Helping You Make Confident Choices About Your Mortgage and Protection Insurance in Bristol
Buying a home or arranging protection insurance can feel overwhelming, especially when you’re faced with so many options, rates, and confusing terms. You want the right advice, not a sales pitch. You want someone who takes the time to understand your circumstances, your goals, and what’s realistically achievable for you.
This is exactly where Evermore Mortgage Brokers comes in. Based in Bristol, Evermore are expert mortgage and protection specialists. This means you aren’t limited to a single bank or lender’s products. Instead, you gain access to a wide range of mortgage options and protection plans across the market, all tailored around your personal situation.
Having someone explain everything clearly is crucial when making one of the biggest financial commitments of your life. Evermore’s advisers take the time to guide you step-by-step, using straightforward language so you always understand what’s happening and what your options are. Whether you’re buying your first home, investing in property, or protecting your income and family, they help you make confident, informed choices.
Choosing a local, independent broker also means you benefit from Bristol-specific knowledge. Property values, lender criteria, and available schemes can vary, and Evermore’s experience in the local market helps ensure you’re not missing opportunities others might overlook.
At Evermore Mortgage Brokers, our goal is to help you make informed decisions about your mortgage and protection needs with clarity and confidence. To start your journey to securing your home and your future, call us today on 01454 583 600, 07877 270 706, email us, or use our contact us form.
Why It Matters Who You Choose to Guide You
When it comes to arranging a mortgage or protection insurance, the advice you receive can make a huge difference to your financial future. Every year, hundreds of thousands of consumers finance the purchase of their homes with a mortgage or refinance existing mortgages. Mortgage debt accounts for over 80% of total UK household liabilities, so choosing a mortgage is an important financial decision, but it can be difficult to get right. (source: https://www.fca.org.uk/publication/market-studies/ms16-2-3-final-report.pdf).
Many people begin by speaking directly to their bank or searching comparison websites, but these options only show a limited view of what is available. A bank adviser is limited to recommending their products, and online tools frequently overlook crucial details like eligibility criteria or the fine print that could impact your approval chances.
Choosing a whole-of-market broker means you have access to a much broader range of lenders and products. This increases the likelihood of finding the right fit for your needs, whether that is a lower interest rate, flexible repayment terms, or specialist support if you are self-employed. At Evermore Mortgage Brokers, we are not tied to any one provider, so the advice you receive is based entirely on what is best for you.
What sets Evermore apart is our personal approach. We take the time to understand your goals, not just your financial data. Whether you are aiming to buy your first home, expand your property portfolio, or review your existing mortgage, our advice is built around what matters most to you. We use plain English, explain every stage clearly, and ensure you never feel rushed into making a decision.
As local experts in Bristol and South Gloucestershire, Evermore also understands the area’s housing market, typical property values, and the challenges first-time buyers face. This insight helps you navigate the process with confidence and gives you a stronger position when it comes to securing the right mortgage deal.
At Evermore Mortgage Brokers, our independent mortgage and protection insurance advice gives you choice, clarity, and confidence from the very beginning. For friendly, whole-of-market guidance you can trust, call us today on 01454 583 600.
First-Time Buyer Mortgages in Bristol
Buying your first home is exciting, but it can also feel confusing when you’re faced with so many choices and unfamiliar terms. You might be asking how much deposit you need, what a mortgage in principle is, or whether you’ll even qualify. Having the right support is crucial, particularly when making such a significant financial decision.
If you are a first-time buyer in Bristol, a whole-of-market broker like the team at Evermore Mortgage Brokers can help you take the guesswork out of the process. We review your circumstances, help you understand how much you can borrow, and guide you through each stage of your application from start to finish. Because we work with a wide range of lenders, you’ll have access to mortgage options that suit your situation, not just what one bank can offer.
Evermore helps you understand key terms and processes, such as loan-to-value ratios, affordability checks, credit scoring, and government schemes that could make buying your first home more achievable. We’ll help you prepare your documents, manage expectations, and make sure you know what to expect at every stage.
For first-time buyers in Bristol, this means more than simply finding a mortgage. It’s about finding someone who listens, explains clearly, and gives you confidence in your decisions. Whether you’re saving for a deposit or ready to make an offer, having professional guidance ensures you start your home-owning journey on the right path.
At Evermore Mortgage Brokers, our friendly advisers specialise in helping first-time buyers across Bristol and South Gloucestershire secure the right mortgage and protection insurance with ease and confidence. To take your first step towards owning your own home, call us today on 01454 583 600.
