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Here Are The Top 10 Independent Mortgage Advisers in Bristol
| Bristol Mortgages Online | Henleaze House, 13 Harbury Road, Henleaze, Bristol, BS9 4PN | 0117 3251511 | info@swmortgages.com | https://www.bristolmortgagesonline.com/ |
| Mortgages in Bristol Limited | 16 Park Crescent, Frenchay, Bristol , South Glos, BS16 1PD | 07973 777582 | info@mortgagesinbristol.co.uk | https://mortgagesinbristol.co.uk/ |
| Bristol & West Financial Services LTD | Trym Lodge 1 Henbury Road Westbury-on-Trym Bristol BS9 3HQ | 0117 959 6503 | enquiry@bristolandwestfs.co.uk | https://www.bristolandwestfs.co.uk/ |
| Kingdom Mortgages Ltd | Station Road Workshops, Station Road, Kingswood, Bristol, BS15 4PJ | 0800 161 3868 | sales@kingdommortgages.co.uk | https://www.kingdommortgages.co.uk/ |
| Bristol and Bath Financial Services | 2 Priddy Ct, Bristol BS14 9LX | 07786 546380 | greig@bristolandbathfs.co.uk | https://www.bristolandbathfs.co.uk/#body |
| Independent Financial Advisory Service Ltd | Tower Lane Business Park , Tower Lane, Unit 2, Warmley, Bristol, BS30 8XT | 0117 9618222 | ifa@ifasgroup.co.uk | https://ifasgroup.co.uk/ |
| BM Mortgage Advisers | Office 5C, Hanham Hall, Bristol, BS15 3FR | 0117 313 3489 | hello@bmadvisers.co.uk | https://www.bmadvisers.co.uk/ |
| Hadley-Clarke Mortgages | 7 Loop Road, Mangotsfield, Bristol, BS16 9QS | 07748 800587 | advice@hcmortgages.com | https://www.hcmortgages.com/ |
How to choose the right mortgage advisers in Bristol for your needs
When choosing the right mortgage adviser for your needs, here are some key factors to consider:
Look for whole-of-market mortgage advisers in Bristol
One of the most important things is to find a mortgage adviser that has access to the entire mortgage market, not just a limited panel of lenders. A whole-of-market adviser can compare products from all available lenders to find the best deal tailored to your specific circumstances.
Ask about direct-only deals
Some mortgage products are only available if you apply directly with the lender, not through an adviser. A good adviser should inform you about any direct-only deals that could potentially be cheaper for you, even though they can’t arrange those mortgages themselves.
Consider the type of adviser
You have the choice between traditional mortgage brokers who provide face-to-face or phone advice, and online/digital mortgage advisers in Bristol that operate through websites and apps. Evaluate which approach suits your preferences and needs.
Check their qualifications and regulation
Make sure the mortgage advisers in Bristol are qualified, regulated by the Financial Conduct Authority (FCA), and follows industry standards. This ensures you receive professional, unbiased advice. Advisers who are members of bodies like the Association of Mortgage Intermediaries (AMI) are a good sign.
Understand their fees and commissions
Mortgage advisers in Bristol may charge fees (flat rate, percentage-based, or hourly) or receive commissions from lenders, or both. Get full transparency on their fee structure and how they are compensated before engaging them.
Assess their expertise and customer service
Look for mortgage advisers in Bristol with expertise in your specific situation, such as first-time buyers, self-employed, or complex financial circumstances. Read reviews, get recommendations, and ensure they can provide the level of guidance and support you need throughout the process.
By considering factors like whole-of-market access, qualifications, fees, expertise, and customer service, you can increase your chances of finding the right mortgage adviser to secure the best mortgage deal for your unique needs
What questions should i ask mortgage advisers in Bristol before hiring them?
When considering hiring mortgage advisers in Bristol, it’s important to ask the right questions to ensure you find a qualified and reputable professional who can provide the best guidance and options for your specific circumstances. Here are some key questions you should ask a mortgage adviser before hiring them:
1. Are you authorized and regulated by the Financial Conduct Authority (FCA)?
Ensure the advisers in Bristol are properly authorised and regulated by the FCA to provide mortgage advice. You can verify their status on the FCA register.
