Mortgage Rates

Confident with how it works? Learn more about our mortgage types:

Our mortgage rates will differ depending upon the type of mortgage you choose. Take a look at the options below to find the mortgage and rate that best suits your circumstances.

  • Standard

    This is a standard residential mortgage that suits most people's requirements. If you have a regular income (you're in full time employment and you're able to supply verification of your wages or if you're self employed and able to supply two years' audited accounts) you could qualify for a standard mortgage.

  • Self Certification

    Our specialist mortgages that enable buyers with irregular incomes to borrow up to 90% of a property's value. If the majority of your income is made up of bonuses, commission or investments, you'll require a Self Certification Mortgage. This is a mortgage where you certify your own income to us and we don't need this to be independently confirmed.

  • Buy to Let

    With over 10 years experience in this new field, Bristol & West Mortgages has created a Buy to Let fixed mortgage, especially designed for investors.

  • Professional

    Our Professional Mortgage can help first time buyers (in certain qualifying professions) to get onto the property ladder by increasing your borrowing power.

  • First Start

    This is our specialist mortgage to help first time buyers overcome the common problem many face - you've found the place you like, you could afford the repayments, but you don't earn enough to get the mortgage you need. First Start is a joint mortgage that you take out together with a parent or another close family member, so they are jointly responsible for the mortgage. It takes their income into account as well as yours, counting theirs as the main income, so the amount you can borrow could be significantly increased.