Mortgage Style ltd

Mortgage Style ltd We offer friendly, impartial advice on mortgages and protection. https://linktr.ee/MortgageStyle Mortgage Style Ltd is registered in England and Wales.

Mortgage Style are an award-winning mortgage broker based in Bristol providing professional advice to private individuals, families, landlords, property developers and, through our sister company, Brunel Bridging, anyone looking for a commercial mortgage. Whether you’re:
- self-employed,
- buying your first house,
- moving home,
- need to remortgage,
- growing your buy-to-let portfolio or


- planning a property development project, we could help. Our team of friendly advisors will work tirelessly to find you the right deal even when the circumstances are challenging. Mortgage Style Ltd is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registered Number 5743648. Registered Office: Elm Tree Farm Estate, The Sheepway, Portbury, Bristol, BS20 7TF. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but will range from £495 to £995 and this will be discussed and agreed with you at the earliest opportunity. The Financial Conduct Authority does not regulate commercial mortgages, most forms of buy to let mortgage and some forms of bridging finance. Lifetime Mortgages are only available to those 55 and over, and could affect eligibility for state means-tested benefits and the inheritance you may leave. To understand the features and risks, ask for a personalised illustration. Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP TO DATE WITH YOUR MORTGAGE REPAYMENTS.

03/09/2026

📊 The Bank of England held rates in July, the next decision will be announced on the 17th September.

🔍 Inflation is still a touch above target, and the last vote was close (some committee members wanted a rise). The outlook is uncertain, small cuts, a hold, or an increase are all being discussed.

→ On a tracker or variable rate mortgage you're directly exposed to the next moves of the Base Rate

→ On a fixed rate, you’re insulated from mortgage changes until your deal ends but if that's within 6 months, plan now!

→ Fixed rates move on market expectations and what’s happening in the economy generally rather then being tethered to decisions made by the Bank of England.

✅ You can often lock in a rate now and still switch if a better one appears before completion.

Unsure what the outlook means for you? Get a proper review, not a guess.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application. Our average fee is around £200 and the maximum you may pay is £595.

01/09/2026

🏠 First-time buyer AND a limited company director? You absolutely can get a mortgage but there are some key things you should know.

✅ Being a director doesn't stop you being a first-time buyer. What changes is how lenders assess your income.

💷 Some lenders only count salary + dividends. Others consider retained profit in your company, which can dramatically change what you can borrow.

🏛️ Your company owning property doesn’t always mean you lose first-time buyer relief from Stamp Duty. Generally the relief looks at whether you personally have owned before, not your company. But it's not always straightforward so take advice.

🏦 You can often use money drawn from your company as part of your deposit but how you draw it has tax implications so check with your accountant first.

This is exactly our niche. Let's find the lender who sees your real income. Talk to us.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. A fee may be payable if we progress your application. Our average fee is around £200 and the maximum you may pay is £595.

27/08/2026

🏠 First-time buyer? You've been told the only way to buy a home is with a huge deposit. There are other options!

→ Family-assisted mortgages (parents help via savings or their property as security, not just a gift)

→ Joint Borrower Sole Proprietor (a family member's income boosts your borrowing, but you stay sole owner)

→ Shared ownership (buy a share, pay rent on the rest)

Feeling stuck? Let's find your route in.


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.

25/08/2026

💼 Self-employed? The high street is quite likely to get your income wrong.

➡️ Here's why:

→ You might have under 2 years of accounts

→ Your accountant minimised taxable profit (better for tax, not always ideal for your borrowing calculation)

→ Retained profit in your company is often ignored

✅ What we do differently:
→ We know which lenders take 1 year of accounts
→ Which count salary + dividends, or net profit including retained earnings

Been told no, or offered too little? That's exactly who we're built for. Talk to us.


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.

20/08/2026

🏡 Moving home? A few mortgage decisions trip people up constantly. Here's how to stay ahead.

➡️ DECISION 1: Port or switch? Mid-way through a fix, you may be able to take your rate to the new home ("porting") and dodge an early repayment charge. But it's not automatic! The lender reassesses you, and any extra borrowing may be at a different rate. Sometimes porting wins; sometimes a clean switch is better.

➡️ DECISION 2: Time the chain. Your mortgage offer usually lasts around 6 months. In a slow chain it can expire before completion meaning re-applications and possibly different terms.

✅ We handle both; working out port vs switch, and keeping your offer valid and your move on track.

💬 A move always goes smoother when the mortgage is actively managed, not left to chance.

Planning a move? Let's sort the mortgage early. Talk to us.

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.

13/08/2026

🏠 It’s every landlord’s nightmare; a tenant who stops paying and won't leave.

💬 One of our own team is living through it right now, arrears climbing into the thousands and an eviction process running many months behind through the courts.

✅ Rent guarantee & legal expenses insurance exists for exactly this situation and can cover lost rent and the legal cost of regaining possession, for a modest annual premium. Most landlords simply don't have it.

Make sure you're covered before you need it.


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.

11/08/2026

🛡️ Protection is the part of a mortgage everyone wants to skip. Until they can't.

➡️ Protection is the safety net under your mortgage:

→ Life cover: clears the mortgage if you die
→ Critical illness cover: pays out on a serious diagnosis
→ Income protection: replaces part of your income if you can't work

💬 In the years we’ve been advising clients, we've seen it too often; people assume they're covered, or that it won't happen to them. Then it does, and the mortgage still has to be paid.

✅ Cover is almost always more affordable than people fear. And we won't sell you the biggest policy, just what you actually need, explained plainly.

Got a mortgage but no protection? Get advice before something happens, not after.


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.

06/08/2026

🏆 Just sharing a couple of big weeks for the team!

⭐ We were named “Runner Up” for Professional Services at the inaugural Together Portishead Business Awards (2026), being recognised for the fairness and tenacity we bring to helping every client reach their property goals.

🤝 We had a brilliant time at the Together Portishead business show too, meeting other brilliant local businesses.

⭐ And we've just received our ESTAS trophy for “Best in Postcode” which is a great achievement because the ESTAS are judged entirely on reviews from real clients. Not a panel or won through a paid entry. The ESTAS are awarded based on feedback from the people we've actually helped.

📍 20 years on from when we were first formed, Bristol-based and proud, supporting clients right across the 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

🎉 This year, Mortgage Style turns 20.

➡️ Founded by our MD, Marcus Robinson in 2006, we've spent two decades placing mortgages, often for clients where other brokers said they couldn't help. For first-time buyers, the self-employed, landlords, property developers and everyone in between.

🎂 To celebrate, we're sharing a helpful series: 20 Things You Should Know About Mortgages (and Mortgage Style).

✅ Useful tips plus a few behind-the-scenes things about how we work to get better results for clients.

💬 Our guiding principle in 20 years hasn't changed: there should be a mortgage option for everyone, whatever their situation and everything must be explained like you'd cover it with a family member.

👀 Follow along for all 20. Got a question now? Don't wait!


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

Elm Tree Farm Estate The Sheepway, Portbury
Bristol
BS207TF

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

Telephone

+441275370360

Website

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