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 impartial advice on mortgages, insurance, and protection products tailored to individual client needs. As an authorised and regulated firm by the Financial Conduct Authority (FCA), we prioritise transparency, client education, and long-term relationships. Our services include first-time buyer mortgages, remortgaging, buy-to-let properties, adverse credit mortgages, buildings and contents insurance, and comprehensive protection policies.We operate with a whole-of-market approach, accessing the full range of financial products to secure competitive rates for clients. Our team, led by Lindsay Bratt and Paul Skeggs, ensures a stress-free application process while maintaining compliance with regulatory standards. Customer testimonials highlight our professionalism, expertise, and commitment to resolving client concerns through the Financial Ombudsman Service when necessary.
Services
Mortgages
Insurance
Protection
Commercial Mortgages
Pension Planning
Risk Management
Specialist Insurance
Will Writing Service
Adverse Credit Mortgages
Buy to Let Mortgages
Highlights and features
- We have over 50 years of combined experience in financial services.
- Our FCA authorisation ensures regulatory compliance and client protection.
- We offer whole-of-market mortgage and insurance product access.
- Our stress-free service manages applications from start to finish.
- We maintain lasting client relationships through transparent communication.
Associations and certifications
- Financial Conduct Authority
What people say
Friendly service
Highly recommended
Stress-free experience
Competitive rates
Expert guidance
Services
Mortgage Advice
We provide impartial mortgage advice tailored to individual financial circumstances. Our FCA-regulated team accesses the entire market to secure competitive rates for first-time buyers, remortgaging, buy-to-let properties, and adverse credit scenarios. With over 50 years of combined experience, we ensure transparent communication and stress-free application processes.
Insurance Brokering
Our whole-of-market insurance service compares policies for buildings, contents, and specialist coverage. We prioritise protection quality over price, offering free consultations to identify optimal coverage. No fees or obligations apply, with expertise spanning 50 years of market analysis.
Mortgage Protection
We offer critical illness cover, income protection, and life assurance policies to safeguard mortgage commitments. Our independent advice evaluates term insurance, accident/sickness/unemployment plans, and customised solutions. Services include free risk assessment tools and no-obligation consultations.
People
Lindsay Bratt
Financial Advisor
With over 25 years in financial services, Lindsay specialises in mortgage and protection advice. Known for clear communication and client-focused solutions, she has helped numerous first-time buyers navigate the property market.
Paul Skeggs
Financial Advisor
Paul brings extensive mortgage brokering experience, focusing on remortgaging and buy-to-let properties. His expertise in adverse credit scenarios and commitment to long-term client relationships have earned consistent industry recognition.
Questions
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority (FCA) under reference 630272.
What mortgage types do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, adverse credit mortgages, and commercial mortgages.
How do you charge for mortgage advice?
We offer free initial consultations. A typical mortgage arrangement fee of £395 applies when proceeding with a mortgage application.
Can you help with insurance policies?
Yes, we compare buildings, contents, and specialist insurance policies with no fees or obligations.
What protection products are available?
We offer critical illness cover, income protection, life assurance, and mortgage payment protection plans.
Do you offer online services?
While we prioritise face-to-face consultations, we provide email updates and phone support for client convenience.
