Business Details
31 Years
experience
Expert Mortgage Brokers in Bristol
Established in 1995, we provide tailored mortgage advice to clients across Bristol and the surrounding regions. Our team combines decades of industry experience with a commitment to understanding individual client needs, ensuring access to a comprehensive range of mortgage products and specialist schemes. We prioritise transparency, offering clear guidance on fees ranging from 195 to 595, which are discussed and agreed upfront. As an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority, we adhere to rigorous professional standards. Our services cater to first-time buyers, property investors, and those seeking equity release, with a focus on simplifying what can often be a complex process.With a team of Ce-Map qualified advisers and administrators, we deliver efficient communication and support throughout the mortgage journey. Our Bristol-based office serves clients nationwide, combining local expertise with national reach. Customer testimonials highlight our patience, expertise, and ability to make mortgage applications less stressful. We maintain strong relationships with lenders and industry contacts, built over 31 years of combined experience. Our approach remains client-centric, ensuring each decision is informed by personal circumstances rather than generic solutions.
Services
Mortgage Advice
Equity Release
Fixed Rate Mortgages
Tracker Mortgages
Buy to Let Mortgages
First Time Buyer Mortgages
Discount Mortgages
Offset Mortgages
Details
- Year established: 1995
Highlights and features
- We have over 30 years of combined mortgage industry experience
- We offer access to exclusive mortgage schemes not available through high-street banks
- Our team includes Ce-Map qualified mortgage and protection advisers
- We provide transparent fee structures with upfront cost agreements
- We maintain strong lender relationships built over three decades
What people say
Very patient with many questions
Efficient and great communication
Made process simpler and less stressful
Helped secure best suited mortgage
Highly professional service
Services
Mortgage Advice
Our expert mortgage advisers provide tailored guidance to help clients navigate the mortgage process. We assess individual circumstances to recommend suitable options from our extensive lender panel. Our service includes fee transparency, with costs clearly explained and agreed upfront.
Equity Release
We help clients aged 55+ access the equity tied up in their property through specialist schemes. Our advisers explain the implications and requirements of releasing funds while ensuring compliance with existing mortgage obligations. We provide clear comparisons of available options.
Fixed Rate Mortgages
We offer fixed rate mortgage solutions that provide payment certainty for set periods. Our advisers explain the benefits and limitations of fixed rate products, helping clients choose appropriate terms based on their financial circumstances and market conditions.
Buy to Let Mortgages
Our buy-to-let specialists help property investors secure suitable financing. We explain the higher fees and different criteria compared to residential mortgages, focusing on rental income requirements and tax-efficient structures like limited companies.
First Time Buyer Mortgages
We support first-time buyers through the mortgage process, explaining available discounts and assistance schemes. Our advisers help clients understand deposit requirements, government initiatives, and the different mortgage products suited to new homeowners.
People
Steve Mears
Director & Founder
Established the business in 1995 after banking and estate agency experience. With 31 years in mortgages, he combines industry knowledge with personal service. A single father of three daughters, he enjoys motorcycling and family time.
Charlie Brown
Senior Mortgage and Protection Adviser
Joined in 2014 with prior experience at major financial institutions. Specialises in mortgages and protection, combining technical expertise with client-focused service. Enjoys outdoor activities and family time in warmer climates.
Andy Maclean
Mortgage and Protection Administrator
Joined in 2019 after 15 years in lettings. Pursuing Ce-MAP qualifications to become an adviser. Combines administrative expertise with property market knowledge, enjoying family time and outdoor activities.
Lisa Mills
Supervisor
Team leader since 2012, balancing management with client service. A grandmother with arts and crafts interests, she ensures smooth team operations while maintaining client relationships.
Chloe Mills
Mortgage and Protection Adviser
Joined from university in 2016 with psychology background. Ce-Map qualified adviser combining analytical skills with client care. Enjoys creative pursuits and family time while delivering mortgage solutions.
Questions
What mortgage options are available for first-time buyers?
We offer first-time buyer mortgages with discounted fees and rates. Our advisers explain government schemes, deposit requirements, and suitable mortgage products tailored to your circumstances.
How much can I borrow for a mortgage?
Use our online mortgage calculator to estimate borrowing capacity. Our advisers consider income, outgoings, and lender criteria to determine realistic borrowing limits during consultations.
What fees do you charge for mortgage advice?
Our fees range from £195 to £595 depending on your circumstances. We discuss and agree all costs upfront before providing any mortgage advice services.
Can you help with equity release?
Yes, we specialise in equity release for clients aged 55+. Our advisers explain the options, requirements, and implications of releasing equity from your property.
Do you offer buy-to-let mortgage solutions?
We provide buy-to-let mortgages with expertise in tax-efficient structures. Our team explains higher fees, rental income requirements, and lender criteria for investment properties.
How do tracker mortgages work?
Tracker mortgages follow the Bank of England base rate with a set margin. Our advisers explain how these variable rate mortgages affect repayments and suitability for different financial situations.
