About Us

Expert, Independent, Whole of Market 
Mortgage Brokers based in Bristol

Independent Mortgage Brokers

Bristol Mortgages Online is an independent, whole of market, mortgage broker. Bristol Mortgages Online provides expert independent mortgage advice for everyone from first time buyers and for those looking to remortgage, through to experienced buy to let landlords and businesses looking to fund commercial properties. We offer expert independent mortgage advice with a personal touch, with over 25 years’ experience and the majority our clients staying with us for all their house purchases. As an independent mortgage broker we can research the best possible mortgage to meet your specific needs and ensure you receive the very best deal, best rate and terms.
Your first step will be to contact us for more information about an initial no obligation consultation and a free appointment. We can then assess the best mortgage options available for you and make our recommendations. You can contact us by filling in our online application form, request an appointment or call the number above. 

Using Bristol Mortgages Online saves you the legwork

We have regular contact with a wide variety of lenders, some of whom you may not even know about. The alternative to working with us is to call up dozens of lenders and compare their mortgage terms and rates on your own. We save you the time and headache of having to do that as we have access to daily updated software sourcing all the lenders rates. Using our expert knowledge of the whole market, we can also steer you away from certain lenders with onerous payment terms buried in their mortgage small print. 

We hold your hand through to completion 

We have a team of expert support and administration staff who will process your application, progress your offer and chase any queries and are there to also pre-empt any problems before they arise. We work with you, your Estate Agents and Solicitors, to make the process as smooth as possible. This saves hours of your time waiting on calls and chasing a wide circle of people during office hours. 

What our clients pay for our services? 

Our typical fees for UK residential and buy to let mortgage advice is £490. Initially £195 will be payable on submission of your application to the lender and the balance of £295 will be due within 14 days of you receiving the mortgage offer. If the mortgage completes, we will also receive any commission payable from the lender. Fees for Expat Mortgages and Equity Release products will vary.

We give you more choice

We search the whole market for the best product for you, as we are not tied to a specific lender. Some lenders work exclusively with mortgage brokers and rely on them to be the gatekeepers to bring them suitable clients. You may not be able to contact some lenders directly. 

You may save some fees

Due to our high volume of business, we have access to ancillary services at a discounted rate. For example, we have access to a panel of reputable solicitors for you to choose from at discounted rates.

Please click here to download our The Benefits of Choosing Bristol Mortgages Online to be Your Mortgage Broker leaflet.

Click here for Useful Information, Free Guides & Downloads

Meet the Team

Phillip Clark 
MLIA (d.i.p) CeMap

Managing Director 
SW Mortgages Group

Phil has over 25 years’ experience as a Mortgage Broker. Phil is married with two teenage daughters and has lived in Bristol for most of his life. Phil also has extensive knowledge of the Spanish property market and helping ex-pats with mortgages. His leisure time is spent with family and friends and he is a keen swimmer and keeps fit in the gym. Phil is well-known in Bristol for his excellent customer service when dealing with both property and finance.

Paul Kelly 
CeMap , CeRGI 
Senior Mortgage Advisor 
Bristol Mortgages Online

Paul Kelly has been our Senior Mortgage Advisor since 2014 and has been in the financial services industry for over 25 years. Paul is married with a daughter and has an excellent knowledge of the Bristol Market for both residential and investment. 
Our clients really appreciate his expertise and knowledge and this is reflected in the high number of Google and Facebook 5-star reviews he receives!
In his spare time Paul enjoys time with his family and is a long-suffering QPR fan.

Jon Ley
Cert CII (MP) (ER), CeMap Mortgage Advisor
Bristol Mortgages Online

Jon has now joined us on a full-time basis, based at Henleaze House, as a fully qualified Mortgage Adviser, having been with us for three years in a support role.
Jon has a young son who keeps him very busy. Jon is a keen runner and has taken part in numerous long distance events including the London and New York City marathons and also enjoys playing guitar in local bands. 

Christopher Seward 
BSc (Hons), DipPFS, Certs CII (MP & ER)
Director & Lead Adviser
Bath Mortgages Online

Chris joined us in February 2017 as a Director and Lead Adviser for our new business Bath Mortgages Online. After gaining a BSc (Hons) at Chichester University, in 2000 Chris started working in the Financial Services sector. Chris has an extensive knowledge of the residential and buy to let markets as well as specialising in Equity release advice. Chris is married with one son and has lived in Bath all his life. In his spare time, he enjoys cooking, socialising with friends and spending time with his family.

Kamila Tygielska
BSc (Hons) CeMap Senior Mortgage Administrator/Office Manager

Kamila joined us in the summer of 2015 as an Administrator and Office Manager. Originally from Poland, Kamila came to the UK in 2008 and studied at the University of the West of England for a BSc in Real Estate (Valuation and Management) where she gained a First. She has recently qualified after successfully passing her CeMap exams. Kamila’s hobbies include reading books, shopping, watching sports, running and going to “step” classes at the gym.

George Gibson
BA (Hons) 
Mortgage Processor

George joined us January 2016. Having left England to live in Spain at age of 2, when his parents moved abroad to pursue their careers, George returned to the UK to go to university in 2011. George achieved a BA Hons in History with Economics from the University of Hull and is currently studying for his CeMap qualifications. George is a huge football fan and enjoys playing a wide variety of sports, including tennis and golf. His other hobbies include playing the bass and electric guitar, and he is also a lover of board games.

Caz Blake-Symes
Group Marketing & Operations Manager

Caz manages all the operational and marketing aspects of our business. Caz has been a Business Development and Marketing Consultant for the past 16 years, and uses her experience to develop the business and works closely with Phil and the team. Caz is married and has one son and has always lived in Bristol, based in Portishead. She enjoys working with several local charities and socialising.  

Jane Tutton
Group Protection Support

Jane has worked in the industry for nearly thirty years spending the majority of this time at Nat West. Jane supports the process of application with a great deal of knowledge, care and understanding. We are delighted to have such an experienced colleague in our team. Jane is a local person who enjoys daily sport whether this be running, swimming or even supporting her local football team! She even enjoys the occasional sprint triathlon!
For Whole of Market Brokers in Bristol
Call 0117 325 1511

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