Mellow Financial

Mellow Financial We're Independent whole of market mortgage and protection advisers, working tirelessly for you.

We cover all of the UK so we can help you out with your mortgage & protection needs wherever you are. We are independent whole of market mortgage and protection advisers who works tirelessly to source our clients the best possible financial solution, tailored to their individual needs. We offer our services on a remote basis so we're able to work with clients all over the UK. In addition to mortga

ges and protection we're also able to offer will writing services to ensure all that you've worked for is passed to the correct people.

02/06/2026

Is a 40-year mortgage really that bad? Honestly, not at all — and here's why.

Houses are so much more expensive now than they were a generation ago. A longer term keeps your monthly payments lower, which can make a huge difference in those early years when money is tightest.

Yes, you'll pay more interest overall — but there are ways to bring that down as you go. Overpayments, adjusting your term at remortgage... it's not as daunting as it sounds.

If you've got questions about your mortgage options, drop me a message — I'm happy to chat it through.

01/06/2026

Did you see the latest house price figures?

UK property prices grew by literally 0% in the last 12 months. The average home is sitting at £268,000 — and for the first time in years, buyers are in the driving seat.

Sellers are negotiating. Gazumping is almost unheard of right now. This is the most buyer-friendly market we've seen since 2019.

You don't need to wait for prices to drop — you need the right mortgage in place so you can act when you're ready.

Share this with someone who's been thinking about buying, and send me a message if you want to chat through your options.

31/05/2026

Just received your mortgage offer? Amazing news — but don't celebrate by buying a new car on finance!

Your offer can still be withdrawn right up until completion. New credit, a job change, anything that affects your financial picture could cause problems.

So stay boring until you've got those keys. Trust me, it's worth it.

DM me if you have questions about the mortgage process.

31/05/2026

Love your parents — but maybe don't take mortgage advice from them.

When they bought their home, houses cost a fraction of what they do now. A 40-year term would have seemed ridiculous. Today, it's actually quite common.

The market has changed completely. Their advice hasn't kept up.

(Two exceptions: if they're a qualified mortgage adviser, or if they're handing over the deposit — in which case, just smile and nod!)

If you want advice that actually fits today's market, send me a message and I'll help you figure out your options.

30/05/2026

Has anyone ever told you their mortgage rate and you've felt a little envious?

Here's the thing — their rate isn't your rate, and it never will be. Mortgages are completely personal. Your rate depends on your income, your credit history, your deposit, your situation. Nobody else's.

So as long as you've got the best deal available for YOU, that's all that matters.

A broker will make sure of that. They'll look at your full picture and find the right product for you — not a generic "one size fits all" deal.

Share this with someone who might need to hear it! And drop us a message if you'd like a free chat about your mortgage options.

29/05/2026

Great news to head into the weekend with!

Multiple lenders have been cutting mortgage rates this week — Barclays, NatWest, Coventry Building Society, and Halifax have all made moves, with Halifax dropping their rates from Monday 1st June.

It's not a blanket slash across the board, but the trend is definitely downward, and the economic data behind it all looks positive too — swap rates easing, oil prices falling, and the global situation settling down a little.

If you're on a fixed rate that's ending soon (or you just want to know if there's something better out there), drop me a message and I'll take a look for you.

28/05/2026

100% mortgages are REAL — and we submitted two applications for them today!

Both clients are purchasing properties around £200,000–£250,000 with absolutely no deposit.

To qualify you need to be a first time buyer, have a clean credit history, and have the income to support the amount you want to borrow. That's it.

Share this with someone who needs to see it — and if you'd like to find out more about your own options, drop me a message.

27/05/2026

Ever feel like you're SO close but just can't quite get there?

That's exactly where my clients were — a little short of what they needed to borrow for their dream home.

After working on the case all day, I picked up the phone and called the underwriter directly. We talked through how to present the application differently, and just like that — £150,000 more in borrowing potential.

They went from thinking it wasn't possible to having more than enough. That's what a good broker is for.

If you or someone you know is struggling with affordability, send me a message and let's chat!

27/05/2026

Thinking of going straight to your bank for your mortgage? Here are 3 reasons why that might not be the best move...

1. You'll only see products from that one bank — missing out on hundreds of better deals
2. You won't know if you meet their criteria until after you've been declined
3. Once the application's in, you're on your own — no advice, no guidance

A broker searches the whole market, checks your eligibility upfront, and is there for you every step of the way. And it's free.

Share this with someone who's thinking about buying — it could save them a lot of stress! Send me a message if you'd like help.

26/05/2026

Think bad credit means you can't buy a home? Think again 🏡

We help people with bad credit get onto the property ladder every day — and here's what makes the difference:

✅ Check your credit report and know exactly what the issues are
✅ Pay down debts where you can, especially CCJs and defaults
✅ Save as much deposit as you're able to
✅ Speak to a whole-of-market broker who can match you to the right lender

We have access to lenders who accommodate defaults, CCJs, and past bankruptcies — so don't write yourself off just yet.

Drop me a message and let's see what's possible for you.

Address

Bristol

Telephone

+441172510544

Website

https://www.tiktok.com/@philip_mellow_financial

Alerts

Be the first to know and let us send you an email when Mellow Financial posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category