📞 Call us on 01689324129 or ✉️ email enquiry@vdmortgages.co.uk to discuss your mortgage or home insurance needs
Committed to helping you secure the right mortgage with clarity and confidence. Our approach is personal, local, and built on trust. Whether you’re buying your first home, moving, or remortgaging, we are here to provide clear guidance, tailored solutions, and genuine care every step of the way.
Book Your Free ConsultationThis information is a guide only and should not be relied on as a recommendation or advice.
Get an estimate of the total upfront cost of buying a home in England or Northern Ireland — including your deposit, Stamp Duty Land Tax (SDLT), and the other typical fees involved.
This calculator provides an estimate only, based on current published SDLT rates for England & Northern Ireland. This information is a guide only and should not be relied on as a recommendation or advice.
Select a date and time and we’ll confirm your appointment. You might be eligible for a new customer reward scheme if you book your consultation before 31st Dec 2026 subject to New Customer Reward Scheme T&C
By submitting this data, you agree for your data to be used, in line with the privacy policy.
Effective Date: 06/02/2026
VD Mortgages is a trading style of Kingsbridge Mortgage Advice Ltd, Trym Lodge, 1 Henbury Road, Westbury-on-Trym, Bristol, BS9 3HQ. Registered in the UK under company number 12841963.
At Kingsbridge, we’re committed to protecting and respecting your privacy.
This Policy explains when and why we collect personal information, how we use it, the conditions under which we may disclose it to others and what choices you have. It relates to all our business activities, not just this website.
We may change this Policy from time to time so please check this page occasionally to ensure that you’re happy with any changes. By using our services, you’re agreeing to be bound by this Policy.
Any questions regarding this Policy and our privacy practices should be sent by email to info@kingsbridgemortgages.co.uk, or via the other methods on our contact page.
VD Mortgages is a trading style of Kingsbridge Mortgage Advice Limited.
We are Kingsbridge Mortgage Advice Ltd, a company providing advice on mortgages and other financial services.
We obtain information about you when you contact us to enquire about our services and when you use our website.
We collect information to allow us to fulfil our obligations to our clients, and to respond to business enquiries.
You have certain rights concerning the information we hold about you, as defined under the General Data Protection Regulation. If you wish to exercise these rights, please contact us.
This website uses cookies; by using and browsing the Kingsbridge website, you consent to cookies being used in accordance with this Policy. If you do not consent, you must turn off cookies or refrain from using the site.
Kingsbridge takes security seriously. Our internal Data Security Policy details the steps we take to safeguard and secure the information we collect.
Our Data Security Policy includes a clear process for handling a personal data breach, should one occur. Where appropriate, Kingsbridge will promptly notify you of any unauthorized access to your personal information.
If you wish to raise a complaint on how we have handled your personal information, you can contact us directly and we will investigate the matter. If you are not satisfied with our response you can also complain to the Information Commissioner’s Office (ICO).
We are Kingsbridge Mortgages Advice Ltd, a company providing mortgage and financial services advice to clients in the UK.
The company address is Trym Lodge, 1 Henbury Road, Westbury-On-Trym, Bristol, BS9 3HQ. Full contact details can be found on our contact page.
We obtain information about you when you contact us to enquire about our services.
We collect information to allow us to fulfil our obligations to our clients, and to respond to business enquiries.
We do not gather sensitive personal data. We expressly request that you do not provide any such sensitive data to us.
Our services are not directed to children under 13. If you learn that a child under 13 has provided us with personal information without consent, please contact us.
We will not sell or rent your information to third parties.
We may pass your information to third party service providers engaged to complete tasks and provide services on our behalf.
We may disclose information where required by law or regulation.
We may pass on your information to new owners or re-organised entities in the event of business restructuring.
