# Bolitho Skeggs & Bratt

Bolitho Skeggs & Bratt is an independent mortgage advisory firm based in Penzance, Cornwall, serving homebuyers and property investors across the region. Founded by Lindsay Bratt and Paul Skeggs, who collectively bring over 50 years of financial services experience, the firm provides impartial guidance on mortgages, insurance and protection products.

Unlike high street banks or tied agents, Bolitho Skeggs & Bratt operates as a fully independent broker with access to the entire financial marketplace. This independence allows them to source the most competitive rates and products tailored to individual circumstances rather than promoting a limited product range. The firm is authorised and regulated by the Financial Conduct Authority, ensuring clients receive professional, compliant advice.

The business serves first-time buyers navigating their initial property purchase, existing homeowners remortgaging to better rates, and landlords seeking buy-to-let mortgages. They also assist clients in securing appropriate buildings and contents insurance policies without fees or obligation.

What sets Bolitho Skeggs & Bratt apart is their commitment to stress-free service, managing applications from initiation to completion whilst maintaining transparent communication. Their reputation for building lasting client relationships is evident in repeat business and regular referrals. By combining extensive industry experience with genuine local knowledge of the Cornish market, they provide advisory services that prioritise client outcomes over commission-driven recommendations.