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

BatesWilcox Mortgage Solutions

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United Kingdom
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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 debt

s 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.

03/06/2026

Life cover and critical illness cover are not the same thing, and the difference matters to you 🫵🏻

Life cover pays out when you die. Critical illness cover pays out when you are diagnosed with something serious such as cancer, a heart attack or a stroke. For most people, the second scenario is actually more likely to affect them during their mortgage term.

It is a conversation worth having sooner rather than later and Charlotte and Natalie are always happy to talk through your options 🤝

📲 Call us now on 0118 304 5300

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

29/05/2026

We swapped navigating mortgages for boats & locks as part of our team day in the sun recently ☀️

A lovely day out with the team to relax, now we're back on dry land and ready to help with your mortgage and protection needs 🤝

28/05/2026

Waiting for the perfect time to buy your first home? Here is something worth hearing 🏡
There will always be a reason to wait. Rates could drop further. Prices might dip. The market might settle. And while you are waiting, rents keep rising, savings targets keep moving, and the goalposts shift again…

The buyers who make it onto the ladder are rarely the ones who timed the market perfectly. They are the ones who got their finances in order, understood what they could borrow, and moved when the right property came along.

That starts with a conversation. If you are thinking about buying this year, speak to Charlotte, Natalie and the team and find out exactly where you stand ✅

📞 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.

27/05/2026

Stamp duty has changed, and depending on whether you are a first time buyer, a home mover, or purchasing an additional property, the rules work quite differently 🏡

Charlotte has put together a quick update breaking down exactly what applies to each situation and what you can expect to pay.

If you are planning a purchase and want to make sure you understand the costs involved before you go any further, this one is worth a watch.

As always, Charlotte, Natalie and the team are on hand if you want to talk through your specific situation.

📲 0118 304 5300 or email [email protected]

24/05/2026

Just over a week til our very own Natalie will be taking part in her first ever horse race all for the amazing HEROS Charity at Newbury Racecourse 🐎

Natalie also just received some brilliant news that she will be riding one of her favourite horses Silver Trumpet on raceday 🎺

Please donate if you can and help fund the amazing work of HEROS ➡️ https://www.justgiving.com/page/natalie-wilcox-1

22/05/2026

Moving home is exciting. Being stuck in a chain is anything but 😅

Most delays in a property move do not happen at the mortgage stage. They happen because someone further along the chain is waiting on a survey, or a solicitor, or a buyer who has gone quiet. You cannot control what everyone else does, but you can make sure that your side of things is in the best possible shape.

That means having your mortgage agreed early, your paperwork ready, and a broker who will chase things through when they need chasing.

Charlotte, Natalie and the team have seen every version of a complicated chain and know how to keep things moving at their end. If you are planning a move this year, get in touch early 🏠

📲 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.

20/05/2026

Most people know lenders check their credit score. Fewer realise how closely they look at three to six months of bank statements too 👀

Regular gambling activity, frequent overdraft use, large unexplained transfers, subscriptions quietly leaving the account each month, these are the kinds of things lenders notice and ask questions about.

None of it is automatically a problem. But it is worth knowing before you apply, not after.

At BatesWilcox, we look at your finances early in the process so that if anything needs addressing, there is still time to do something about it. Clear and practical advice from the start, no surprises ✅

📲 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.

15/05/2026

50,000 first-time buyers used a Lifetime ISA to help get onto the property ladder last year 🏡

It is a useful reminder of the different ways people are pulling together their first deposit, and how much planning can go into that stage before a mortgage conversation even begins.

When you are ready to take the next step, that is where Charlotte, Natalie and the team come in. Understanding what you can borrow, which mortgage options suit your situation, and how to put your best foot forward with a lender are all things we help first-time buyers work through every day. ✅

If you are saving towards your first home and want to know where you stand on the mortgage side, get in touch.

📲 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.

12/05/2026

The answer comes down to something called swap rates 📊

When a lender fixes your rate for two or five years, they are taking on the risk that interest rates could move significantly during that time. To manage that risk, they use agreements in the wholesale money markets called interest rate swaps, and the cost of those agreements feeds directly into the rate they offer you.

Swap rates are driven by what financial markets expect rates to do in the future, not just where the base rate sits today. It is why fixed rates can rise even when the Bank of England holds steady, and why they sometimes fall before any official cut has been made.

If you are thinking about fixing and want to know what makes sense for your situation right now, we’re here to help 🤝

☎️ 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.

09/05/2026

If it is… the most useful thing you can do right now is find out exactly when your deal ends and start the conversation early ❗️

Most lenders allow you to secure a new rate up to six months before your current deal finishes, which means you can lock something in without being rushed, and without rolling onto a standard variable rate in the meantime.

Mortgage rates have been moving a lot in 2026. In an uncertain market, having the right advice makes a real difference.

Charlotte, Natalie and the team can review your current deal, compare what is available across a comprehensive range of lenders, and help you decide what makes sense for your situation 🏠

📱 Let’s have a chat: 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.

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

Website

http://www.bateswilcox.co.uk/

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