Mortgage Broker in Bristol

Whether you’re buying your first home or looking to remortgage, having the right support can make all the difference.

With so many options available, from high street banks to specialist lenders, it’s easy to feel unsure about where to start.

That’s where a broker steps in, offering clarity, experience, and tailored advice every step of the way.

Our mortgage advisors in Bristol take the time to understand your needs and explain your options in plain English.

From your first enquiry through to your mortgage offer, you’ll have a dedicated point of contact who deals with the lenders on your behalf.

As your fixed-rate mortgage nears its end, your lender will automatically move you onto their standard variable rate.

This change usually means higher monthly repayments, as the SVR tends to be less competitive than the rate you’ve been used to. The good news is, you don’t have to stay on it.

This is known as a remortgage, and acting before your current deal expires gives you time to secure a new rate that’s better suited to your needs.

Our mortgage advisors in Bristol speak with homeowners every day who are in this exact position.

Whether you’re planning to remortgage in Bristol to a new fixed rate, borrow more, or simply lock in more certainty, we’ll guide you through the options

As a mortgage broker in Bristol, we compare a wide range of lenders to help you find a deal that works for you, before the higher rate kicks in.

There isn’t a set upper age limit for getting a mortgage, but individual lenders each have their own criteria.

Some focus on your age at the time of application, while others look at how old you’ll be when the mortgage ends. If you’re looking for a mortgage over 50 in Bristol, your options may be more limited with high street banks, especially if you’re looking for a longer term.

That said, there are lenders who specialise in age 50+ mortgages,  and that’s where tailored advice becomes important.

Our mortgage advisors in Bristol regularly work with clients in their 50s, 60s, and beyond. Whether you’re still working or relying on pension income, we’ll explore lenders who consider a wider set of circumstances.

Everything starts with a free initial mortgage appointment with one of our mortgage advisors in Bristol.

This is where we get to know your situation, including your income, deposit, and any credit history, so we can give you an idea of what’s possible.

From there, we’ll search through a wide range of lenders to find a suitable deal and help you secure a decision in principle.

This can give you extra confidence when making offers, especially if you’re buying in a competitive market. Once you’ve found a property, we take care of the full mortgage application and liaise directly with the lender, solicitor and surveyor to keep things moving.

As a mortgage broker in Bristol, we’re here to handle the paperwork, chase up responses, and explain everything in plain terms.

Yes, we can usually arrange an agreement in principle (AIP) within 24 hours of your free initial mortgage appointment.

This gives you a clear idea of how much you could borrow based on your income, credit history, and deposit.

While it’s not a full mortgage offer, it’s a strong first step and can help you move faster when viewing properties or making an offer.

Our mortgage advisors in Bristol handle the checks and paperwork needed to get your AIP in place quickly.

If your AIP expires before you find the right property, we can renew it for you, often without needing to start again from scratch.

As a mortgage broker in Bristol, we have access to a wide panel of lenders, including options you won’t always see advertised on the high street.

This means we can compare rates and products from across the market to see if there’s something more competitive than your current deal.

Whether you’re coming to the end of a fixed rate, looking to reduce your monthly repayments or hoping to pay off your mortgage sooner, we can explore the possibilities for you.

It’s not always just about finding the cheapest option, the right deal also needs to fit your circumstances, future plans and how you prefer to manage your mortgage.

When you apply for a mortgage, lenders will need certain documents to check your identity, income, and overall financial position.

While the exact requirements can vary, most applications will need the following:

• Proof of identity – passport or photocard driving licence.
• Proof of address – recent utility bill, council tax bill, or bank statement.
• Proof of income – last three months’ payslips if you’re employed.
• Self-employed income evidence – last two to three years of SA302 tax calculations and corresponding tax year overviews.
• Recent bank statements – usually the last three months.
• Proof of deposit – savings statements or a gifted deposit letter if applicable.
• Details of existing credit commitments – loans, credit cards, or other regular payments.
• Property details – the full address and purchase price of the home you want to buy.

Our mortgage advisors in Bristol will confirm exactly what you need for your individual case and help you prepare everything in the right format.

Yes, being self-employed in Bristol doesn’t stop you from getting a mortgage. Lenders will simply look at your income in a different way to make sure it’s consistent and sustainable.

Instead of payslips, they’ll usually ask for two to three years of SA302 tax calculations and corresponding tax year overviews from HMRC, along with recent business accounts if available.

This helps them see your average earnings and whether you can comfortably afford the repayments.

Our mortgage advisors in Bristol work with many self-employed applicants, including sole traders, partners, and limited company directors.

We’ll guide you on the documents you need, present your application in the most suitable way, and handle the process from start to finish so you can focus on running your business.

You’re not legally required to have life insurance when taking out a mortgage in Bristol, but many homeowners choose to put protection in place to safeguard their family and home.

If something were to happen to you, the right policy could help pay off the mortgage or cover living costs, so your loved ones aren’t left under financial strain.

We recommend having one or a combination of insurances in place for peace of mind.

The deposit you’ll need depends on the type of mortgage you’re applying for and your personal circumstances.

Most lenders ask for at least 5% of the property’s purchase price, although a larger deposit can open up more competitive rates and a wider choice of products.

If you have bad credit in Bristol, some lenders may ask for a higher deposit to reduce their risk, which is why it’s important to explore your options early.