This website is hosted in the EU, but we may use service providers in the United States and elsewhere. By using our website, you agree that your personal data may be transferred internationally.
| Name | What | Legal Ground | Purpose | 3rd Parties | Data Retention |
|---|---|---|---|---|---|
| Prospect, client & supplier contact information | Contract | To allow initial and ongoing contact | Microsoft 365 | Until request for deletion | |
| Invoicing | Client & supplier purchase history & contact information | Legal obligation | For invoicing | 3rd party accounting company | Indefinitely |
| Hosting Accounts / Domain Name Management / Client Email | Client contact information | Contract | Required to set up hosting accounts | Hostinger | Until account deletion |
| Server Logs | IP address | Legal obligation | Security & diagnostics | Hostinger | Indefinitely or until space required |
| Security | IP address | Legal obligation | Prevent attacks & security diagnostics | Hostinger hosting security features | Indefinitely |
You may request a copy of any data we hold about you. We will provide a CSV file containing your personal data.
If any information we hold is inaccurate or out of date, please contact us so we may correct our records.
You have the right to request erasure of your personal information unless required for legal or contractual obligations.
We do not use personal information for automated decision making or profiling.
You can find more information about how we use cookies on our cookie policy page.
Kingsbridge takes security seriously and has implemented physical, electronic and managerial procedures to safeguard your information.
We will promptly notify you of any unauthorized access to your personal information where appropriate.
If you wish to raise a complaint, contact us directly. If unsatisfied, you may contact the ICO.
We may occasionally update this privacy policy and will update the effective date accordingly.
Effective Date: 20-August-2026
This Cookie Policy explains what cookies are and how we use them, the types of cookies we use, the information we collect using cookies, how that information is used, and how to manage your cookie settings.
Cookies are small text files stored on your device when the website is loaded in your browser. These cookies help us make the website function properly, make it more secure, provide better user experience, and understand how the website performs and where improvements are needed.
Like most online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are essential for the website to function correctly and do not collect personally identifiable data.
Third-party cookies help us understand website performance, user interaction, security, relevant advertising, and overall user experience. They also help speed up future interactions with our website.
Necessary cookies enable basic site features such as secure log-in or adjusting consent preferences. These cookies do not store personally identifiable data.
| Cookie | Duration | Description |
|---|---|---|
| wt_consent | 1 year | Used for remembering users’ consent preferences on subsequent visits. It does not collect personal information. |
Functional cookies support features such as social media sharing, feedback collection, and other third‑party integrations.
| Cookie | Duration | Description |
|---|---|---|
| No cookies to display. | ||
Analytical cookies help us understand visitor interactions, including metrics such as visitor count, bounce rate, and traffic sources.
| Cookie | Duration | Description |
|---|---|---|
| No cookies to display. | ||
Performance cookies help us analyze key performance indicators to improve user experience.
| Cookie | Duration | Description |
|---|---|---|
| No cookies to display. | ||
Advertisement cookies provide customized ads based on previously visited pages and help analyze ad campaign effectiveness.
| Cookie | Duration | Description |
|---|---|---|
| No cookies to display. | ||
Other cookies are those that are still being identified
A person who completes the Refer-A-Friend online form on https://vdmortgages.co.uk/ website to VD Mortgages for Mortgage advice.
A person whose contact details are passed to VD Mortgages by the Referrer.
The point when your mortgage lender appointed via VD Mortgages provides the mortgage funds and the mortgage transaction is completed.
Both the Referrer and the Referred Friend are entitled to a £50 Amazon voucher each, as long as these terms and conditions have been followed.
VD Mortgages is a trading style of Kingsbridge Mortgage Advice Ltd, an appointed representative of The Right Mortgage Ltd who are authorised and regulated by the Financial Conduct Authority.
VD Mortgages runs a couple of different reward schemes. Please select the terms and conditions you'd like to read:
A person who books a consultation using link Book Your Free Consultation for Mortgage advice and does not already exist in VD Mortgages client list.
The point when your mortgage lender appointed via VD Mortgages provides the mortgage funds and the mortgage transaction is completed.
New Customer is entitled to a £100 Amazon voucher, as long as these terms and conditions have been followed.
VD Mortgages is a trading style of Kingsbridge Mortgage Advice Ltd, an appointed representative of The Right Mortgage Ltd who are authorised and regulated by the Financial Conduct Authority.
This guide breaks the journey into clear, practical steps so you know what to do, when to do it, and what to expect.
Before looking at properties or mortgages, get clear on what “first home” means for you.
Your budget is shaped by your income, deposit, credit profile, and existing commitments.
A Mortgage in Principle shows how much a lender may be willing to lend.
