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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.

When the Unthinkable Happens, Financial Support Matters No parent ever wants to imagine hearing the words, "Your child i...
13/10/2026

When the Unthinkable Happens, Financial Support Matters

No parent ever wants to imagine hearing the words, "Your child is seriously ill." 💔

In those moments, the last thing you should be worrying about is money.

👶 Children's Critical Illness Cover can provide a tax-free lump sum if your child is diagnosed with a covered serious illness, helping you:
❤️ Take time away from work to be by their side
🏥 Cover travel and treatment-related expenses
🏡 Pay everyday household bills while life is turned upside down
✨ Focus on what truly matters – your child's recovery

We can't protect our children from everything, but we can help protect our families from the financial impact that serious illness can bring.

Because when your child needs you most, every moment matters. 💙

👉📞 Reply to this post or contact us on 0117 435 3040 to find out how we can help

https://ellisjamesfinancial.co.uk/our-services/critical-illness-cover


🩺 Critical Illness Cover vs Income Protection: What's the Difference? They both provide financial support when illness a...
06/10/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover
If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:
· Pay off or reduce your mortgage
· Cover household bills
· Make changes to your home
· Take time away from work
· Help with recovery costs

💼 Income Protection
If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:
· Mortgage or rent
· Household bills
· Everyday living costs
· Family commitments

Think of it this way:
🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us on 0117 435 3040 for a protection review.


🏡 Landlords – flexibility matters. As a landlord, your mortgage shouldn't hold you back. I now have access to a lender t...
29/09/2026

🏡 Landlords – flexibility matters.

As a landlord, your mortgage shouldn't hold you back.

I now have access to a lender that's just launched two new Buy-to-Let Base Rate Tracker mortgages with no early repayment charges (ERCs).

Why does that matter?
✅ Re-mortgage whenever it suits your investment strategy
✅ Raise funds for your next purchase without worrying about ERCs
✅ Refinance after adding value through renovations or improvements
✅ Greater flexibility as your property portfolio grows

Tracker rates are available from:
📍 Bank of England Base Rate +1.00% for standard Buy-to-Let properties
📍 Bank of England Base Rate +1.35% for HMOs and Multi-Unit Blocks

Every landlord's circumstances are different, so if you're looking to expand your portfolio or want a mortgage that gives you more freedom, send me a message and let's see if this could work for you.

Subject to eligibility and full mortgage assessment.

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.

🏡 Is Gen Z giving up on homeownership? Think again. Despite what you might hear, many Gen Z buyers are still determined ...
22/09/2026

🏡 Is Gen Z giving up on homeownership? Think again.


Despite what you might hear, many Gen Z buyers are still determined to get on the property ladder, they're just taking a different approach.

For many first-time buyers, affordability is taking priority over location, and compromise is reshaping young buyer behaviour. Whether it's looking a little further afield or choosing a different type of property, many are making smart decisions to get their foot on the ladder.

As a first-time buyer, it can be difficult to know where to start. Which lender is offering the best deal? Who will lend you the most? Which mortgage is actually right for your circumstances?

That's where I come in.

As a mortgage broker, I compare lenders, explain your options in plain English, and help you find a mortgage that's right for you, making the process as simple and stress-free as possible.

📩 Drop me a message or 👉📞Contact us on 0117 435 3040 and let's see what's possible.



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.

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea? As summer starts to draw to a close, have those sunny d...
15/09/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible.👉📞Contact us on 0117 435 3040




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.

Which Protection Product Solves Which Problem? 🤔 Many people know they should have protection in place, but they're not ...
08/09/2026

Which Protection Product Solves Which Problem? 🤔

Many people know they should have protection in place, but they're not always sure which type of cover does what.

Here's a simple guide:

❤️ Life Cover
Problem it solves: Your family would struggle financially if you died.
Solution: A lump sum payment to help support your loved ones, pay off debts or cover living costs.

🩺 Critical Illness Cover
Problem it solves: You're diagnosed with a serious illness and need financial support during recovery.
Solution: A tax-free lump sum that can be used however you choose, whether that's paying the mortgage, replacing lost income or adapting your home.

💼 Income Protection
Problem it solves: You can't work due to illness or injury.
Solution: A regular monthly income to help cover your essential bills while you recover.

Think of it like this:
✔️ Life Cover protects your family's future.
✔️ Critical Illness Cover protects your recovery.
✔️ Income Protection protects your monthly income.

Each product is designed to solve a different problem, and for many people, they work best together.

Not sure which protection is right for you? Let's have a chat.

👉📞Reply to this email or contact us on 0117 435 3040 to arrange your review. Alternatively, please visit https://ellisjamesfinancial.co.uk


🔥 More niche lending options for Limited Company landlords 🔥 Not every buy-to-let mortgage fits the “standard” box — but...
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.

👀 Halifax is changing... You may have seen the announcement that Lloyds Banking Group, has confirmed that Halifax Inter...
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.


🏡 Are you prepared for the changing rental market? With the Renters' Rights Act reshaping the private rental sector, lan...
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.


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

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