How many mortgage brokers are in Torbay?

10 FCA-regulated firms are listed for Torbay.

Why use a mortgage broker in Torbay instead of only my bank?

Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Torbay often know which underwriters are comfortable with nearby property types and survey quirks. Property types vary enormously — from Bristol city flats to Cornish cottages. A local broker who understands non-standard construction (common in older properties here) can access specialist lenders most buyers wouldn't find on their own.

What does mortgage advice typically cost in Torbay?

Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.

What should I check before choosing a broker in Torbay?

Confirm FCA regulation on the register, match specialisations to your case (residential and buy-to-let), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Can I get a mortgage in Torbay with adverse credit?

Often yes. Torbay has advisers who work with specialist lenders when high-street banks say no. Earlier advice usually means more routes stay open.

Mortgage Brokers in Torbay, South West

Q: What do typical property prices look like in Torbay?

The average price in our data is £232,041 (down 2% year-on-year). The South West saw modest growth of 0.3% in 2025. The region's mix of coastal towns, rural areas, and cities like Bristol creates a varied market. Remote working trends continue to support demand in previously less accessible locations.

About Torbay

Plain-English context for buyers and people remortgaging — what the market looks like, how advice works here, and what to do next.

Compact table of top mortgage brokers in Torbay
#	Broker	Verified	Rating
1	A R Mortgages Ltd	Unverified	5.0 (24)
2	NG Mortgage Solutions	Unverified	5.0 (7)
3	Howard Mortgages	Unverified	5.0 (171)
4	Ellis-Ridings Mortgage Solutions	Unverified	5.0 (43)
5	Philip Meek Mortgages	Unverified	5.0 (122)
6	The Mortgage Man	Unverified	5.0 (3)
7	Greenlight Mortgages	Unverified	-
8	Signal Financial Services	Unverified	-
9	Mermaid Mortgages	Unverified	-
10	Headland Finance	Unverified	-

Local snapshot

Torbay (South West) lists 10 FCA-regulated mortgage brokers on Mortgage118. Typical sold prices here average £232,041 — down 2% year-on-year.

The South West saw modest growth of 0.3% in 2025. The region's mix of coastal towns, rural areas, and cities like Bristol creates a varied market. Remote working trends continue to support demand in previously less accessible locations.

Quick answers

How many mortgage brokers are in Torbay?: 10 FCA-regulated firms are listed for Torbay.
What do typical property prices look like in Torbay?: The average price in our data is £232,041 (down 2% year-on-year). The South West saw modest growth of 0.3% in 2025. The region's mix of coastal towns, rural areas, and cities like Bristol creates a varied market. Remote working trends continue to support demand in previously less accessible locations.
Why use a mortgage broker in Torbay instead of only my bank?: Whole-of-market brokers usually scan dozens of lenders, including specialists you cannot walk into on the high street. Local advisers in Torbay often know which underwriters are comfortable with nearby property types and survey quirks. Property types vary enormously — from Bristol city flats to Cornish cottages. A local broker who understands non-standard construction (common in older properties here) can access specialist lenders most buyers wouldn't find on their own.
What does mortgage advice typically cost in Torbay?: Many brokers offer a free first conversation. After that, some are paid by lender commission only; others charge a £300–£500 (or similar) fee on application or completion — always confirm fees in writing before you proceed.
What should I check before choosing a broker in Torbay?: Confirm FCA regulation on the register, match specialisations to your case (residential and buy-to-let), and read reviews. You want plain-English options, not a single “take it or leave it” product.

Prices and rates

Typical prices £232,041.

Annual movement about 2% (falling).

Mix of home types (averages)

Detached: £434,315
Semi-detached: £283,796
Terraced: £222,667
Flats: £143,691
First-time buyer purchases: £200,791

Borrowing costs in context

The Bank of England Bank Rate is one input to mortgage pricing; see the Bank base rate page on this site for the figure we publish. The deal you are offered still depends on deposit, term, fixed vs variable, and affordability stress tests — not any single headline rate.

Choosing advice

You can compare 10 firms side by side. 2 show 10+ years trading history.

Collective review score is 5.0/5 across 6 brokers with ratings — use it alongside specialisms and fee transparency.

Street-level detail

Property types vary enormously — from Bristol city flats to Cornish cottages. A local broker who understands non-standard construction (common in older properties here) can access specialist lenders most buyers wouldn't find on their own.

On the ground, a good adviser spots survey quirks, lease issues, and lender overlays that postcode-level stats miss.

Most offer a no-obligation first call so you can sense-check strategy before paying anything.

From application to completion

Shortlist two or three firms from the list above that match your situation (Torbay is already filtered for you).
Read profiles for fees, specialisms, and how they prefer to work (phone, video, face-to-face).
Book a first call — use it to test clarity and responsiveness, not just the rate quote.
Agreement in Principle (AIP) — when you are ready, your broker can run this so offers carry more weight with agents and vendors.

Find the Best Mortgage Brokers or Advisers in Torbay

Directory snapshot — Torbay

Need help choosing a broker?

Top 10 mortgage brokers in Torbay

A R Mortgages Ltd

NG Mortgage Solutions

Howard Mortgages

Ellis-Ridings Mortgage Solutions

Philip Meek Mortgages

The Mortgage Man

Greenlight Mortgages

Signal Financial Services

Mermaid Mortgages

Headland Finance

More areas in South West

Explore Postcode Districts Near Torbay

Market data for Torbay

Market data panel