Review Time
Got the 95% LTV as promised, it took the possibly more than 4 hours as well as lot of convincing by Nikhil to get this done, He did charged for it, but it was worth it. Will definitely recommend him on this.
I had a great experience working with Nikhil on my mortgage. He is incredibly detail-oriented and proactive — constantly monitoring the market for better deals and keeping me informed of changing conditions. His guidance helped me make confident decisions, and he ensured the entire mortgage process was completed smoothly and on time. I truly appreciated his responsiveness and professionalism throughout. Would highly recommend him to anyone looking for a reliable mortgage advisor.
Absolutely fantastic guy — Nikhil is incredibly down to earth, speaks real truth, and always guides you in the right direction. He supported us throughout our first home purchase, from understanding mortgage products, interest rates, LTVs, and affordability checks to navigating solicitors, surveys, and exchange of contracts. At every stage, he explained the process in a clear, simple, and stress-free way, which made a huge difference for first-time buyers like us.Whenever we had doubts, he went above and beyond to put our minds at ease. Exceptionally proactive, highly knowledgeable in all aspects of the property and mortgage journey, and genuinely cares about his clients. Highly recommended to anyone climbing the property ladder.
Recently, I contacted Nikhil for my remortgage. Even though I reached out at the last minute before my previous fixed rate ended, he was extremely patient and took the time to understand my needs. He explained everything clearly and helped me make informed decisions before we moved forward.He is a great listener, understands client requirements well, and never puts any pressure on you. I would happily recommend him to anyone looking for remortgage advice and support.Thank you, Nikhil!
From start to finish, working with Nikhil was an exceptional experience. As we were raising money by converting my residential mortgage to buy to let to buy another property and getting both mortgages on time, whole process can feel overwhelming, but he made everything clear, structured, and stress-free.Right from our initial consultation, he took the time to understand our financial situation, long-term goals, and concerns. They explained all our options in detail, breaking down complex mortgage terms into language we could easily understand. We never felt rushed or pressured into making decisions, which we truly appreciated.What really stood out was his level of knowledge and attention to detail. He carefully compared multiple lenders, walked us through the pros and cons of each option, and ultimately secured us a competitive rate that suited our needs perfectly. Throughout the entire process, he was proactive, organized, and always one step ahead, making sure all documents were submitted on time and that nothing fell through the cracks.Communication was excellent. He was always quick to respond to emails and calls, kept us updated at every stage, and followed up regularly to ensure everything was progressing smoothly. Even when unexpected questions or hurdles came up, he handled them calmly and professionally, providing reassurance and clear solutions.He is also doing our life insurance policies to cover my new mortgages. His knowledge about types of insurances and what is best for specific needs of the client is commendable.Thanks to his dedication and hard work, we successfully secured our mortgage with great terms and complete peace of mind. We couldn’t be happier with the experience and would absolutely recommend this mortgage broker to anyone looking for honest advice, excellent communication, and top-tier service. We will definitely be working with him again in the future.
If you want someone reliable, honest, responsive, transparent, and highly knowledgeable – an all-in-one solution – choose Nikhil from Mortgage Bazar.I have just moved into my new home, so I wanted to write this review before it slipped my mind. I came across Nikhil’s number while searching online, and as a first-time buyer with absolutely no experience, I didn’t know where to start.From our very first call, Nikhil explained everything clearly, in simple language, and fully based on my circumstances and requirements. He was completely transparent and talked me through the entire process in detail. I am generally someone who does not trust easily, so after the first conversation I spoke to several other advisors over the next ten days, including well-known brands. Even after comparing all of them, I chose to go ahead with Nikhil – and I am genuinely glad I did.Nikhil guided me through every step. He secured a 95% mortgage with a good interest rate and presented all possible options available in the market. After obtaining the DIP, he also arranged a solicitor who offered one of the most competitive fees and provided excellent service.Once the mortgage offer was confirmed, we had a couple of meetings where he explained all the options available for mortgage protection in a clear and detailed manner. While the conveyancer was progressing with their work, he even arranged a RICS Level 2 surveyor, who did an outstanding job and provided a thorough property report.In the end, I can say that Nikhil is truly a one-man army – a complete solution for all your needs. I feel lucky to have connected with him because my entire journey as a first-time buyer was smooth, informed, and stress-free.Services he supported me with: • Mortgage • Mortgage protection (insurance) • Buildings and contents cover • Conveyancing (solicitor referral) • Level 2 property survey (surveyor referral)I would highly recommend Nikhil from Mortgage Bazar to anyone looking for trustworthy and expert guidance throughout the home-buying process.
