Mortgage Broker in Bath, Somerset – Michael Olivieri

Bath is one of the areas where Michael Olivieri offers tailored mortgage advice. Whether you’re purchasing a Georgian home, financing a semi-commercial property, or need guidance on a complex buy-to-let portfolio, Michael provides clear, regulated advice to help you make informed choices.

Expert Mortgage Services in Bath and Surrounding Areas

Bath, known for its historic buildings and growing property demand, is an ideal location for both homeowners and investors. Michael Olivieri offers support throughout Bath and surrounding Somerset towns, including:

• Frome

• Trowbridge

• Radstock

• Keynsham

• Shepton Mallet

• Midsomer Norton

This regional focus ensures clients receive advice that reflects local property values, lender attitudes, and development trends.

Residential and Buy-to-Let Mortgages in Bath

Michael helps clients in Bath secure mortgages for a wide range of properties. Whether you’re buying your first flat or upgrading to a family home, expect tailored advice that fits your income and long-term goals.

For landlords, including those investing in student accommodation or multiple flats under one title, Michael offers buy-to-let advice backed by UK lender expectations. He can also assist with Houses in Multiple Occupation (HMOs), including those needing licensing or fire safety compliance.

Bridging Finance Expertise

Bath’s competitive property market can lead to missed opportunities without fast funding. Bridging finance helps when traditional lending won’t move quickly enough—ideal if you’re:

• Purchasing at auction

• Renovating before refinancing

• Breaking a chain to avoid losing a purchase

• Buying uninhabitable property

Michael works with lenders who understand Bath’s unique housing stock, including properties with listed status or structural quirks. Terms are explained clearly, so you’ll understand the cost, repayment options, and exit strategy from the start.

Commercial and Semi-Commercial Property Mortgages

Commercial and semi-commercial buildings in Bath require advisers who understand mixed-use properties. From high street shops with flats above to converted offices or light industrial units, Michael sources mortgage solutions that consider rental income, location, and business use.

He supports both individual buyers and limited companies, ensuring affordability criteria are matched with the right lenders.

Limited Company Mortgages for Landlords

For landlords expanding through limited companies, Michael offers support in Bath and across Somerset. Whether you’re setting up a Special Purpose Vehicle (SPV) or already trading, he helps you meet lender criteria such as:

• SIC code alignment

• Deposit sourcing

• Director guarantees

• Stress testing rental yield

Company structures can be complex, but Michael ensures that documentation, income evidence, and lender forms are handled properly.

General Insurance Protection for Bath Buyers

A mortgage is only part of your financial plan. Michael also offers guidance on general insurance, including:

• Buildings and contents

• Landlord insurance

• Legal cover for tenancy issues

He’ll help ensure your policies meet lender requirements and protect your investment in case of damage or tenant disputes.

FCA-Regulated Advice Tailored to Bath’s Market

Michael Olivieri is FCA-regulated and offers advice that complies with UK lending criteria. Every client receives transparent, jargon-free recommendations, whether they are:

• Employed or self-employed

• First-time buyers or portfolio landlords

• Buying residential or commercial property

Expect clarity on interest rates, term lengths, deposit requirements, and lender rules that apply to Bath and its nearby towns.

Why Work With a Local Mortgage Broker in Bath?

• In-depth knowledge of Bath’s property types, from Georgian terraces to new-build apartments

• Experience with complex lending cases, including HMOs and multi-unit freeholds

• Strong relationships with UK lenders offering bridging, commercial, and company buy-to-let mortgages

• Realistic insight into affordability rules, especially for higher-value Bath postcodes

• Ongoing support, including liaising with solicitors and valuers

• Availability to meet in person or virtually at times that suit you

Nearby Locations Covered

Michael also supports clients looking in or relocating from:

• Frome

• Trowbridge

• Radstock

• Keynsham

• Shepton Mallet

• Midsomer Norton

This wider reach ensures consistency of advice if you’re comparing properties across Somerset or shifting between residential and investment opportunities.

Book Your Consultation Today

Whether you’re buying, refinancing, or expanding your property portfolio, Michael Olivieri is ready to help. Based in Bath, he combines local knowledge with national lender access to find the mortgage that fits you best.