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.

26/06/2026

It's Friday night, I'm on holiday — and I just sent two clients their mortgage offer for a 100% no-deposit purchase. 🏡

People think 100% mortgages are a myth. They're not. First-time buyers with clean credit, settled status and steady income really can buy with no deposit — and if not, there are 5% deposit and low-deposit mortgages too.

Don't let a deposit stop you buying your home. Message me and we'll have a look for you.

25/06/2026

Buying your first home? Here's something most people get wrong about mortgages.

It's not just about the rate. There are loads of different deal types and costs, and the best one really depends on your situation and your plans.

That's exactly what a mortgage adviser is for. Send me a message and I'll help you find the right fit.

24/06/2026

Before you book a single viewing, get a Decision in Principle. 🏡

It's simple: your broker finds the right lender, pops in your basic details and income, and the lender does a soft credit check to confirm what you could borrow. Now you know your budget before you fall in love with a place.

Know a first-time buyer? Share this with them. And if you'd like a hand getting started, send me a message.

23/06/2026

Buying your first home? Two numbers matter most right now: what you can borrow and what you've got for a deposit. But here's the bit people miss — lenders care where your deposit came from. Savings? A gift? Who gave it? Sorting this early saves so much stress later. Drop me a message if you'd like a hand. 🙂

22/06/2026

First-time buyer? Here's the very first thing to do — and it's free.

Check your credit report and tidy it up. Look for defaults, late payments, CCJs or going over your limit. If something's there, don't panic — settle it, catch up, and get it sorted where you can.

Then tell your broker so there are no surprises later.

Message me if you'd like a hand getting started.

21/06/2026

Thinking about buying your first home but not sure where to start? 🏡

There's a whole list of things you need to sort — but honestly, you only need to do ONE of them. Book a free call and we'll walk you through affordability, deposit, credit and costs, then handle the rest so you can enjoy the house hunt.

Drop me a message to get booked in.

20/06/2026

Quick one for any homeowners 👋

If your mortgage deal ends in the next 6 months, you don't have to wait. You can lock in a new rate now to protect yourself from any rises — and if rates drop, we'll switch you to the lower one.

Best of both worlds. Message me and I'll take a look for you.

19/06/2026

More good news on mortgages this week! 🎉

Ten lenders have cut their rates — including Nationwide, Santander, Barclays and HSBC — and that's two weeks in a row of reductions across the board.

With things calming down globally too, it's looking like a great time to buy. If you've been thinking about a move, drop me a message and I'll help you weigh up your options.

18/06/2026

Think you need a big deposit to buy your first home? Not anymore.

This is a proper 100% mortgage with no catch — no 10-year lock-in, no family money in a savings account, no renting track record needed. Just a standard 5-year fix at 5.99% for first-time buyers across England and Wales.

If you've been priced out by the deposit, this could be your way in. Message me and I'll check if you're eligible.

18/06/2026

Worried you can't borrow enough for the home you want? There are three things that genuinely move the needle: boosting your provable income, clearing monthly commitments like car finance and credit cards, and tidying up your credit report. Get these right and you could reach lenders willing to lend a lot more. Drop me a message and I'll point you in the right direction.

Address

Bristol

Telephone

+441172510544

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