Chartwell Funding

Chartwell Funding, mortgage and insurance advice in Bristol

Chartwell Funding is a financial advice firm based in Bristol specialising in property finance and insurance protection. Founded in 2007, it works with over 90 mortgage lenders, including specialist lenders that do not operate in the conventional banking circuit, and channels more than £300 million annually in funding for its clients. The company states it has over 350 five-star reviews and a combined in-house experience of more than 185 years in the sector.

Financing for home purchase and remortgaging

The main service is mortgage brokerage. The firm advises first-time buyers, those moving home and homeowners who need to remortgage their existing mortgage or increase the borrowed capital. It also serves clients with impaired credit history, for whom it seeks solutions tailored to their situation, and offers second charge mortgages — secured loans against the home — for renovations, debt consolidation or access to liquidity.

Property investment and bridging finance

For investors, Chartwell Funding manages buy-to-let purchases, both for those acquiring their first property and for those expanding an existing portfolio or needing to remortgage an investment mortgage. The firm also offers bridging finance, a temporary solution it presents as fast, flexible and reliable for transactions requiring immediate liquidity, such as buying properties at auction.

Personal protection and home insurance

In the insurance field, the company works with the whole market to advise on protection against premature death, critical illness and loss of income due to accident or illness, as well as buildings and contents insurance. Chartwell Funding indicates that it only recommends cover with a Defaqto five-star rating, selected from those available in the market, and that it tailors solutions to each client's circumstances and objectives.

Borrowing capacity calculator and advice process

The website includes an indicative calculator that estimates the amount a client could borrow based on the deposit, their own income and their partner's income, and shows the affordable property value and the resulting loan-to-value ratio. The firm warns that this is an estimate based on typical bank criteria and that the result may vary depending on credit history and employment situation. Initial contact is made via a form or a call-back request, and existing clients have a private area to manage their file.

Advice costs

According to published information, mortgage advice may involve a fee of up to 1% of the amount, with a typical fee of £299, variable depending on each client's circumstances.

Structure and regulation

Chartwell Funding Limited is authorised and regulated by the Financial Conduct Authority (FCA) under reference number 458223, and is registered in England with number 05875291. Its registered office is in Bristol.

Location and contact

5 Badminton Court, Station Road, Yate, Bristol BS37 5HZ