Will Joyce

As a financial adviser based in the heart of Bath, I specialise in guiding clients through the complexities of residential mortgages. My approach centres on understanding the unique needs of each individual, ensuring that the mortgage journey is not just a transaction but a well-informed decision-making process. Navigating the property market can be daunting, especially with the myriad of options and regulations in play. I take pride in demystifying these complexities for my clients. My methodology begins with a thorough consultation, where I listen to your aspirations and concerns regarding home ownership. This initial discussion lays the groundwork for a deeper exploration of your financial circumstances and goals. Once we establish a clear picture, I delve into the various mortgage products available, highlighting those that align with your specific situation. Whether you are a first-time buyer, looking to move up the property ladder, or considering a remortgage, I provide insights into the different types of mortgages, including fixed-rate, variable-rate, and help-to-buy schemes, ensuring you are equipped with the knowledge necessary to make informed choices. Throughout the application process, I remain engaged, assisting with the paperwork and liaising with lenders on your behalf. I understand that securing a mortgage is often time-sensitive, so I prioritise efficiency while ensuring all details are meticulously managed. My aim is to streamline the experience, allowing you to focus on the excitement of finding your new home. I firmly believe in empowering my clients through education. I take the time to explain the implications of each decision, from understanding interest rates to assessing the total cost of a mortgage over its lifetime.