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Ellis James Financial

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Ellis James Financial

Mortgage Broker Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let mortgages Commercial mortgages are not regulated by the Financial Conduct Authority. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Ellis James Financial Ltd is registered in England and Wales with company number 13367133. Registered Office: Homelea Cottage, The Common, Patchway, Bristol BS34 6AS. Ellis James Financial Ltd, an

appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 953976. You can find Ellis James Financial Ltd on their website www.fca.org.uk.

01/09/2026

🔥 More niche lending options for Limited Company landlords 🔥

Not every buy-to-let mortgage fits the “standard” box — but the good news is, some lenders are catering for more complex setups 👇

Here are 3 more specialist criteria currently available, all with 1 lender!

✨ Minority shareholders accepted
You can have someone hold up to a 20% share in the Limited Company that’s buying the property, without them needing to be on the mortgage or go through credit checks.

💡 For example: you might bring in a friend or family member as a small investor in your company, without them needing to be involved in the mortgage application

🏡 Company buying a director’s current home
Your Limited Company can purchase a property you or any other shareholder currently live in and convert it into a buy-to-let.

💰 Intercompany loans for deposits
Using funds from another company as your deposit can be acceptable — even if that company is owned by a single director/shareholder.

💡 For example: you might have a trading business you’ve run for 20 years (e.g. a building company) where your main income sits. That company could provide the deposit to your property Limited Company, also known as the Special Purpose Vehicle (SPV)

Subject to full mortgage application.

For an initial conversation with a top-rated Mortgage Broker contact us on 0117 435 3040. Alternatively, please visit https://ellisjamesfinancial.co.uk

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

25/08/2026

👀 Halifax is changing...

You may have seen the announcement that Lloyds Banking Group, has confirmed that Halifax Intermediaries will become Lloyds Intermediaries in early 2027.

While the name is changing, the important thing is what it means for you as a customer.

If you're a Lloyds Premier Personal Current Account customer, there are exclusive mortgage products available through your mortgage broker. You don't need to go directly to the bank to access these rates - I can arrange them for eligible customers, whilst comparing with other rates.

In the meantime, if you currently have a Halifax mortgage, I can also access the same Halifax rates and products for existing customers - before accepting your renewal offer, let me carry out a full mortgage review, and compare with the wider market to make sure you're getting the right deal.

📩 Get in touch if you'd like me to review your mortgage.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

18/08/2026

🏡 Are you prepared for the changing rental market?

With the Renters' Rights Act reshaping the private rental sector, landlords could face longer possession times and extended periods without rental income.

That's why Extended Rent Guarantee Insurance is so important.

I have access to a General Insurance provider who can offer:
✅ Up to 18 months' rent protection
✅ 100% of rent covered (up to £2,500 per month)
✅ Cover starts from the first missed payment
✅ Available for new and existing tenancies
✅ Flexible policies with a zero excess option

Don't let unpaid rent put your investment at risk. Protect your rental income with cover designed for today's rental market.

👉📞 Contact us on 0117 435 304 to find out how Rent Guarantee Insurance can help safeguard your property and your income.

11/08/2026

What's the difference between short and long term rates.

In this video, James discusses mortgage rate terms.

For an initial conversation with a top-rated Mortgage Broker contact us on 0117 435 3040. Alternatively, please visit https://ellisjamesfinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

04/08/2026

🏠 Need to Mortgage 4+ Buy-to-Lets? Read This 👇

Many landlords assume that refinancing or purchasing multiple properties means multiple mortgage applications, multiple legal processes, and plenty of admin.

In reality, some lenders offer portfolio solutions that can allow multiple properties to be included within a single mortgage application:
✅ Less paperwork
✅ Reduced legal costs
✅ Simpler underwriting
✅ Faster decision making
✅ A dedicated point of contact throughout the process

Every landlord's circumstances are different, but knowing which lenders offer specialist solutions can make a significant difference to both costs and efficiency.

👉📞Contact us on 0117 435 3040 to arrange your review.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

28/07/2026

How long should my mortgage repayment term be?

In this video, James discusses mortgage repayment term options.

For an initial conversation with a top-rated Mortgage Broker contact us on 0117 435 3040. Alternatively, please visit https://ellisjamesfinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

21/07/2026

☀️ Summer is just around the corner! 😎

If you're self-employed, taking a couple of weeks off to relax and enjoy the sunshine sounds great 🌴🍹

But what if you had to take more than a few weeks off because of an illness or injury? 🤕🏥

Unlike employees, most self-employed people don't receive sick pay 💷❌ If you're unable to work, your income could stop while the bills keep coming 📉🏠⚡

✅ Income Protection can provide a regular monthly income if you're unable to work due to illness or injury, helping you keep on top of your finances while you focus on your recovery 💙

Don't leave your income to chance 🎯 Make sure you have a plan in place.

📩 Get in touch to find out how Income Protection could help protect you and your family.

👉📞Contact us on 0117 435 3040 to arrange your review.

14/07/2026

In this video, James discusses the difference between a High Street and a Bad Credit Mortgage.

For an initial conversation with a top-rated Mortgage Broker contact us on 0117 435 3040. Alternatively, please visit https://ellisjamesfinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

07/07/2026

❤️ Protect Your Family & Finances with Critical Illness Cover

Life is full of surprises—but not all of them are welcome. A serious illness can affect more than just your health; it can impact your income, savings, and family finances too.

🛡️ Critical Illness Cover can provide a tax-free lump sum payment if you're diagnosed with a covered critical illness, helping you focus on what matters most—your recovery.

Why consider Critical Illness Cover?
💷 Help cover mortgage payments and household bills
🏥 Support private treatment, rehabilitation, or medical expenses
📉 Replace lost income if you're unable to work
👨‍👩‍👧‍👦 Protect your family's financial wellbeing
🌟 Enjoy greater peace of mind for the future

A critical illness can happen when you least expect it. Having the right protection in place means you and your loved ones can face the future with greater confidence.

✅ Financial support when you need it most
✅ Flexible use of your payout
✅ Protection tailored to your needs and budget

📞 Get in touch today for a no-obligation review and find out how Critical Illness Cover could help safeguard your future.

We're here to help you protect what matters most. ❤️

👉📞Contact us on 0117 435 3040 to arrange your review.

30/06/2026

In this video, James discusses the difference between a repayment and an interest only mortgage.

For an initial conversation with a top-rated Mortgage Broker contact us on 0117 435 3040. Alternatively, please visit https://ellisjamesfinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances.

Address

Homelea, The Common
Bristol
BS346AS

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm

Telephone

+441174353040

Website

http://ellisjamesfinancial.co.uk/

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