

A few simple things can help keep your credit profile in good order:
✅ Keep regular payments and direct debits up to date
✅ Make sure your address details are correct across your accounts
✅ Deal with outstanding debts or payment issues promptly

There is no single “perfect” credit score that guarantees a mortgage, and different lenders assess credit history in different ways.

If you’re planning to apply for a mortgage, the BatesWilcox team can help you understand what lenders may look for and how to prepare.

☎️ Speak to our team on 0118 304 5300

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

Mortgage rates usually grab the headlines, but lender criteria can change just as quickly.Knowledge Bank recorded more t...
08/10/2026

Mortgage rates usually grab the headlines, but lender criteria can change just as quickly.

Knowledge Bank recorded more than 6,800 lender criteria changes during August 2026, the highest monthly total so far this year.

Those changes can affect everything from how a lender looks at your circumstances to the types of applications and properties they’ll consider.

It’s why a mortgage option that wasn’t available to you previously may be worth revisiting, and why comparing rates alone only tells part of the story.

If you’re planning to buy, move or remortgage, the BatesWilcox team can help you understand the current criteria as well as the rates 🤝

📞 Give us a call on 0118 304 5300

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

source: https://www.mortgagesolutions.co.uk/mortgage-news/2026/09/10/lenders-ramp-up-criteria-activity-with-record-month-for-changes-and-additions/

Self-employed and planning to buy or remortgage? There’s an important tax update to be aware of ❗️The 5th October deadli...
06/10/2026

Self-employed and planning to buy or remortgage? There’s an important tax update to be aware of ❗️

The 5th October deadline to register for Self Assessment for the 2025/26 tax year has now passed. If you needed to register and haven’t done so yet, HMRC advises registering as soon as possible.

There are still two key dates ahead:
🗓️ 31st October 2026: HMRC must receive paper tax returns by this date.
🔴 31st January 2027: The deadline for submitting an online tax return and paying any tax due.

Keeping your financial records clear and up to date can make preparing for a mortgage application more straightforward, particularly where a lender needs to assess self-employed income over several years.

If you're self-employed and thinking about buying or remortgaging, we can help you understand what documentation lenders may ask for.

📲 Call us on 0118 304 5300

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

Nearly 330,000 mortgages were advanced to people aged over 55 in 2025, and only 9% were lifetime or Retirement Interest ...
30/09/2026

Nearly 330,000 mortgages were advanced to people aged over 55 in 2025, and only 9% were lifetime or Retirement Interest Only mortgages.

It’s a useful reminder that approaching retirement with a mortgage doesn’t automatically mean your options disappear.

Lenders can consider factors including your mortgage term, income now and in retirement, and overall affordability.

If your mortgage is likely to continue beyond retirement, it’s worth understanding your options early.

📞 0118 304 5300
💬 Send us a message

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

Source: https://www.fca.org.uk/news/speeches/later-life-lending-building-fourth-retirement-pillar

Charlotte and Natalie were out of the office yesterday for the HSBC UK Intermediary Roadshow 🏦Events like this are a val...
30/09/2026

Charlotte and Natalie were out of the office yesterday for the HSBC UK Intermediary Roadshow 🏦

Events like this are a valuable chance to hear directly from lenders, keep on top of changes in the mortgage market and understand how criteria and lending decisions are evolving.

A particular highlight was hearing from HSBC’s Chief Economist, who shared insight into the wider economy, the interest rate environment and some of the factors that could influence where the market heads next.

With products and lender criteria changing regularly, staying close to what’s happening behind the scenes helps us have better, more informed conversations with our clients 🤝

Your mortgage doesn't stop if your salary does.Income Protection Action Week runs from 21 to 25 September, making it a g...
24/09/2026

Your mortgage doesn't stop if your salary does.

Income Protection Action Week runs from 21 to 25 September, making it a good time to think about what would happen financially if illness or injury left you unable to work.

Income protection is designed to replace part of your income in those circumstances, helping you continue to meet everyday commitments such as your mortgage and household bills.

It’s the type of cover many of us hope we’ll never need, but it’s worth knowing what protection you have in place.

📞 Speak to the BatesWilcox team on 0118 304 5300
💬 Send us a message

As with all insurance policies, conditions and exclusions will apply.

22/09/2026

Could you borrow more than you think? 🏡

Some lenders have increased the income multiples they’ll consider, potentially opening up more options for people buying a home or remortgaging.

As Charlotte explains, borrowing power isn't simply a case of multiplying your salary. Your circumstances and the lender's criteria still matter.

If you're wondering what you could borrow, we're here to help you explore your options.

📞 0118 304 5300
💬 Send us a message

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

There’s something really special about helping someone with their first home and then being there again when it’s time t...
18/09/2026

There’s something really special about helping someone with their first home and then being there again when it’s time to remortgage years later. 🏡

Building long-term relationships with our clients is a huge part of what we do, so feedback like this means a lot to Charlotte and the whole BatesWilcox team.

Thank you for taking the time to leave such a lovely review 💛

📲 We’re on hand to help, call us on 0118 304 5300

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

Two people can earn exactly the same salary and have very different mortgage options.That’s because affordability isn't ...
16/09/2026

Two people can earn exactly the same salary and have very different mortgage options.
That’s because affordability isn't based on income alone.

Existing credit commitments, regular expenditure, dependants, the mortgage term and the size of the deposit can all influence how much a lender may be prepared to offer.

It’s why an online income multiple can only tell you so much. Your actual circumstances tell a much bigger story.

If you're thinking about buying or moving, we can help you understand what your numbers could look like.

📞 0118 304 5300
💬 Send us a message

Your home/property may be repossessed if you do not keep up with the repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances but will be agreed with you before proceeding.

Address

Reading

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm
Saturday 9:30am - 5pm

Telephone

+441183045300

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