Begin viewing homes that match your criteria.
Once you find a property you love, make an offer through the estate agent.
Your adviser will help gather documents and submit your full application.
The lender checks the property value and your financial profile.
Your solicitor handles searches, contracts, and legal checks.
The purchase becomes legally binding and a completion date is set.
The mortgage funds are released and you officially own your first home.
Everything you need to know about purchasing investment property through a Special Purpose Vehicle (SPV) Limited Company.Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A Special Purpose Vehicle (SPV) is a limited company set up solely to hold and manage property investments.
Company BTL mortgages usually require higher deposits than personal BTL.
Lenders assess affordability based on rental income rather than personal salary.
You’ll need documents for both the company and the directors.
Not all lenders support SPV company lending — choosing the right one matters.
Many investors choose company BTL for tax efficiency.
The lender reviews both the company and the directors.
Once completed, the property is owned by the company and let to tenants.
Moving home while managing your existing mortgage, new borrowing, and timing between sale and purchase.
Understand whether you can port your current mortgage or need a new deal.
Work out how much you need to borrow for the new property.
Coordinate sale, purchase, and mortgage completion dates.
Review your current deal, avoid reverting to the lender’s SVR, and explore options to save money or raise capital. Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Understand when your current rate ends and what happens next.
Clarify whether you want to reduce payments, shorten term, or raise capital.
Review rates, fees, and flexibility across multiple lenders.
Switch to a new deal with your existing lender, often with minimal paperwork and no valuation fees.
See what new products your current lender offers.
Ensure staying with your lender is still competitive.
Agree the new product and confirm start date.
Guidance for landlords buying or refinancing investment property in their own name. Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
Decide whether you’re building a portfolio or buying a single property.
Understand deposit requirements and rental stress tests.
Personal BTL is taxed differently to company BTL.
Protect your property and belongings with the right buildings and contents cover.
Covers the structure of your home against insured events.
Protects your belongings inside the home.
Additional cover for peace of mind.
Specialist cover for rental properties, protecting both the building and your liability as a landlord.
Protects the structure of your rental property.
Protects you against claims from tenants and third parties.
Additional protection tailored to landlords.
Protect your rental income against tenant default and certain legal costs.
Policies vary, but typically cover missed rent and legal action.
Strict criteria often apply.
Consider rent guarantee as part of your wider risk management.
Clear, practical guides to help you understand key mortgage and protection topics.
Explains core concepts such as interest rates, terms, and repayment types.
Overview of life cover, critical illness, income protection, and home insurance.
Resources for buy‑to‑let landlords and portfolio builders.
Get in touch to discuss your plans and receive tailored, FCA‑regulated advice. Choose whichever way suits you best.
Speak directly with us about your needs.
01689324129Message us directly for a quick response.
07834081894By submitting this data, you agree for your data to be used, in line with the privacy policy.
Our vision is to build a trusted, local mortgage service where every client feels understood, supported, and confident from start to finish. We aim to create an experience that replaces stress with clarity, uncertainty with guidance, and complexity with simple, practical solutions. Over time, we want to become a recognised and respected advisory service in the community — known for integrity, ownership, and a genuine commitment to helping people secure the right mortgage for their future.
With over 25 years of experience working in major investment banks, I’ve built a career around understanding people’s needs and delivering solutions that genuinely make a difference. Although my roles included IT development, business analysis, and project management, the heart of my work has always been the same: listening carefully, solving complex problems, and ensuring the people I support achieve the outcomes they’re aiming for.
Over the last decade, I’ve worked closely with a wide range of teams — from sales and trading to operations — helping them navigate challenges and find clear, practical solutions. I’ve always taken pride in taking full ownership of my work and seeing projects through to a successful result.
What truly motivates me is seeing clients benefit from the support I provide. I’ve always put people’s needs first, and I’m driven by the satisfaction of removing their pain points and helping them move forward with confidence. That same commitment now guides me as a mortgage advisor: understanding your goals, simplifying the process, and making sure you feel supported every step of the way.
Enter your monthly committed and discretionary expenses to calculate your disposable income.
