Mortgage Style

Mortgage Style, a Bristol brokerage built around residential and buy-to-let lending

Mortgage Style operates from Portbury, on the western edge of Bristol, and presents itself as a brokerage that handles both straightforward residential lending and more intricate borrowing scenarios. In its own introduction, the firm states it has been running for 18 years and employs 12 staff. Its stated method is to gather the client's circumstances, search the market across different lenders, check lending criteria and look for exclusive deals before returning a recommendation for the client to decide on.

The company describes its client base as spanning first-time buyers, property investors, self-employed applicants and cases it classifies as complex. It also works with landlords and with property developers, the latter through its sister firm Brunel Bridging.

Residential mortgage work

The residential side of the offering is organised around the main stages of moving or refinancing. The published range includes:

• Home mover mortgages and first-time buyer mortgages, including new build purchases.
• Joint mortgages with a parent, with a friend, and multi-person arrangements covering three and four applicants.
• Remortgages, including buy to let remortgages.
• Agreement in Principle support and guidance for applicants whose mortgage has been declined.

Buy to let, HMO and landlord finance

For landlords, Mortgage Style lists a broad set of buy-to-let products: standard buy to let mortgages, buy to let flat mortgages, first-time landlord options with a 15% deposit, top slicing, let to buy and multi-person mortgages. It also covers HMO lending specifically, including the process of changing a buy to let property to an HMO, and combines buy to let property and management in its material. The firm frames this area as support both for those buying to let now and for those planning a portfolio over time.

Self-employed, company directors and adverse credit

Applicants without conventional payslips are addressed through dedicated pages for self-employed borrowers and limited company directors, including the use of retained profits to support a mortgage application. On the credit side, the site covers bad credit mortgages, bad credit mortgages with defaults and bad credit joint mortgages.

Bridging finance and property development

Short-term and project lending is handled through Brunel Bridging, described as a sister firm that gives clients access to bridging loans, development finance and commercial mortgages. The listed bridging topics include auction bridging finance, chain break bridging, regulated bridging loans and buying a property at auction. Brunel Bridging has been granted the broker assurance certificate from the NACFB, according to the company. Mortgage Style also states it is an associate member of the Federation of Master Builders and works with that organisation's members on their own and their clients' projects.

Protection and additional services

Alongside mortgages, the firm offers protection advice covering mortgage protection, income protection, life cover and critical illness cover. It also states that it shares its expertise with companies in the financial and property sectors, with those services available exclusively through third-party referrals.

Fees, regulation and client feedback

The site indicates that a fee may be payable once an application progresses, with an average fee of around £200 and a stated maximum of £595 for bridging loans or adverse credit mortgages. Mortgage Style Ltd is registered in England and Wales under company number 5743648 and is an appointed representative of H L Partnership Limited, authorised and regulated by the Financial Conduct Authority. The company notes that the FCA does not regulate commercial mortgages, some forms of buy to let mortgage and some forms of bridging finance, and that its guidance is aimed primarily at UK consumers.

The firm reports working to defined service level agreements and states that a share of its completed mortgages in 2023 came from returning clients. It also cites a five-star rating across Google and other platforms based on more than 500 reviews, and describes its team as bringing a combined experience measured in decades.