My name is Denish Patel, and I want to share my experience working with Nikhil Bhatia from Mortgage Bazaar, because I genuinely don’t think we would be in our home today without his help.Before I found Nikhil, I had spoken to other brokers who told me that getting a mortgage on a Skilled Worker visa close to expiry was almost impossible. One broker even quoted me extortionate amount in fees, which left me feeling stressed and unsure of what to do. I came across Nikhil on social media and decided to reach out, and I’m so glad I did.From our first conversation, Nikhil was transparent about his fees, realistic about the challenges, and clear about the value he brings. And I can say with confidence — he is worth every penny and saved me far more across my journey.My case was far from simple. I had:- A visa close to expiry- Income that varied because of overtime- Gifted funds coming from multiple family membersAt one stage, a lender became unhappy about gifted deposit funds coming from a family business, and the situation felt like it might fall apart. I was losing hope — but Nikhil didn’t waste a second. He switched to another High Street lender immediately, without compromising the interest rate, and kept the process moving smoothly.Throughout everything, Nikhil stayed in constant communication. Even when I was stressed and doubting whether this would work, he remained calm, reassured me, and kept pushing forward. He also took the time to speak directly with members of my family back home, guiding them through the process and helping them feel comfortable too.He personally handled every document, every phone call, every explanation including weekends and late evenings on whatsapp, and I could tell he was working late nights to keep the timeline on track. Because of his persistence, he secured an excellent rate early — before interest rates increased — which saved us a significant amount of money. He also arranged our Mortgage Protection, Buildings, and Contents Insurance and explained it all clearly, especially helpful for us as first-time buyers.From my Decision in Principle to getting the keys took less than two months — something I never thought possible given the circumstances.If you are a first-time buyer, on a visa, dealing with a complex situation, or simply want someone who genuinely fights for you, I highly recommend Nikhil Bhatia from Mortgage Bazaar. He is knowledgeable, honest, dedicated, and truly goes above and beyond. We have found a mortgage broker for life and would definitely recommend him to all of our friends and familyWe wouldn’t be in our home today if it wasn’t for him — and that’s the truth.
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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