Total Committed: £0
Total Discretionary: £0
|
Net Income (£): |
|
Total Committed Expenditure: £0 |
|
Other Debt: £0 |
|
Disposable Income: £0 |
|
Total Discretionary Expenditure: £0 |
|
Total: £0 |
This information is a guide only and should not be relied on as a recommendation or advice.
See what our clients have to say, and feel free to leave a review of your own experience with us.
No reviews yet — be the first to leave a review!
We'd love to hear about your experience. Your feedback helps us improve and helps other clients feel confident choosing us.
By submitting this data, you agree for your data to be used, in line with the privacy policy.
Know someone who could use some mortgage advice? Let us know a little about them and we'll get in touch to help.
Please fill in your details along with your friend's, and we'll reach out at a time that suits them.Please ensure you have consent from the person recommended and they are happy to be contacted by us.
By submitting this data, you agree for your data (and your friend's) to be used, in line with the privacy policy and accept the Referral terms and conditions mentioned in Referral T&C.Offer closes at 23:59 on 31st December 2026. Any referrals submitted after the offer closing time will not qualify for referral voucher.
Answers to some of the questions we're asked most often about getting a mortgage. Click a question to expand it.
Most lenders base this on a multiple of your income (typically around 4 to 4.5 times your annual salary), alongside your outgoings, credit history, and the size of your deposit. We can run an affordability check with you to give an accurate figure for your circumstances.
Most mortgages require a minimum deposit of 5-10% of the property's value. A larger deposit (15-25%+) usually unlocks better interest rates, so it's worth saving more if you can.
A Decision in Principle is an estimate from a lender of how much they might lend you, based on a quick credit check and some basic information. It's not a guarantee, but it shows sellers and estate agents that you're a serious buyer.
A Decision in Principle can often be arranged reasonably quickly. A full mortgage application, from submission to formal offer, typically takes 2-6 weeks depending on the lender and the complexity of your circumstances.
There's no single "pass mark" - each lender has its own criteria. Generally, a good, consistent credit history improves your options and the rates available to you. If your credit history isn't perfect, there are still often options available - talk to us about your situation.
A fixed rate keeps your monthly payment the same for an agreed period, giving you certainty and protection from rate rises. A variable (or tracker) rate can move up or down with the market, which could mean lower costs but less predictability. The right choice depends on your budget and appetite for risk - we can talk through the trade-offs with you.
Costs can include a mortgage arrangement/product fee, a valuation fee, legal/conveyancing fees, and sometimes a broker fee. Some products have no arrangement fee but a slightly higher rate instead - we'll help you compare the true overall cost, not just the headline rate.
Yes - options such as the Lifetime ISA, mortgage guarantee schemes, and some lender-specific first-time buyer products can help. Availability and eligibility can vary and change over time, so it's worth checking your options with us directly.
Typically: proof of ID, proof of address, recent payslips (or accounts if self-employed), bank statements, and details of any existing debts or credit commitments. We'll give you a full checklist tailored to your situation before you apply.
It's not the end of the road. There are often other lenders with different criteria who may still be able to help, depending on the reason for the decline. We can review what happened and explore alternative options with you.
A selection of trusted, commonly used websites for house buying, mortgages, and insurance - handy resources alongside the advice we provide.
These are external, third-party websites provided for convenience. We are not responsible for their content and linking to them does not imply an endorsement.
Kingsbridge Mortgage Advice Ltd.
Trym Lodge,
1 Henbury Road,
Westbury-on-Trym,
Bristol,
BS9 3HQ.
Registered in the UK under company number 12841963.
Mon–Fri: 9am–6pm
Sat: 1pm–5pm
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
VD Mortgages is a trading style of Kingsbridge Mortgage Advice Ltd, an appointed representative of The Right Mortgage Ltd who are authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales no. 12841963. Registered Address : Cornerstone House Midland Way, Thornbury, Bristol, BS35 2BS.
Some of the images on this website are generated by artificial intelligence and are intended for illustrative purposes only. They do not depict any real individuals, events, or locations. Any resemblance to real people or places is coincidental.
© 2026 VD Mortgages. All rights reserved.
🍪 We use cookies to make our website work properly, understand how it's used, and improve your experience. You can accept all cookies or decline non-essential ones. See our Cookie Policy for details.