If you are a first time buyer in Bristol, utilising a mortgage scheme could help you purchase a property with a smaller deposit.

If you’re unsure how much you’ll need, getting mortgage advice in Bristol can give you a clearer picture of what’s realistic for your budget

Our mortgage advisors in Bristol will explain how different deposit sizes can affect your repayments, the interest rate you’re offered, and your eligibility with various lenders.

Negotiating on the price of a property often comes down to research, timing and confidence.

Start by looking at recent sale prices for similar homes in the area to get a realistic idea of what it’s worth.

If the property has been on the market for a while, or if there are issues that might require repairs, you may be in a stronger position to make a lower offer.

Always be ready to back up your offer with evidence. Sellers are more likely to take you seriously if you can justify your figure.

When you’re ready to make your move on a property, your mortgage advisor in Bristol can help you decide on a fair yet competitive offer.

Yes, it’s absolutely possible to get a mortgage after a divorce or separation, but there are a few extra things to consider.

Lenders will want to understand your current financial commitments, including any existing mortgage arrangements, maintenance payments or shared debts.

They’ll also assess how your income and affordability look on your own. If your name is still on a joint mortgage, it may affect what you can borrow, so it’s worth reviewing that early on.

This is where tailored mortgage advice in Bristol can make a real difference. Our mortgage advisors in Bristol will guide you through your options, whether you’re buying a new home, buying out a former partner or starting fresh on your own.

We’ll explain what paperwork you might need, help you work through any affordability checks, and make sure your application reflects your current situation clearly and accurately.

When taking out a mortgage, it’s important to think about how you or your family would cope financially if something unexpected were to happen.

We can advise on a range of protection options to help cover your mortgage and living costs if you pass away, become seriously ill, or can’t work for a period of time.

Our protection advisors in Bristol usually recommend taking out one or a combination of:

• Life Insurance – Pays out a lump sum to your chosen beneficiaries if you pass away during the policy term, helping to clear the mortgage or support your family.
• Critical Illness Cover – Provides a one-off payment if you’re diagnosed with a serious medical condition listed in the policy, such as certain cancers, heart attacks, or strokes.
• Income Protection Insurance – Offers regular payments to replace part of your income if you’re unable to work due to illness or injury, helping you keep up with bills and mortgage payments.
• Family Income Benefit – Pays a tax-free monthly income to your family for a set period if you pass away, helping to cover ongoing household expenses.

We’ll explain how each policy works, what’s relevant to your circumstances, and help you choose cover that gives you peace of mind without going over budget.

You may be able to switch your residential mortgage to a buy to let mortgage in Bristol, but you’ll need approval from your current lender.

Some may offer a short-term consent to let, while others will require a full remortgage onto a buy to let product,  particularly if you’ve moved out of the property.

As your mortgage broker in Bristol, we’ll explain how the change could affect your rate, deposit, and eligibility.

If your current lender isn’t the right fit, we can help you remortgage to a buy to let deal that supports your plans.

Most mortgage deals come with an end date and once that fixed or discounted rate finishes, you’ll usually move onto the lender’s standard variable rate.

This could mean you end up paying more than you need to each month. Reviewing your mortgage regularly is the simplest way to make sure you’re still on the most suitable deal.

As a mortgage broker in Bristol, we offer a free 24/7 Mortgage Monitor, powered by Dashly, that tracks your mortgage in the background and checks it against live rates from across the market.

If a better deal becomes available, either with your current lender or a new one, we’ll get notified, and so will you!

Yes, there are several schemes available that can help you get onto the property ladder with a smaller deposit or added support.

Some are aimed at first-time buyers, while others are open to home movers too, depending on your circumstances and where you’re buying.

Each mortgage scheme works differently, so we’ll help you understand what you’re eligible for, how it affects your deposit, and whether it fits your long-term plans.

For personalised mortgage advice in Bristol on the schemes available, get in touch and we’ll talk you through what could work for you.

Most lenders will let you port your mortgage when moving home in Bristol, which means transferring your current mortgage deal from one property to another.

This can be useful if you’re still within a fixed or discounted rate and want to avoid early repayment charges.

While porting a mortgage Bristol sounds simple, it’s not always guaranteed, your lender will still assess your affordability, credit history, and the details of the new property before approving it.

As a mortgage broker in Bristol, we’ll help you understand whether porting is the right move or if switching to a new deal would offer better value.

Equity release is regulated by the Financial Conduct Authority (FCA) and can be a safe option when it’s the right fit, but it’s not suitable for everyone.

The most common type is a lifetime mortgage, which lets you unlock money from your home without needing to sell it, with the loan repaid when you pass away or move into long-term care.

As a mortgage broker, we’ll only recommend equity release in Bristol if we believe it’s in your best interest.

Your mortgage advisor in Bristol will explain the costs, how it affects your estate and whether there may be other routes worth considering first.

Yes, getting a mortgage with bad credit in Bristol is possible, but it may take a bit more planning.

Some lenders are more flexible than others when it comes to issues like missed payments, defaults or CCJs.

What matters most is how recent the problem was, how serious it was and whether your finances have improved since.

Your advisor will look at your credit history, explain what’s realistic and provide mortgage advice in Bristol that’s tailored to your situation.

Even if you’ve been refused elsewhere, we may still be able to help.