Business Details
Trusted Mortgage Brokers in Penzance
Bolitho Skeggs & Bratt is an independent mortgage advisory firm based in Penzance, Cornwall, with over 50 years of combined experience in financial services. We specialise in providing tailored mortgage, insurance, and protection solutions to meet individual client needs. As an FCA-authorised firm, we prioritise transparency, offering access to the entire financial marketplace to secure competitive rates.Our approach focuses on building long-term relationships through personalised service, ensuring clients receive suitable recommendations backed by expert guidance. We manage applications from start to finish, maintaining clear communication to deliver a stress-free experience. Our reputation is built on client referrals and consistent delivery of reliable, professional advice.
Services
Mortgages
Insurance
Protection
Commercial Mortgages
Conveyancing
Pension Planning
Risk Management
Specialist Insurance
Will Writing Service
Adverse Credit Mortgages
Highlights and features
- We offer 50+ years of combined experience in financial services.
- Our team is authorised and regulated by the Financial Conduct Authority.
- We provide whole-of-market access to secure the best mortgage rates.
- Our service manages applications from start to finish with full transparency.
- We build lasting relationships through client-focused advice and referrals.
Associations and certifications
- Financial Conduct Authority
What people say
Friendly service
Highly recommended
Professional and efficient
Stress-free experience
Knowledgeable advisors
Services
Mortgage Advice
We provide independent mortgage advice tailored to individual financial goals. Our services include first-time buyer mortgages, remortgaging, buy-to-let properties, and adverse credit mortgages. With access to the entire financial marketplace, we secure competitive rates and guide clients through the application process from start to finish.
Insurance Brokering
Our insurance services cover buildings, contents, and specialist policies. We search the market to find cost-effective coverage that meets individual needs, ensuring adequate protection. We offer impartial advice on policy selection, balancing price with comprehensive coverage to safeguard clients' assets.
Mortgage Protection
We offer mortgage payment protection, income protection, critical illness cover, and life assurance. These policies ensure financial stability during unforeseen circumstances like unemployment, illness, or disability. Our advisors help clients select suitable plans with no obligation, leveraging their industry expertise to match coverage with personal circumstances.
Commercial Mortgages
We assist businesses in securing commercial mortgages for premises acquisition. Our services connect clients with specialists offering tailored financing solutions. We provide guidance on loan structures and terms, ensuring alignment with business growth objectives and financial capacity.
Conveyancing Referrals
We refer clients to qualified conveyancers for property transaction legalities. This includes remortgaging, home purchases, and sales. Our partners ensure compliance with legal requirements, facilitating smooth transfers of property ownership while maintaining transparency throughout the process.
People
Lindsay Bratt
Financial Advisor
With over 50 years of combined experience, Lindsay specialises in mortgage and protection advice. She prioritises client needs, offering clear explanations and tailored solutions. Her expertise ensures clients secure suitable financial products.
Paul Skeggs
Financial Advisor
Paul brings decades of financial services experience, focusing on mortgage brokering and client relationship management. His professional approach ensures clients receive competitive rates and comprehensive guidance throughout their financial journey.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, adverse credit mortgages, and commercial mortgages through whole-of-market access.
How do you help first-time buyers?
We explain mortgage options clearly, guide clients through the process, and secure competitive rates tailored to their financial situation.
Are your services regulated?
Yes, we are authorised and regulated by the Financial Conduct Authority for mortgage and protection advice.
Do you charge fees for mortgage advice?
We offer a free initial consultation. A typical mortgage arrangement fee of £395 applies if you proceed with a mortgage application.
What insurance policies do you cover?
We offer buildings, contents, specialist insurance, and protection policies like income cover and critical illness insurance.
How do you handle client complaints?
We resolve complaints directly. If unresolved, clients may refer issues to the Financial Ombudsman Service for independent review.
Reviews (1)
Jamie Newman-Leah
Nov 11, 2020
Report
Positive:Professionalism
As first-time buyers, my wife and I had absolutely no idea about mortgages and insurance. Lindsay took the time to explain everything to us in terms that were easy to understand and got us a fantastic deal on our mortgage and remortgage a few years later!
As first-time buyers, my wife and I had absolutely no idea about mortgages and insurance. Lindsay took the time to explain everything to us in terms that were easy to understand and got us a fantastic deal on our mortgage and remortgage a few years later!
