Bristol's Leading Mortgage Advisors

Let us put you in touch with one of our financial experts who will give you impartial advice and help you find suitable products for you.

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Why use us?

From the information you provide to us, our experts will search the market and find the most suitable products for you. If you are happy with the product on offer, we will handle all the necessary paperwork for you, including any relevant applications, to ensure that everything runs smoothly for you.

Quick service

From just a few minutes completing some basic information, we will quickly search for suitable financial products for you.

Expert advice

We’ve helped thousands of customers secure financial products and service so you know that you are in capable hands.

Reduced stress & time saving

Choosing the right financial product is time consuming and can be stressful, so remove much of this by putting it in the hands of one of our financial experts.

Reliable service

Whatever type of financial product or service you are looking for, our service is reliable and always matched to your own personal circumstances.

Jason Pulsford has been an advisor with our Derby branch for a number of years. Due to his success, he has progressed to setting up his own franchise – Finance Advice Centre (Bristol). Opening in late 2020, Jason is on hand to help and assist you through your mortgage journey and help with any advice needed in protecting yourself and your family.

Having left college in 2000, Jason Pulsford went straight into Financial Services joining NatWest. Within his first year of joining Jason was selected as Subject Matter Expert to help with IT and Process integration onto RBS platform. Jason worked for RBS group for 16 years in various technical and customer lending roles including a number of managerial roles. January 2016 Jason opted to take voluntary redundancy as Quality Assurance Manager for Coutts to shape a new career path.

Jason straight away started a new temp role at HSBC while deciding what path he wanted to take. Towards the end of 2016, he began studying for mortgage qualifications. He was keen to get back to the frontline and help people onto the property ladder. Jason passed his mortgage exams within 2 months and at the start of 2017 was recruited by Matt Cassar to join the Derby Team and has never looked back.


Want to join the team?

Interested in joining the Bristol franchise? Jason is currently looking for advisors to join him so if you’re interested feel free to get in touch.

Some of the types of mortgages we can help you with

First-time buyers

You may have spent a number of years building up your deposit for your first property and now you are keen to get your foot on the property ladder. With your deposit secured, you’ll be wanting to find out how much you are likely to be able to secure for a mortgage so you can understand the type of property you can afford to buy. When you start looking for mortgages in Bristol be sure to shop around and compare the best deals. If you’re new to the mortgage market it can be tempting to go with the first option you are offered, but looking for the best deals will pay off for you.

Remortgaging your property

There are a number of reasons you might decide to remortgage including:

  • Expiry of your current mortgage deal
  • Mortgage overpayments
  • Increased property value
  • You are on a higher interest rate
  • Releasing of equity in the property

If you need any help with remortgaging it is advisable to speak to a mortgage broker in Bristol. They will be able to answer any remortgaging questions you might have and help you secure the best deal for your remortgage.

Buy-to-let mortgages

A buy-to-let mortgage is a mortgage specifically aimed at people who buy property as an investment rather than a home to live in. If you are planning on renting out a new property, the majority of lenders will prefer you not to finance the purchase with a normal residential mortgage.

The difference between a buy-to-let mortgage and a residential one is that unlike most residential mortgages, buy-to-let are usually offered on an interest-only basis. Therefore, your monthly payments will only cover the interest on your mortgage.

Right to Buy mortgages

If you are a tenant in a local authority owned property, you may have the option to buy your property at a discounted rate through the Right to Buy scheme. The amount of discount available to you will depend on the type of council property you live in. If you live in a house, you could get a 35% discount if you have been a tenant for between three and five years. After five years the discount goes up by 1% for every extra year you have been a tenant, up to a maximum of 70%. If you currently live in a flat, a 50% discount is likely if you have lived there between three and five years. After that, the discount rises by 2% for each extra year up to 70%.

Commercial Mortgages

Commercial mortgages are usually the next option for businesses who require a larger loan than you would typically get with a business loan. end. Business loans are usually available for amounts up to £25,000 and are unsecured, but for larger amounts lenders will require security so they can reduce the risk to themselves. A commercial mortgage typically lasts from 3 to 25 years and you can usually find a 70-75% mortgage. Mortgage loans for commercial properties fall into two categories, owner-occupier mortgages and commercial investment mortgages. The owner-occupier mortgage is used to buy property that will be used as trading premises for your business, whereas commercial investment mortgages are used for the purchase of a property that is intended to be let out.

Self-Employed Mortgages

If you are self-employed, you can face difficulties when it comes to getting a mortgage because you have to prove to the lender that you have a reliable income. This isn’t always as straightforward as it might seem, which is why the services of a financial advisor can help you boost your chances of satisfying the lender. Lenders will consider you as self-employed if you own more than 20% to 25% of a business from which you earn your main income. For example, you could be a sole trader, contractor, or company director.

When looking for a mortgage a self-employed person will have access to the same range of mortgages as everybody else. You will need to complete and pass the lender’s affordability tests in the same way as any other applicant. However, as there is no employer to confirm your wage, you are required to provide far more evidence of your income than an employed borrower. Mortgage providers over the years have considerably tightened up their lending criteria and need to be fully convinced you can afford your mortgage before they agree to lend to you.

If you have only been self-employed and only have accounts for one year or less, you might find it more difficult to prove to a lender that you can afford to repay a mortgage, but it certainly is not impossible.

For more information about mortgages in Bristol get in touch with the Finance Advice Centre today. We also offer advice about purchase, moving home, professional, and Lifetime mortgages. Our team has specialist knowledge that can benefit you whether you’re completely new to the mortgage process or have some prior understanding. So, if you are looking for a mortgage advisor in Bristol that can give you the assistance you need to get your mortgage application accepted, we are on hand to help.


Our approach - and how we do it


We love speaking with our clients. Either give us a call or fill in one of our contact forms. Remember, we love a challenge!


One of our Advisors will then find out what you’re looking to do, discuss your options and answer any questions you may have.


Your Advisor will find the best option for you and help arrange things. You then sit back and relax while we do the rest.

Ready to assist you.

Choosing a financial product or service, such as a mortgage, remortgage, loan or insurance can be daunting and your choice is a decision you need to get right. For this reason, it is vital that you get impartial advice from competent and qualified advisors. Whether you are a first-time buyer, looking to remortgage, hoping to remortgage or even buy a property to let, needing a loan or insurance this is where our advisers excel.

Be reassured that our aim is to guarantee reliable financial advice appropriate to any individual that makes contact with us. Through our network of contacts, we have access to thousands of financial products, from mortgages to loans to insurance, so we are confident that we’ll find one to suit you.

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See what our customers think ...

What a Fantastic Service from start to finish. Great customer support from Ben Patten & Joe Frayne, superb product knowledge and exceptionally responsive to emails/calls, we can 100% recommend the Finance Advice Centre Ltd , they got us a great deal on a mortgage with suited life insurance, especially during this very difficult Covid 19 time ……

Ian Stamp

From start to finish, Greig and Emily were very helpful with our mortgage application. The advice Greig gave us was very clear and informed. They were always available either by phone or email to answer any questions we had. The whole process was made a lot easier because of the work they did. Would thoroughly recommend

Ross Nightingale

Let us do the work of finding your mortgage

We’ll put you in touch with impartial advice from an expert mortgage advisor who will help secure you the best mortgage deals available.