Business Details
15 Years
experience
Expert Mortgage Brokers in Bristol
Spot On Mortgages has been providing tailored mortgage advice and arrangement services since 2011, serving clients across Bristol, Gloucester, Somerset, and surrounding areas. Our team of specialists focuses on understanding individual client needs to recommend suitable mortgage products from across the market. With over a decade of experience, we combine in-depth market knowledge with a commitment to transparency and client education. Our services include first-time buyer mortgages, remortgaging, buy-to-let solutions, and specialist mortgages for adverse credit scenarios. We operate with a client-centric approach, offering home visits and online consultations to ensure accessibility.Our advisers maintain strong relationships with lenders to secure competitive rates while prioritising long-term client satisfaction. We are registered with the Financial Conduct Authority and operate as an Appointed Representative of PRIMIS Mortgage Network. Our track record demonstrates consistent delivery of personalised solutions, supported by numerous client testimonials highlighting our professionalism and expertise. We provide ongoing support throughout the mortgage lifecycle, from initial consultation to completion. Our fee-free advice model ensures clients receive unbiased recommendations without hidden costs.
Services
First Time Buyer Mortgages
Remortgage Services
Buy to Let Mortgages
Specialist Mortgages
Adverse Credit Mortgages
Professional Mortgages
Details
- Year established: 2011
Highlights and features
- We offer free, no-obligation mortgage consultations.
- Our team provides personalised mortgage solutions tailored to your needs.
- With over a decade of experience, we serve Bristol and surrounding areas.
- We work with a wide range of mortgage products to find the best deal for you.
- Our service includes home visits and online consultations for your convenience.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic service
Second to none
Highly recommend
Professional and efficient
Exceeded expectations
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process with tailored solutions. Our advisers explain options clearly, help secure competitive rates, and provide ongoing support from application to completion. Clients benefit from our extensive lender relationships and fee-free advice model.
Remortgage Services
Our remortgaging service helps clients secure better rates and terms on existing properties. We analyse current arrangements, identify suitable alternatives, and manage the transition process efficiently. Clients appreciate our proactive approach to finding cost-effective solutions.
Buy to Let Mortgages
We provide specialist buy-to-let mortgage solutions for property investors. Our service includes portfolio management advice, competitive product comparisons, and guidance on landlord-specific requirements. Clients benefit from our market expertise and access to specialist lenders.
Adverse Credit Mortgages
Our team specialises in helping clients with credit challenges secure suitable mortgage arrangements. We work with specialist lenders and provide tailored advice to address individual circumstances. Clients value our non-judgmental approach and problem-solving expertise.
Professional Mortgages
We offer bespoke mortgage solutions for professionals and those with complex income structures. Our service includes self-employed verification, contractor mortgage options, and tailored advice for unique financial situations. Clients benefit from our access to niche market products.
People
Ian Le Petit
Managing Director
Ian has over 15 years' experience in mortgage advisory services, specialising in complex cases and client-focused solutions. He leads our team with a commitment to transparency and long-term client relationships.
Questions
Do you charge fees for mortgage advice?
No, we provide completely free mortgage advice with no hidden charges. Our remuneration comes directly from lenders through commission.
What areas do you cover?
We primarily serve Bristol, Gloucester, Somerset, and surrounding regions, offering both in-person home visits and online consultations.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit mortgages and work with specialist lenders to find suitable solutions for clients with credit challenges.
What mortgage types do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, adverse credit mortgages, and professional mortgages tailored to individual circumstances.
How are you regulated?
We operate as an Appointed Representative of PRIMIS Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.
Can you assist with remortgaging during payment holidays?
Yes, we have experience handling remortgage cases during payment holidays, working closely with lenders to find viable solutions.
