Expert Mortgage & Protection Advice
Tailored to you. Trusted guidance, personal service, and support at every step of your journey.
How we can help
First-Time
Buyers
Buying your first home doesn't have to be overwhelming. We'll guide you through every step, from mortgage options to securing the right protection.
Home
Movers
Moving home? We'll help you find the right mortgage for your next property and make the process as smooth and stress-free as possible.
Remortgages &
Buy to Let
Whether you're looking for a better deal, releasing equity or expanding your property portfolio, we'll find the mortgage that suits your goals.
Protection
Protect what matters most with tailored life insurance, critical illness cover and income protection for you, your home and your family.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.
Meet the team
At Bagria Home Finance, we believe great mortgage advice is built on trust, expertise and lasting relationships. With over 20 years of experience, Gurch provides tailored mortgage and protection advice designed around your individual needs and circumstances. Whether you're buying your first home, moving, remortgaging or investing in buy-to-let, we'll guide you through every stage with clear, honest advice. We also help protect what matters most with carefully selected insurance solutions for you and your family. With access to over 10,000 mortgage products from more than 100 lenders, we work hard to find the right solution for you. Meet face-to-face or over the phone at a time that suits you, and enjoy a personal service from start to finish.
"I believe everyone deserves clear, honest advice they can trust. My job is to guide you every step of the way, helping you protect what matters most with confidence."
"I'm here to make the process as smooth and stress-free as possible. From managing your application to keeping you updated every step of the way, I'll ensure everything stays on track and you're supported from start to finish."
Find out how much you could borrow
Find out how much you could borrow with our maximum borrowing calculator. It's a great starting point for planning your next step, but remember every lender assesses applications differently. For tailored advice based on your circumstances, we're here to help. Fill out your details below and we will be in touch.
This information is a guide only and should not be relied on as a recommendation or advice
Hear what our customers say
Supporting your financial journey
We're here to make things as clear and straightforward as possible. Browse our frequently asked questions for guidance on some of the most common areas we help with.
How much can I borrow for a residential mortgage?
The amount you can borrow depends on factors such as your income, outgoings, credit history and lender criteria. Lenders will also assess your lifestyle costs and 'stress test' your application to ensure you could still afford repayments if circumstances change. As every lender has different criteria, borrowing amounts can vary significantly. At Bagria Home Finance, we work with over 100 lenders to help match you with a suitable mortgage and provide personalised advice based on your individual circumstances.
When should I start looking to remortgage?
We recommend reviewing your mortgage with us up to six months before your current deal ends. Many lenders allow you to secure a new rate in advance, helping you plan ahead with confidence. This protects you if interest rates rise. You can still switch to a better deal if rates drop before the new deal begins, and we proactively monitor rates on our clients behalf to ensure you secure the most suitable mortgage for your needs.
Do I need life insurance or other insurance policies when I take out a mortgage?
While life insurance and other protection policies aren't a legal requirement when taking out a mortgage, protecting one of your biggest financial commitments can provide valuable peace of mind for you and your loved ones. The right cover can help reduce financial worry if the unexpected happens, whether that's death, a serious illness, or being unable to work due to injury or ill health. Depending on your needs, this could include Life Insurance, Critical Illness Cover, and Income Protection, helping to protect your home, your income, and your family's lifestyle. We can help you understand the options available and recommend cover tailored to your individual needs and circumstances.
How often should I review my insurance policies?
It's important to review your insurance arrangements whenever a significant life event happens; such as buying a home, getting married, having children, changing jobs or taking on additional financial commitments. As your circumstances change, your protection needs may change too. Booking in a review with us will help ensure your cover remains suitable and continues to provide the financial security you and your loved ones need.
Do I need buildings insurance when buying a property?
If you're buying a freehold property, Buildings Insurance is usually a condition of your mortgage and must be in place from the point of exchange (or completion, depending on your purchase). We can also help arrange Landlords Insurance for buy-to-let properties and Commercial Insurance for business premises, ensuring you have the right cover for your needs.
“We search over 100 lenders and compare more than 10,000 mortgage products to find the solution that's right for you. Straightforward, honest advice and a personal service are at the heart of everything we do”
Speak to an adviser today
We believe great advice starts with a conversation.
Whether you're exploring your options or ready to take the next step, we're here to help with clear, honest guidance you can trust.