Business Details
31 Years
experience
Your Trusted Mortgage Broker in Bristol
Established in 1995, we provide tailored mortgage advisory services to clients across the UK. Our team of experienced professionals specialises in sourcing suitable mortgage solutions for first-time buyers, home movers, buy-to-let investors and those seeking equity release. With access to a comprehensive range of mortgage products and specialist schemes unavailable through high-street banks, we combine industry expertise with personalised service. Our Bristol-based team prioritises understanding individual client circumstances to simplify what can often be a complex process. Holding authorisation through the Financial Conduct Authority, we maintain rigorous professional standards while delivering transparent advice and competitive fee structures ranging from 195 to 595.Our industry connections, developed over three decades, enable us to offer unique insights into market opportunities. We demonstrate expertise through our Ce-Map qualified advisers and continuous professional development initiatives. As a locally rooted business with national reach, we build trust through clear communication, documented processes and client-centric support that extends beyond transactional relationships.
Services
Mortgages
Equity Release
Insurance Services
Mortgage Calculator
Fixed Rate Mortgages
Tracker Mortgages
Discount Mortgages
First Time Buyer Mortgages
Buy to Let Mortgages
Offset Mortgages
Details
- Year established: 1995
Highlights and features
- Established in 1995 with 31 years of industry experience
- Access to exclusive mortgage schemes unavailable through banks
- Personalised service tailored to individual circumstances
- Ce-Map qualified advisers maintaining professional standards
- Transparent fee structure with documented processes
Associations and certifications
- Financial Conduct Authority
What people say
Very patient
Efficient communication
Smooth process
Knowledgeable team
Stress-free experience
Services
Mortgages
We provide comprehensive mortgage advisory services covering residential, buy-to-let and specialist schemes. Our advisers access exclusive products unavailable through banks to match client circumstances. With transparent fee structures and Ce-Map qualified professionals, we simplify the mortgage process through personalised guidance and market expertise.
Equity Release
Specialist equity release solutions enable homeowners aged 55+ to unlock property value. We advise on regulated schemes meeting FCA standards, ensuring clear understanding of implications. Our process balances client needs with responsible lending practices while maintaining competitive pricing structures.
Insurance Services
Integrated insurance solutions protect mortgage investments through tailored life and protection policies. Our advisers assess individual requirements to recommend appropriate coverage levels. We source competitive market rates while explaining policy terms and conditions in plain language.
Mortgage Calculator
Interactive online tools help estimate borrowing capacity and repayment amounts. The calculator considers interest rates, loan terms and individual financial circumstances. Users gain preliminary insights before formal advice, supporting informed decision-making during their mortgage journey.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice covers individual and limited company structures. We explain tax efficiency considerations and rental income requirements. Our market access includes schemes designed for property investors seeking competitive rates and flexible terms.
People
Steve Mears
Director & Founder
Established the business in 1995 after banking and estate agency experience. With 31 years industry expertise, he specialises in mortgage solutions while managing team operations. Family-oriented with three daughters and motorcycle enthusiast.
Charlie Brown
Senior Mortgage Adviser
Joined in 2014 with background at Lloyds and Legal & General. Specialises in mortgages and protection, combining technical knowledge with outdoor pursuits perspective. Provides expert advice while maintaining work-life balance.
Chloe Mills
Mortgage Adviser
Joined from university in 2016, achieving Ce-Map qualification. Combines psychology background with mortgage expertise to explain complex products clearly. Active in community engagement and family-oriented activities.
Lisa Mills
Supervisor
Team leader since 2012, balancing supervisory responsibilities with grandmotherhood. Ensures operational efficiency while maintaining arts and crafts interests during rare downtime periods.
Andy Maclean
Mortgage Administrator
Joined in 2019 with lettings background. Pursuing Ce-Map qualifications while managing administrative processes. Enjoys NFL and outdoor family activities in Somerset residence.
Questions
What mortgage types do you specialise in?
We handle residential, buy-to-let, first-time buyer, fixed-rate, tracker, discount and equity release mortgages with access to exclusive schemes.
How much can I borrow?
Use our online mortgage calculator to estimate borrowing capacity based on income, outgoings and property value considerations.
Do you help first-time buyers?
Yes, we specialise in first-time buyer mortgages including schemes with fee discounts and tailored affordability assessments.
What fees apply?
Mortgage advice fees range from £195 to £595, discussed transparently at initial consultation with no hidden charges.
Are you FCA regulated?
Yes, we operate as appointed representatives of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority.
Reviews (7)
Honor Sm
Jan 27, 2022
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Positive:Professionalism,Quality,Responsiveness,Value
Lee & Kayleigh from Steve Mears were fab at helping us get a mortgage sorted. Good communication throughout & really thorough. Thank you so much!
Lee & Kayleigh from Steve Mears were fab at helping us get a mortgage sorted. Good communication throughout & really thorough. Thank you so much!
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 06, 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.
Rhys Balcombe Uk
Dec 31, 2021
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I've now used this firm twice to secure mortgages, after a referral from a friend in 2016. The service is professional and personable from Steve and the team - they cut through the complex issues and deliver a slick and simple service that left me very happy on both occasions. Thoroughly recommend.
Kate Newton
Dec 31, 2021
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I have used Steve Mears for 3 different mortgage applications now, they are fantastic.
Friendly, understanding and professional. I have recommended them to my friends and family and would highly recommend them to anybody who were to ask me.
Friendly, understanding and professional. I have recommended them to my friends and family and would highly recommend them to anybody who were to ask me.
Tony Rodriguez
Nov 23, 2021
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I was badly let down by a firm in Clifton so thought I'd give Steve Mears a try after a recommendation from my letting agent. I've now had two remortgages for BTLs with this firm and the experience was very positive. Good advice and communication has always been very good.
Hannah Blackman
Oct 09, 2021
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I would highly recommend Paul Snook at Steve Mears Mortgage Advisors. Pauls advice over the past months has been invaluable in helping me to navigate the world of mortgages so I could be confident in my flat purchase. His responses to my queries were always prompt, clear and supportive.
