The Bristol Mortgage Advisor

We’ve re-engineered the mortgage process to put you in control. If you’re looking for a personalised yet professional service to help you find the most suitable mortgage option for your current circumstances, we’ve got you covered.

Your Journey To Ownership

Not sure where to begin? Follow our simple steps to start your home-buying journey today!

We’re here to put you first. Understanding what matters most to you, your hopes, needs, and future dreams, is at the heart of everything we do. By getting to know you, we can provide the care and support you need to achieve your goals.

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With a clear understanding of your priorities, we’ll provide tailored recommendations designed to help you achieve your goals. Whether you’re securing your first home, your forever home, or an additional property, we’ll offer options that align with your dreams. Beyond that, we’ll work with you to futureproof your plans, ensuring you stay in your home no matter what life brings.

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Once you’re happy with our recommendations, we’ll be by your side to guide and support you every step of the way. We’ll handle the mortgage application process with the lender and secure protection plans to give you complete peace of mind – ensuring you can stay in your home once you’ve moved in.

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From application to completion, we’ll work tirelessly with lenders, solicitors, and providers to keep your case progressing smoothly and efficiently. Our goal is to take the stress off your shoulders, managing everything so that when the time comes, your keys are in your hands and all the details are perfectly aligned.

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Case Studies

Real People. Real Results.

We don’t just find mortgages. We find solutions. Here’s how we’ve helped people in situations just like yours.

First Time Buyers

How We Helped a Family on a Tier Two Visa Buy Their First Home With a 5% Deposit

Turned away by multiple lenders. Three children, a visa, and a deposit from India. We found the right door.

5%

Deposit – the minimum threshold

120+

Lenders in our network

FIRST TIME BUYERS

How We Helped a Self-Employed First-Time Buyer Get the Keys to Their Family Home

A real story about navigating the mortgage market when the odds feel stacked against you.

100+

Lenders searched

12,000+

Mortgage products accessed

Meet the team

Your Friendly Founders

Whether you’re a first-time buyer in Bristol eager to make the most of your new purchase or seeking peace of mind for your family’s future, we’re dedicated to guiding you every step of the way.

Dan Collins

Mortgage Advisor

Gemma White

Protection Advisor

Understanding the Mortgage Process

Step 1

Agreement in Principle (AIP)

Before you start booking viewings, it’s best practice to get an AIP, also known as a Decision in Principle (DIP). This is a lender’s indication that they’d be willing to lend to you in principle, demonstrating to sellers and estate agents that you’re a serious buyer.

Step 2

The Formal Application

Once your offer is accepted, it’s time to make things official. Your lender will then conduct an analysis of your finances. You’ll need to have your payslips, bank statements, and proof of deposit ready for review.

Step 3

Valuation & Underwriting

While the lender’s underwriters are double-checking your paperwork, they’ll also send a surveyor to the property. This is to make sure the house is actually worth the price you’re paying.

Step 4

The Mortgage Offer

If everything aligns, you’ll receive your formal mortgage offer. This is the legal contract that locks in your interest rate and monthly payments. Keep this safe, as your solicitor will need it to move forward.

Step 5

Exchange & Completion

Your solicitor handles the legal transfer of ownership (conveyancing). Once contracts are exchanged, the sale becomes legally binding. Completion usually follows shortly after, when the funds are released and you receive the keys to your new home.

Your Local Bristol Mortgage Advisors

We understand how difficult the mortgage market is, and that’s why we’re here to help you every step of the way. If you’re after a quick answer or would like to discuss your long-term property goals, our Bristol-based team is always here to help. You can reach out to us via phone or email, or visit our Henleaze office for a scheduled face-to-face consultation.

Testimonals

What Our Clients Say About Us

Our clients’ testimonials reflect our commitment to providing exceptional service and personalised solutions.

Dan has been extremely professional with great communication. He has a special ability to deal with the more challenging issues in the world of mortgaging. He has delivered on two occasions for me now and I would certainly recommend The Mortgaged Bristol Limited.

A very positive experience with TheMortgaged. Dan Collins provided excellent advice and support throughout the whole process. He takes the time to ensure you get the best possible outcome, a fantastic service! I would thoroughly recommend this mortgage company, especially to first time buyers.

Dan at TheMortgaged sorted our mortgage for us. He is a really good communicator, professional and punctual and will work to get you the best offers available on the market. I would highly recommend.

Dan was incredibly helpful from start to finish. He was readily available and kept me in the loop throughout - I found he'd emailed me before I even had a chance to check in with him, making it a stress free process!

I had a great service. Dan was really responsive to all my worries and concerns and it was great to have him at the end of the phone through this process. I'd really recommend them to anyone looking for a mortgage.

Dan has been very professional and dealt with my request promptly. I have no hesitation in recommending him to anyone who needs Mortgage advice.

Dan was incredibly helpful helping choose and secure my mortgage, and Gemma was brilliant on advising on insurance. As a first time buyer, their help was invaluable

Great service from Dan and Gemma in helping us with our mortgage application and protection. As first time buyers this was all very daunting to us at first, but they were both incredibly helpful and supportive in the process and provided good advice on the best options available to us. The application process went very smoothly thanks to their help.

Couldn't recommend Dan highly enough! Helped me buy my first home and made it so easy! Got me a great deal and answered all of my many many questions. Have already passed his details to my friends and I would not go anywhere else in the future for my mortgage needs. Thank you again!

I had an incredibly positive experience with Mortgaged while they handled my recent remortgage. Every aspect of the process was managed with the utmost efficiency and in a timely manner. Dan proved to be exceptionally informative and knowledgeable about the industry, demonstrating a genuine willingness to go above and beyond to assist me. Moving forward, I won't consider any other option for my mortgage needs!