2. Are you a whole-of-market adviser?
Ask if the advisers in Bristol have access to mortgage products from all lenders across the entire market, not just a limited panel. Whole-of-market access gives you the best chance of finding the most suitable deal.
3. How much do you charge, and how are you compensated?
Understand the adviser’s fee structure upfront, whether it’s a flat fee, percentage-based, or hourly rate. Also, ask if they receive commission from lenders and how this could potentially influence their recommendations.
4. What qualifications and experience do you have?
Inquire about the adviser’s qualifications, years of experience, and areas of expertise (e.g., first-time buyers, self-employed, complex cases).
5. Can you explain the different mortgage types and options?
Good mortgage advisers in Bristol should be able to clearly explain the various mortgage products, interest rate types, and loan terms to help you make an informed decision.
6. How much can I borrow, and what deposit will I need?
The adviser should assess your financial situation, income, and credit profile to provide an estimate of how much you can borrow and the required deposit amount.
7. What is your process and level of support?
Ask about the adviser’s process, from initial consultation to application and completion, and the level of support and communication you can expect throughout.
8. Do you have professional indemnity insurance?
Ensure the mortgage advisers in Bristol have professional indemnity insurance in case you need to make a claim for negligent advice.
9. Can you provide references or reviews?
Request references or read reviews from previous clients to gauge the adviser’s reputation and customer satisfaction levels.
By asking these questions, you can better evaluate a mortgage adviser’s qualifications, expertise, transparency, and ability to find the most suitable mortgage product for your needs.
These Mortgage Advisers Cover The Following Bristol Postcodes.
BS1 to BS10 Postcodes
| BS1 | BRISTOL | Bristol city centre, Redcliffe | Bristol |
|---|---|---|---|
| BS2 | BRISTOL | Kingsdown, St Paul’s, St Phillips, St Agnes | Bristol |
| BS3 | BRISTOL | Bedminster, Southville, Bower Ashton, part of Totterdown, Windmill Hill | Bristol |
| BS4 | BRISTOL | Brislington, Knowle, Knowle West, St Anne’s, part of Totterdown | Bristol |
| BS5 | BRISTOL | Easton, St George, Redfield, Whitehall, Eastville, Speedwell, Greenbank, Barton Hill | Bristol |
| BS6 | BRISTOL | Cotham, Redland, Montpelier, Westbury Park, St. Andrew’s | Bristol |
| BS7 | BRISTOL | Bishopston, Horfield, part of Filton, Lockleaze, Ashley Down | Bristol, South Gloucestershire |
| BS8 | BRISTOL | Clifton, Failand, Hotwells, Leigh Woods | Bristol, North Somerset |
| BS9 | BRISTOL | Coombe Dingle, Sneyd Park, Stoke Bishop, Westbury on Trym, Henleaze, Sea Mills | Bristol |
| BS10 | BRISTOL | Brentry, Henbury, Southmead, part of Westbury on Trym | Bristol |
Postcodes BS11 to BS24
| BS11 | BRISTOL | Avonmouth, Shirehampton, Lawrence Weston | Bristol |
|---|---|---|---|
| BS13 | BRISTOL | Bedminster Down, Bishopsworth, Hartcliffe, Withywood, Headley Park | Bristol |
| BS14 | BRISTOL | Hengrove, Stockwood, Whitchurch, | Bristol, Bath and North East Somerset |
| BS15 | BRISTOL | Hanham, Kingswood | Bristol, South Gloucestershire |
| BS16 | BRISTOL | Downend, Emersons Green, Fishponds, Frenchay, Pucklechurch,Mangotsfield,Staple Hill | Bristol, South Gloucestershire |
