Business Details
21 Years
experience
Award-Winning Mortgage Broker in Bristol
Fox Davidson is an award-winning UK mortgage broker established in 2005, renowned for delivering expert mortgage advice tailored to diverse client needs. Our FCA-qualified team provides bespoke solutions for residential, buy-to-let, commercial, and specialist mortgages, serving clients from first-time buyers to high-net-worth individuals. With offices in Bristol, Bath, Exeter, and London, we combine market-leading expertise with a dedicated service model, ensuring clients receive personalised support from initial enquiry to loan completion. Our industry recognition reflects our commitment to innovative problem-solving and access to exclusive mortgage deals across high street and private lenders. 
Services
Residential Mortgages
Buy-to-Let Mortgages
Commercial Mortgages
Development Finance
Bridging Loans
High-Net-Worth Mortgages
Professional Mortgages
Equity Release
Life Insurance
Portfolio Financing
Details
- Year established: 2005
Highlights and features
- FCA-qualified advisors with expertise in complex mortgage cases
- Personalised service with dedicated broker, paraplanner, and case manager
- Award-winning team with access to exclusive mortgage deals
- Proven track record securing 100k-25m loans since 2005
- Specialist knowledge for professionals, expats, and non-standard properties
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Exceptional communication throughout
Stress-free mortgage process
Expertise in complex cases
Reliable repeat service
Tailored solutions for expats
Services
Residential Mortgages
Fox Davidson provides residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our FCA-qualified advisors access competitive rates across 1,000s of lenders, specialising in complex cases involving self-employment, foreign income, or non-standard properties. Clients benefit from dedicated case management and market insights to secure optimal financing.
Buy-to-Let Mortgages
Specialist buy-to-let financing for individual landlords and portfolio investors. We arrange HMO, MUFB, and limited-company structures with lenders understanding investment property nuances. Our team supports clients from initial purchase through portfolio expansion, leveraging relationships with specialist lenders to secure competitive terms for standard and complex cases.
Commercial Mortgages
Commercial mortgage solutions for business premises, development projects, and investment properties. We work with challenger banks and private lenders to finance office spaces, retail units, and mixed-use developments. Our expertise includes bridging finance and development funding, with tailored structuring for borrowers requiring flexible repayment terms or high-value financing.
High-Net-Worth Mortgages
Bespoke financing for high-value properties and complex financial profiles. We access private bank lending for loans between 750k-25m, accommodating non-traditional income sources and multi-jurisdictional assets. Our service includes tax-efficient structuring and portfolio management for clients with extensive property holdings or international financial arrangements.
Professional Mortgages
Tailored mortgage products for high-earning professionals including doctors, lawyers, and aviation workers. We secure loans up to 6x income with lenders understanding profession-specific financial patterns. Our advisors address unique challenges like deferred income or partnership structures, ensuring competitive rates and appropriate loan-to-value ratios for professional clients.
Questions
What mortgage options do you offer for first-time buyers?
We provide first-time buyer mortgages with low deposit requirements, including 5% deposit options and Help-to-Buy schemes. Our advisors explain all costs including stamp duty and help secure competitive rates through our lender relationships.
Can you help with buy-to-let mortgages for HMO properties?
Yes, we specialise in HMO financing, portfolio management, and limited-company buy-to-let structures. Our team works with specialist lenders understanding the unique requirements of multi-occupancy and student accommodation investments.
Do you work with self-employed individuals?
Yes, we have extensive experience arranging mortgages for self-employed clients, contractors, and professionals with complex income structures. We present financial profiles in the most favourable light to specialist lenders.
What areas do you cover?
We operate nationwide across the UK with office locations in Bristol, Bath, Exeter, and London. Our services are available remotely via phone, email, and video calls for clients throughout the UK and internationally.
How do you charge for your services?
We charge a flat fee on mortgage application, with no upfront costs. We may also receive commission from lenders. Our fee structure ensures alignment with successful loan completions rather than product sales requirements.
Can you assist expatriates with UK mortgages?
Yes, we regularly help expatriates secure UK property financing. We work with lenders accommodating overseas residents, addressing jurisdictional requirements and currency considerations to facilitate smooth transactions for international clients.