Dan was amazing from beginning to end through a process that was not always straight forward. Would definitely recommend. Thank you!

Both Dan and Gemma have been incredibly helpful throughout the whole process, it could not have been any smoother! No questions left unanswered, and a great customer service overall. Thanks again!

Dan was nothing short of outstanding. Always on hand for any needs that we had and secured us the very best deal with minimal hassle. 100% recommend. Five stars.

Dan worked tirelessly to get our mortgage approved, calling the lender everyday when they were dragging their feet. We recommend him highly!

Very professional and prompt. Thank you!

Highly recommend Dan and Gemma who helped us find a mortgage and insurances, even considering some tricky situations in our lives. Thank you both!

Dan was great from start to finish. He really took his time explaining everything to us as first time buyers and ensuring we had to right mortgage to suit our priorities. He went above and beyond in a number of ways that has materialised for us over the past couple of weeks. We couldn’t thank him enough!

Francesca Toft

Every team member at Mortgaged have been an absolute pleasure to deal with and have helped me and my partner an incredible amount during this whole process! We would 100% recommend Dan and his team to anyone looking for a trustworthy, experienced and reliable mortgage company. Thanks very much!

Jordaine Minchin

Dan has been amazing from start to finish in one of the most stressful purchases! He offered support, advice and recommendations, and after seeing our credit report helped us clear a couple of issues we didn’t notice previously also. After my buyer pulled out, Dan worked some kind of magic to find us a BTL mortgage and increase our onward purchase mortgage - all within about 2 days so we didn’t lose the house! Dans been great liaising with our estate agents and keeping us in loop - all whilst keeping my anxiety in mind and only coming back to me with good news and solutions. Would highly recommend Dan for a really personalised service. Really felt like he had my back the whole time and was as invested in the purchase as we were. We also spoke with Gemma to discuss life insurance. She also took a real interest in us and helped us find the best possible solutions within our agreed budget. She wasn’t pushy, and offered support and guidance, even filling in lots of the long-winded paperwork on her side so that we didn’t have that stress. Again, Gemma was great help in getting an extra product/offer for the newly needed BTL mortgage. Would definitely recommend Gemma to help you get the best cover for your money.

Mel Pradalie

I would highly recommend The Mortgaged, they are brilliant. Dan was extremely knowledgeable and provided guidance every step of the way. We had a very stressful experience when our sale fell through, Dan went above and beyond with his support and guidance, we were able finally get into a house 2 months after putting an offer in, just in time for Christmas!! Gemma was also very knowledgeable and took the time to get to know us in order to provide cover that would best suit our needs. She was there to answer any questions we had and was very quick to respond. I can’t recommend them enough! I look forward to speaking with them again when we come to remortgage in a few years!

Dave Cox

I worked with Dan on two concurrent mortgages in quite a tricky set of circumstances. Throughout, Dan showed himself to be a true expert in his field. On top of that, he was calm, a pleasure to speak with and always went the extra mile.

Candice Sullivan

Dan is the man. The mortgage man. He is our guy for all things mortgage related. And although we know he isn't just our guy, we share him with many other happy clients, he really did make us feel like renewing our mortgage was his top priority. We tested his patience with many nervous questions by phone and email when we didn't understand the process and he was quick to put us at ease with his knowledgable email responses and returned calls. His friendly calls and professional emails made us feel like he was always there for us when we needed him. Gemma guided us through switching to a life insurance provider which better suited our lifestyles and needs. She asked all the right questions to get to know us better and then put together easy to understand options for us to choose from. She too was friendly and professional, an absolute delight throughout the whole process. Trusting Dan & Gemma from The Mortgaged with our original mortgage then and our mortgage renewal and life insurance now is what we do for peace of mind and we can't recommend them enough. Thank you for all your support Dan and Gemma, we really appreciate you both! Justin and Candice Sullivan x

Rachael Lee

I can’t recommend Gemma highly enough. She’s friendly, patient, and her professional guidance has been exceptional. With my husband working offshore, we thought we’d struggle to find suitable cover without it costing a fortune. The world of insurance and mortgage protection usually gives us a headache, but Gemma took all the stress away. She talked us through every option and found the best cover to suit our personal circumstances.

Chris Wilson

These guys helped me get a mortgage during the most stressful time of my life. They were not only incredibly professional and efficient they were also amazing humans who i felt understood how stressful getting a mortgage can be and were always there with support. I could not recommend these guys are higher.

Richard Annerson

Excellent service from start to finish. Nothing was ever too much trouble and helped me find a mortgage solution that was right for me and my family 🙂 thank you

Emma T

The Mortaged made buying our first home a breeze! Dan was amazing in supporting us through the mortgage process, and finding us the best deal (not just once, but twice - that’s how long the sale took!). My partner was using the Forces Help to Buy scheme which isn’t particularly well known, but Dan’s knowledge of this was great, often informing other parties in the process of how it works. Nothing was ever too much trouble and Dan truly went above and beyond! Gemma was great in finding us the right protection by taking time to get to know us and understand our needs. It’s not easy to plan for when the worst might happen, but Gemma discussed this sensitively and now our minds are at ease knowing we have the right protection. A huge thank you to Dan and Gemma for all their help, couldn’t recommend the Mortaged enough, 11/10 service!

Mutari Salihu

Dan is an Excellent Mortgage Advisor

Why us

we have a solution for everyone

For First Time Buyers

Buy-To-Let Mortgages

Niche Mortgages

Our experienced mortgage advisors can help if you’re new to the industry.

Plan Your Purchase with Our Interactive Tools

We’ve built these tools to give you clarity on your financial options. Before you commit to a property, use our calculators to compare deals, estimate costs, and better understand your protection needs.