Mortgage Style ltd

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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.

15/10/2026

💼 Company director? Borrowing assessed on salary and dividends alone? There is another way…

➡️ You take a small salary plus dividends, leaving profit in the company. Likely better for tax management but the high street only counts what you take out.

✅ Some lenders assess salary and your share of net profit (not dividends). Same director, same company but with a much bigger figure used for affordability calculations. A materially bigger mortgage, without drawing a penny more or paying more tax.

Leaving profit in your business? You may borrow far more than your bank thinks. 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.

13/10/2026

⭐⭐⭐⭐⭐When a client takes the time to share what working with us was really like, we’re exceptionally grateful.

💌Their feedback not only helps other clients know what to expect when working with us but the sentiment and comments are often a reminder for why we do this.

Recently received one of the loveliest ever…

"Daniel at Mortgage Style Ltd has been absolutely brilliant, and I genuinely couldn't have asked for a better mortgage broker!

From our very first conversation, he was so approachable, friendly and incredibly helpful. He was always quick to respond to my messages, no matter how many questions I had, and managed to secure me a really good mortgage deal.

What I appreciated most was that his support didn't stop once the mortgage was approved. He continued to check in and help me right through to my move-in date, which meant a lot, especially as a first-time buyer.

Beyond being excellent at his job, Daniel is just a genuinely lovely person. It's rare to come across someone who is so professional yet makes you feel so comfortable throughout the whole process.

I wouldn't hesitate to recommend him to my colleagues, friends, clients or anyone looking for a mortgage broker. I'll certainly be going back to him in the future.

Thank you, Daniel, for helping me get the keys to my first home!"

You can read more of our reviews on our website.

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.

08/10/2026

💼 Self-employed? The high street isn’t always the best place to look for a mortgage.

➡️ If you’ve got less than 2 years of accounts or a low income for better tax management, we could help.

✅ Knowing which lenders take 1 year of accounts, which count salary and dividends, or net profit including retained earnings, is our niche.

Told no, or not offered enough to buy? Get in touch.


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.

06/10/2026

📈 Fixed mortgage rates are rising faster than they have in a while.

➡️ Rates have changed because they're priced off what markets expect, not the base rate. Several major lenders have raised fixed rates more than once in recent weeks.

⏳ If your deal ends in the next 6 months, today's rate could be gone tomorrow.

✅ Reserve a rate up to 6 months before your deal ends. Lock in today’s rate and we’ll keep an eye on the market for you. If rates drop before your current fix ends, we can switch you to a better option.


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.

01/10/2026

🏠 Recent research suggests adult children living at home could be costing UK parents around £17bn a year.

➡️ Fewer jobs and a high cost of living make it difficult to save. But a big deposit isn’t the only route in.

✅ Shared ownership, family-assisted mortgages, higher-LTV deals for smaller deposits and first-time buyer support are all available if you know where to look.

💬 We map the right route for you so you fly the nest, and Mum & Dad get their spare room back.

Feeling stuck? Let's find your way on. 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.

5️⃣Five things worth doing before you apply.➡️The months before a mortgage application do more for what you can borrow t...
29/09/2026

5️⃣Five things worth doing before you apply.

➡️The months before a mortgage application do more for what you can borrow than almost anything else and most of it is straightforward once you know what lenders are actually looking at.

🔹Clear what debt you can. Lenders work out what you can borrow after your monthly commitments.

🔹Don't take on new debt in the run-up. New finance sits on your credit file and comes off your affordability.

🔹Every extra pound of income counts (overtime, a pay rise, a second income) though how much varies by lender.

🔹Read your own credit file before a lender does. It's free, and errors are more common than you'd think.

🔹Your last three months of statements are part of the application. Underwriters read them.

That wraps up 10 of our 20 tips. Planning to buy or remortgage in the next year? The earlier we talk, the more of this we can put to work.

20 years. Multi-award-winning. Bristol-based, UK-wide.
mortgage-style.co.uk
01275 370360

YOUR HOME/PROPERTY 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.

22/09/2026

💼 Remortgaging as a company director, Part 2: releasing value from your home, retained-profit lenders, director's loans, and the trap to avoid.

💰 You can raise money when you remortgage for home improvements or consolidating debt. As a director, the amount depends on how the lender reads your income, so it’s important to choose the right one.

📊 If your company retains profit, many lenders ignore it but some assess salary and your share of net/retained profit, which can substantially boost your borrowing.

📝 If you’ve taken a director’s loan since your last mortgage, be upfront. Lenders see it in your accounts and it can affect affordability. Flag it early so we place you with a lender comfortable with it.

⚠️ Drifting onto the SVR because your income no longer fits current affordability rules is the trap to avoid at all costs. Don't let it happen by default. 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.

20/09/2026

We love an online review and always appreciate what our clients have to say but getting gifts like this reminds us how much what we do matters.

That someone took the time to gather individual items and send them over gives the team a real lift.

Grateful to work with the best clients 😍❤️.

17/09/2026

➡️ Protection is the safety net beneath your mortgage.

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

🤔 People often assume work covers them for these eventualities, or it won't happen to them. But sick pay runs out fast and the mortgage doesn't pause because you're unwell.

✅ Cover is often more affordable than people expect. We'll find what you actually need and explain it in terms you understand.


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

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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