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.

02/09/2026

You don't need a mortgage adviser.

I mean it. In exactly the same way that you don't need a painter and decorator.

I could go and decorate our kitchen myself. But it isn't my skill set, so I wouldn't do a very good job of it — I know I'd make a mess of it, and it wouldn't be a great experience. Or I could pay a professional to come in, do it properly, get a nice clean finish, and free up my time to do what I actually do best.

Arranging a mortgage sits in exactly the same place.

A mortgage adviser takes it off your hands. We look at the whole market and find the most suitable solution for your situation and your circumstances — not just whatever one lender happens to be offering this week. And we have access to lenders that you can't approach as a general member of the public, so there may well be better deals out there that you'd never even know existed.

You end up with a whole host of choice across the whole market, professional advice behind the recommendation, and the job done for you. That means you can be confident it's been done properly and that you've got the right solution for your needs.

Purchase, remortgage, moving home, buy-to-let — whatever it is, we'll take it on.

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The bit most people don't realise about mortgages 👇There are lenders who don't accept applications from the public at al...
02/09/2026

The bit most people don't realise about mortgages 👇

There are lenders who don't accept applications from the public at all. They only lend through brokers.

Which means if you're going direct to your own bank, there is an entire section of the mortgage market you can't see — and you'd never know what you missed.

That's on top of the obvious stuff: a mortgage adviser searches the whole market, works out which lender's criteria actually fit your situation, and handles the application from agreement in principle to completion.

It's the same reason I'd pay a decorator instead of doing our kitchen myself. Not because I can't pick up a brush — because a professional does it better, faster and properly.

First-time buyer, remortgage, moving home or buy-to-let. Let someone who does it every day do it.

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

01/09/2026

Ever sat there at 8:29am with the phone in your hand, ready to fight for a doctor's appointment? 😩

Here's something a lot of people miss: life insurance and critical illness policies often come with an online GP service built in. Advice, referrals, even prescriptions — 24/7.

I used mine recently. Spoke to a doctor, got the prescription, walked into Boots and picked it up. Happy days.

If you've got cover, check your paperwork. If you're buying your first home or remortgaging, ask your protection adviser exactly what extras come with the policy so you actually use them.

Give us a call on 01172 510544 or drop us a DM
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

31/08/2026

Bristol first-time buyers — this one's worth two minutes of your time.

Saving a deposit is the single biggest thing keeping people renting. So let's look at a £315,000 property in Bristol and see how it stacks up with no deposit at all.

There are products that allow you to borrow 100% of the value of the property, which means no deposit of your own. In this example:

35-year term
Five-year fixed rate (this type of product requires it)
Around £1,800 a month in mortgage repayments
A combined income of roughly £72,000 — or the same on your own if you're a single applicant
At least one applicant needs to be a first-time buyer
A clean credit history is essential — lenders won't look at this if there's anything untidy on your file

The rate does sit at the higher end, because you're borrowing the full amount. That's the trade-off for not putting a deposit down.

This is an example rather than advice, and it might not match your circumstances — so have a proper conversation before you make any decisions.

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

“We’ll just rent while they’re at uni.” 🏠Maybe. But have you priced up the alternative?With a Joint Borrower Sole Propri...
30/08/2026

“We’ll just rent while they’re at uni.” 🏠

Maybe. But have you priced up the alternative?

With a Joint Borrower Sole Proprietor mortgage:

✅ No deposit required — up to 100% of the purchase price
✅ Parents’ income counts towards affordability
✅ Your son or daughter is the sole legal owner
✅ Spare rooms can help with the running costs

It won’t suit everyone — affordability and ages are checked properly behind the scenes — but it’s an option most families never even look at.

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

30/08/2026

Accommodation is one of the biggest costs of going to university, and almost everyone defaults to renting.

There is another route worth knowing about.

It's called a Joint Borrower Sole Proprietor mortgage. In this instance you wouldn't need a deposit — you could borrow up to 100% of the purchase price with help from Mum and Dad.

Here's how it works. Only one applicant is the legal owner of the property, which would be the son or daughter going to university. Mum or Dad, or both, go on the mortgage purely to help the borrowing power, because their income can be taken into account to boost how much can be borrowed.

There are standard checks behind the scenes — affordability, ages, credit history — so it isn't right for every family. But if you'd prefer to buy rather than rent while your child is at university, it's certainly an option to explore.

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

29/08/2026

Most people wait too long to sort their mortgage… 👀

If you're within 6 months of your deal ending, you can lock in a rate NOW.

✔ Protect yourself from increases
✔ Switch later if rates drop
✔ Peace of mind sorted

Don’t leave it until the last minute.

DM me if you want help reviewing your options 📩

28/08/2026

Bad credit doesn't mean no mortgage 🏠

Here's what to do:

✅ Pull your credit report — know the exact issues
✅ Pay down debts, especially CCJs and defaults
✅ Save as much deposit as you can
✅ Find a whole-of-market broker

We work with lenders who accommodate defaults, CCJs, even past bankruptcies.

Don't give up before speaking to someone who actually knows your options.

DM me and let's talk 👇

28/08/2026

Thinking about buying your first home in Bristol? 🏡 Here are the real numbers.

We've assumed a couple, both first-time buyers, with a clean credit history and a 5% deposit.

🏠 Purchase price: £260,000
💷 Deposit needed: £13,000
🏦 Mortgage: £247,000
📊 Combined income: around £45,000
📅 Monthly repayment: roughly £1,500

That's a 95% loan-to-value mortgage — and for a lot of couples, that monthly figure is very close to what they're already paying in rent.

And if the deposit is the bit stopping you, there are products out there that need no deposit at all. You might qualify.

Tag someone who's been saying "one day" for the last three years 👇

Give us a call on 01172 510544 or drop us a DM



YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

27/08/2026

First-time buyers — you might need a lot less deposit than you think! 🏡

There are lenders offering 100% mortgages (no deposit), a £5,000 deposit option, and 5% deposit deals that can work even with a visa or past credit blips.

More deposit means a better rate, but the ladder isn't out of reach if you've saved little or nothing.

Give us a call on 01172 510544 or drop us a DM

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS

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