Business Details
31 Years
experience
Your Trusted Mortgage Broker in Bristol
Established in 1995, we provide tailored mortgage advice to clients across the UK. Our team combines decades of industry experience with a commitment to understanding individual client needs, offering access to a wide range of mortgage products and specialist schemes. As an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority, we maintain rigorous professional standards. Our Bristol-based team prioritises clear communication, leveraging extensive industry contacts built over 31 years. We specialise in first-time buyer mortgages, buy-to-let financing, equity release solutions, and remortgaging strategies.Our Ce-Map qualified advisers deliver comprehensive support for property purchases, investment portfolios, and debt restructuring. Client testimonials highlight our efficient processes, transparent fee structure (ranging 195-595), and exceptional customer service. We utilise advanced mortgage calculators to help clients understand financial commitments. Our team includes specialists in protection insurance and mortgage administration, ensuring holistic financial planning support. We maintain strict compliance with UK regulatory requirements while providing accessible, jargon-free advice.
Services
Fixed Rate Mortgages
Tracker Mortgages
Discount Mortgages
First Time Buyer Mortgages
Buy to Let Mortgages
Equity Release Mortgages
Offset Mortgages
Protection Insurance
Details
- Year established: 1995
Highlights and features
- 31 years of mortgage industry experience since 1995
- Personalised advice from FCA-regulated professionals
- Access to exclusive mortgage schemes and specialist products
- Transparent fee structure with clear communication
- Award-winning customer service with 5-star client testimonials
Associations and certifications
- Financial Conduct Authority
What people say
Lovely people
Very patient
Efficient communication
Fantastic experience
Knowledgeable team
Services
Fixed Rate Mortgages
Fixed rate mortgages provide consistent interest rates for set periods, ensuring predictable monthly repayments. Ideal for budget-conscious borrowers, these mortgages protect against market fluctuations. Our specialists help clients select optimal fixed-term durations matching their financial plans.
Equity Release Mortgages
Equity release mortgages enable homeowners aged 55+ to access property equity as lump sums or instalments. We offer tailored solutions for debt repayment or lifestyle enhancement while maintaining residency rights. Our advisers ensure clients understand lifetime implications and tax considerations.
Buy to Let Mortgages
Buy to let mortgages facilitate property investment through competitive financing options. We specialise in tax-efficient structures for individual and limited company ownership. Our team assesses rental income potential against lending criteria to secure optimal investment terms.
First Time Buyer Mortgages
First time buyer mortgages offer discounted rates and reduced fees for property market newcomers. We guide clients through government schemes and deposit requirements. Our support extends to affordability assessments and long-term repayment planning.
Remortgaging Services
Remortgaging services help clients secure better rates or release equity from existing properties. We analyse current deals against market alternatives to optimise financial outcomes. Our process includes penalty calculations and seamless transition management.
People
Steve Mears
Director & Founder
Established the business in 1995 after banking and estate agency experience. With 31 years in mortgages, he specialises in industry networking and client relationship management. Balances family life with motorcycle enthusiasm.
Charlie Brown
Senior Mortgage Adviser
Joined in 2014 with prior experience at Lloyds and Legal & General. Specialises in mortgage and protection solutions. Combines outdoor pursuits passion with family commitments while delivering expert financial advice.
Chloe Mills
Mortgage Adviser
Qualified adviser since 2016 with psychology background. Specialises in mortgage solutions and protection insurance. Balances cake decoration hobby with family time while supporting clients' financial goals.
Lisa Mills
Supervisor
Team leader since 2012 with extensive mortgage administration experience. Manages daily operations while balancing family commitments. Specialises in team coordination and client service standards maintenance.
Andy Maclean
Mortgage Administrator
Joined in 2019 with lettings background. Pursuing Ce-MAP qualifications for advisory role progression. Combines NFL enthusiasm with family life while supporting mortgage processing and client communications.
Questions
What mortgage types do you offer?
We provide fixed rate, tracker, discount, first-time buyer, buy-to-let, equity release, and offset mortgages tailored to individual circumstances.
How much are your mortgage advice fees?
Fees range from £195 to £595 depending on complexity, discussed and agreed upfront before any advisory services commence.
Are you regulated by financial authorities?
Yes, we operate under HL Partnership Limited's FCA authorisation (reference number 115258), ensuring compliance with strict regulatory standards.
Can you help with equity release?
We specialise in equity release solutions for clients aged 55+, offering tailored advice on releasing property equity while maintaining residency rights.
Reviews (7)
Joseph Thompson
May 22, 2022
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Steve Mears along with the team have arranged a number of mortgages for us to date and they never fail to deliver with their service. I would highly recommend them! The whole team are lovely and will go out of their way to assist, thank you especially to Lee who helped us most recently. Joe and Alys
Charlotte Morris
May 15, 2022
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I have been using Steve Mears Mortgage Brokers for years and they have helped me navigate several tricky circumstances successfully, with minimal fuss and complete efficiency. I wouldn't go anywhere else.
Honor Sm
Feb 24, 2022
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Lee & Kayleigh from Steve Mears were fab at helping us get a mortgage sorted. Good communication throughout & really thorough. Thank you so much!
Nick Hillier
Feb 11, 2022
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We deal with Lee Sutton and he has been able to give us excellent advice and been very patient with us. We have been dealing with Lee for a number of years now and we have recommended him on a couple of occasions to friends. I genuinely believe he has our best interests at heart and has always given us good advice.
Caroline Sparks
Feb 01, 2022
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We have used Steve Mears and his team for mortgages since I bought my first property 25 years ago. Most recently we've used them for mortgages to purchase buy to let properties in our personal names and as a limited company. I can't recommend them highly enough in terms of communication, cost and expertise; and knowledge of the market and mortgage deals available.
Nazli Karimi
Jan 14, 2022
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The best Mortgage Advisors you want by your side when purchasing a house. Our case was complicated but Lee, Chloe and Kayleigh helped us understand the issues and worked with us to secure a mortgage for us. They are very honest, work very quick and are ALWAYS very responsive. Thanks to everyone at Steve Mears! We would recommend this company to everyone! Brilliant service! Thanks again!
Sally Jupp
Jan 13, 2022
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This is the second time I have used Steve Mears for my remortgage and once again the standard of service was top class. Kayleigh and Lee's response times were impressive and their focus throughout was on getting me the best product despite the additional work this created for them as the market shifted. I would recommend the team to anyone wanting a professional outfit offering a high level of customer service.
