Business Details
31 Years
experience
Expert Mortgage Brokers in Bristol
Established in 1995, we have built a reputation for delivering tailored mortgage solutions to clients across Bristol and the surrounding regions. Our team of experienced professionals combines decades of industry expertise with a deep understanding of the local property market to provide impartial, client-focused advice. We specialise in sourcing mortgages that align precisely with individual financial circumstances, whether for first-time buyers, property investors, or those seeking equity release. Our commitment to transparency ensures clients receive clear guidance on all options, including specialist schemes unavailable through high-street banks.As an appointed representative of HL Partnership Limited, we operate under the rigorous standards of the Financial Conduct Authority, reinforcing our dedication to ethical practices. Our comprehensive service extends to mortgage protection, fixed-rate and tracker mortgages, and buy-to-let financing, supported by a team that prioritises long-term client relationships over transactional interactions. With a proven track record of simplifying complex mortgage processes, we aim to make homeownership aspirations achievable while maintaining the highest levels of professionalism and regulatory compliance.
Services
Mortgages
Insurances
Equity Release
Fixed Rate Mortgages
Buy to Let Mortgages
Details
- Year established: 1995
Highlights and features
- We have over 30 years of combined mortgage advisory experience.
- We offer access to exclusive mortgage schemes unavailable through banks.
- Our team provides fully transparent fee structures and advice.
- We specialise in complex buy-to-let and equity release solutions.
- Our FCA regulation ensures the highest ethical standards.
Associations and certifications
- Financial Conduct Authority
What people say
Very patient
Great communication
Knowledgeable team
Smooth process
Highly professional
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual financial circumstances. Our services include fixed-rate, tracker, and buy-to-let mortgages, with access to exclusive schemes unavailable through traditional banks. Our FCA-regulated advisors ensure transparent fee structures and prioritise long-term client satisfaction through personalised guidance.
Equity Release
Our equity release specialists help homeowners aged 55+ unlock property value while maintaining residency. We offer compliant solutions that balance immediate financial needs with future security, ensuring clients understand all implications of releasing equity from their primary residence through regulated products.
Insurances
We integrate mortgage protection with financial planning to safeguard against unforeseen circumstances. Our insurance solutions cover life, critical illness, and income protection, tailored to complement mortgage commitments while adhering to FCA guidelines for comprehensive client security.
People
Steve Mears
Director & Founder
Established the business in 1995 after banking and estate agency experience. With 31 years in mortgages, he specialises in building industry relationships and client-focused solutions. A single father of three daughters, he balances family life with a passion for motorcycles.
Charlie Brown
Senior Mortgage Adviser
Joined in 2014 with prior experience at Lloyds and Legal & General. Specialises in mortgages and protection, combining technical expertise with outdoor pursuits enthusiasm. Provides tailored advice while maintaining a strong client communication focus.
Andy Maclean
Mortgage Administrator
Joined in 2019 after 15 years in lettings. Currently training for Ce-MAP qualifications while managing mortgage administration. Combines family time with NFL fandom and outdoor activities in his support role.
Lisa Mills
Supervisor
Team leader since 2012, balancing supervisory responsibilities with family commitments. Oversees operations while maintaining arts and crafts interests. Ensures smooth team coordination and client service delivery.
Chloe Mills
Mortgage Adviser
Qualified adviser since 2016, transitioning from psychology to Ce-Map certified professional. Specialises in mortgage and protection advice while maintaining cake decoration hobbies. Provides client-focused solutions with academic precision.
Questions
What mortgage types do you offer?
We provide fixed-rate, tracker, discount, first-time buyer, offset, buy-to-let, and equity release mortgages tailored to individual circumstances.
How much can I borrow?
Use our online mortgage calculator to estimate borrowing capacity based on income, existing commitments, and property value.
Are your services FCA regulated?
Yes, we operate as an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority.
What fees apply for mortgage advice?
Fees range from £195 to £595 depending on case complexity, discussed and agreed before any work commences.
Do you offer equity release options?
Yes, we provide regulated equity release solutions for clients aged 55+ to access property wealth while maintaining residency rights.