| BS20 | BRISTOL | Pill, Portishead | North Somerset |
| BS21 | CLEVEDON | Clevedon | North Somerset |
| BS22 | WESTON-SUPER-MARE | Kewstoke, Weston-super-Mare, Worle | North Somerset |
| BS23 | WESTON-SUPER-MARE | Uphill, Weston-super-Mare | North Somerset |
| BS24 | WESTON-SUPER-MARE | Bleadon, Hutton, Locking, Lympsham, Puxton, Weston-super-Mare, Wick St. Lawrence | North Somerset, Somerset |
BS25 to BS35 Postcodes
| BS25 | WINSCOMBE | Churchill, Winscombe, Sandford, Shipham | North Somerset, Somerset |
|---|---|---|---|
| BS26 | AXBRIDGE | Axbridge, Compton Bishop, Loxton | Somerset, North Somerset |
| BS27 | CHEDDAR | Cheddar, Draycott | Somerset |
| BS28 | WEDMORE | Wedmore | Somerset |
| BS29 | BANWELL | Banwell | North Somerset |
| BS30 | BRISTOL | Bitton, Longwell Green, Cadbury Heath, Oldland Common, Warmley, Wick | South Gloucestershire |
| BS31 | BRISTOL | Keynsham, Saltford | Bath and North East Somerset |
| BS32 | BRISTOL | Almondsbury, Bradley Stoke | South Gloucestershire |
| BS34 | BRISTOL | Part of Filton, Little Stoke, Patchway, Stoke Gifford | South Gloucestershire |
| BS35 | BRISTOL | Alveston, Rudgeway, Severn Beach, Pilning, Thornbury | South Gloucestershire |
Postcodes BS36 to BS49
| BS36 | BRISTOL | Frampton Cotterell, Winterbourne | South Gloucestershire |
|---|---|---|---|
| BS37 | BRISTOL | Chipping Sodbury, Yate | South Gloucestershire |
| BS39 | BRISTOL | Paulton, Clutton, Temple Cloud, High Littleton, Pensford, Bishop Sutton | Bath and North East Somerset |
| BS40 | BRISTOL | Chew Valley, Chew Magna, Chew Stoke, Wrington, Charterhouse | Bath and North East Somerset, North Somerset, Somerset |
| BS41 | BRISTOL | Long Ashton, Dundry | North Somerset |
| BS48 | BRISTOL | Backwell, Nailsea | North Somerset |
| BS49 | BRISTOL | Congresbury, Yatton | North Somerset |
More Bristol Information.
| Coordinates: 51°27′13″N 02°35′51″W | |
| Sovereign state | United Kingdom |
|---|---|
| Country | England |
| Region | South West |
| Royal charter | 1155[2] |
| County corporate | 1373 |
| City status by diocese creation | 1542 |
| Ceremonial county | 1996 |
| Status | City, county and unitary authority |
| Government | |
| • Type | Unitary authority |
| • Governing body | Bristol City Council |
| • Executive | Labour |
| • MPs | Thangam Debbonaire (L) Kerry McCarthy (L) Darren Jones (L) Karin Smyth (L) |
| Area | |
| • City and county | 40 sq mi (110 km2) |
| Elevation | 36 ft (11 m) |
| Population (2021)[7] | |
| • City and county | 472,500[1] (Ranked 10th district and 43rd ceremonial county) |
| • Density | 11,000/sq mi (4,248/km2) |
| • Urban | 707,412[6] |
| Demonym | Bristolian |
| Ethnicity (2021) | |
| • Ethnic groups | List |
| Religion (2021) | |
| • Religion | List |
| Time zone | GMT (UTC) |
| • Summer (DST) | UTC+1 (BST) |
| Postcode | |
| Area codes | 0117, 01275, 01454 |
| ISO 3166 code | GB-BST |
| GVA | 2017 |
| • Total | £21.2bn ($26.9bn) (4th) |
| • Growth |  1.6% |
| • Per capita | £33,700 ($42,800) (4th) |
| • Growth | 3.1% |
| Website | bristol |
Speak to Bristol mortgage advisers for help and advice. By using Mortgage Brokers Network we can connect you with over 2,500 Mortgage brokers throughout the UK. Please use our ‘Get Mortgage Advice’ quote form to receive advice from Bristol mortgage advisers or scroll through the companies listed and contact the mortgage brokers directly.