I want to express my heartfelt gratitude to Mr. Nikhil Bhatia from Mortgage Bazaar for everything he has done for us. A year ago, my wife and I weren’t even sure if buying a house in the UK was possible. I’m on a Skilled Worker Visa, we had a very small deposit, and we didn’t know where to start. Thankfully, we found Nikhil.He spent an entire day with us, sitting in front of the computer, understanding our situation in detail and showing us the exact path to buy a home in London with just a 5% deposit. His guidance was clear, honest, and extremely practical.What truly sets Nikhil apart is his dedication. Whether it was weekdays or weekends, he was always available to help us, answer questions, and calm our worries. He fought with the bank when one of our property valuations came back as zero, and he handled many other challenges with complete ownership and professionalism.He even revised my mortgage rate three times without me asking, simply because he keeps checking the market and wants his clients to get the best possible deal. He helped us with everything: survey, solicitor, paperwork, and securing a 95% LTV mortgage at one of the lowest market rates available.Throughout the entire process, he stood by us like a pillar of support. Because of him, today we are going to be the homeowners in the UK.I strongly and wholeheartedly recommend Mr. Nikhil Bhatia to anyone looking for a mortgage broker. His honesty, expertise, and commitment are unmatched. If you want someone who genuinely cares about getting you the best deal and guiding you at every step, he is the person to trust.
I had a fantastic experience with my Nikhil (Mortgage Bazaar) from start to finish. They were extremely knowledgeable, patient, and took the time to explain every step of the process clearly, which made everything feel far less stressful.They really listened to my situation and found the best mortgage option to suit my needs. Communication was excellent throughout, and I always felt supported and well-informed. Any questions I had were answered quickly and professionally.I would highly recommend them to anyone looking for honest, reliable, and efficient mortgage advice. A truly great service!
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Mortgage Bazaar Limited is founded by Nikhil Bhatia, a UK-based Independent, FCA-Regulated, Whole-of-Market Mortgage Advisor. Our mission is simple: to make securing a mortgage transparent, empowering, and stress-free.
We position ourselves as partners in your property-financing journey — not just brokers. From purchasing your first home to structuring complex commercial or investment finance, we guide you with clarity, expertise, and genuine care.
Whether it’s giving you access to exclusive deals, providing Unbiased bespoke advice, or connecting you with trusted solicitors, conveyancers, and tax advisors in both the UK and India, Mortgage Bazaar is committed to ensuring your experience is seamless. We firmly believe in building long-term relationships and are obsessed with customer satisfaction.
Our Services
Residential Mortgages
Support for all types of homebuyers, including:
-First-time buyers
-Skilled Worker Visa(Foreign National)- Mortgages
-Home movers
-Remortgaging
And more
-We also provide guidance and referrals for Ltd Company/SPV tax advice when building Buy-to-Let portfolios.
Commercial & Investment Mortgages
Expert & Dedicated support for:
-Buy-to-Let (individual, sole traders & limited company directors)
-Multi-Portfolio landlord financing
- HMO
Commercial Solutions
- Bridging loans (Including auctions)
- Commercial mortgages
Mortgage Protection
Your home, lifestyle, and family matter. We tailor protection recommendations around your goals and concerns, including:
-Life insurance
- Mortgage protection
- Income protection
- Critical illness cover
Our aim is to ensure you're protected from day one — not just approved for a mortgage.
Why Choose Mortgage Bazaar
Whole-of-Market Access
As fully independent advisors, we work with an extensive panel of UK lenders — including high street banks, specialist lenders, and broker-only providers — giving you access to a wide range of mortgage products and access to special deals not available to you directly.
Expert, Personalised Advice
Our advisors are highly experienced and committed to offering honest, professional, and tailored guidance throughout your journey.
FCA-Regulated Assurance
All our advisors are fully FCA-regulated, ensuring your interests and consumer rights are always protected.
Fast & Efficient Service
We pride ourselves on quick responses, smooth processing, and efficient decision-making — keeping your application moving without delay.
Transparent & Fair
We offer a free initial consultation so you understand your options and costs before making any commitments.
At Mortgage Bazaar, our goal is to make your mortgage journey truly hassle-free, so you can focus on what really matters: buying your dream home.See more
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