Remortgages: When, Why, and How to Get It Right
Remortgaging can be one of the simplest ways to reduce your monthly repayments or unlock money for home improvements, yet many homeowners leave it too late and end up paying more than they need to. When your fixed rate is coming to an end, your lender often moves you onto their standard variable rate, which is usually higher. By reviewing your options early, you can secure a new deal that saves you money and keeps your finances under control.
Evermore Mortgage Brokers can help you understand when a remortgage makes sense for your situation. According to the Financial Conduct Authority, loosening rules around remortgaging helps borrowers secure better deals at a time that suits them, making remortgaging a sensible option when your current deal is nearing its end or your circumstances have changed (Source: https://www.fca.org.uk/publication/policy/ps25-11.pdf)
Whether you want to release equity, shorten your mortgage term, or consolidate debt, we compare a wide range of lenders to find the most suitable options for you. Our whole-of-market access means you are not limited to one provider’s deals, and our advice is based purely on your best interest.
A remortgage is not just about switching rates. It’s about making sure your mortgage continues to fit your lifestyle, your goals, and your future plans. If you are staying in Bristol, moving within the area, or simply reviewing your finances, Evermore’s clear, personal guidance helps you make informed decisions that suit your circumstances.
With local insight into property values across Bristol and South Gloucestershire, Evermore can also help you understand how changes in your home’s value might influence your available options. This tailored advice ensures that every recommendation is grounded in real figures and current market trends.
At Evermore Mortgage Brokers, our qualified team helps you remortgage with confidence, making sure your deal continues to work for you. To review your current mortgage and protection insurance and explore better options, call us today on 01454 583 600.
Buy-to-Let Mortgages for Landlords
If you are planning to invest in property, choosing the right buy-to-let mortgage is essential. The buy-to-let market operates differently from residential mortgages, and understanding those differences early can help you make smarter, more profitable decisions. Whether you are buying your first rental property or expanding your portfolio, getting the right financial structure in place can have a significant impact on your long-term return.
A buy-to-let mortgage is typically based on the potential rental income rather than your personal salary. Lenders assess how much rent the property will generate compared to the monthly repayments. This means choosing a property with the right yield and at the right price is key to securing a buy-to-let mortgage approval and achieving sustainable profits. At Evermore Mortgage Brokers, we guide you through this process, helping you calculate affordability and understand what lenders are looking for.
With whole-market access, Evermore can compare products from a wide range of lenders, including those that specialise in buy-to-let mortgages for limited companies and portfolio landlords. This ensures you can explore options that match your individual goals, whether you are looking for interest-only repayments, fixed-rate stability, or flexibility to expand your property investments in the future.
As a Bristol-based broker, the Evermore team also understands the local rental landscape. From student lets in central Bristol to family homes in Thornbury or South Gloucestershire, their local knowledge helps you make informed investment choices that align with real rental demand.
At Evermore Mortgage Brokers, our tailored advice helps landlords secure the right buy-to-let mortgages to build profitable and sustainable property portfolios. For expert support with your next investment, call us today on 01454 583 600.
Self-Employed Mortgages: Getting Approved Without the Stress
If you are self-employed, you may have already discovered that securing a mortgage can be more complicated than it should be. Traditional lenders often struggle to assess your true income, especially if your earnings vary from month to month or if you are self-employed, and pay yourself through dividends. What you need is not a generic process but guidance from someone who understands how self-employed finances work and how to present them clearly to lenders.
Evermore Mortgage Brokers specialise in helping self-employed professionals, limited company directors, and freelancers find suitable mortgage options. They know which lenders are most flexible and what type of documentation will strengthen your application. By taking the time to understand your business and your income structure, Evermore ensures that your case is presented accurately, giving you a better chance of approval and access to more competitive deals.
Because Evermore are whole-of-market brokers, we are not restricted to a single bank or lender. This allows them to explore mortgage products that cater specifically to self-employed borrowers, including those who may only have one or two years of trading history. Their personal approach means you are guided every step of the way, from gathering accounts and tax documents to securing an agreement in principle.
Being self-employed should never be a barrier to home ownership. With the right preparation and the right broker on your side, you can confidently navigate the process and secure a mortgage that fits your income, your goals, and your future plans.
At Evermore Mortgage Brokers, our expertise helps self-employed clients across Bristol and South Gloucestershire secure mortgages and protection insurance that reflect their true financial position. To discuss your situation and explore your options, call us today on 01454 583 600.
Moving Home and Shared Ownership Mortgages
Moving home often comes with both excitement and pressure. You might be looking for more space, relocating for work, or simply ready for a change, but the financial side of moving can feel like a challenge. Understanding how to manage your existing mortgage, arrange a new one, and time everything correctly can make the whole process much smoother.
If you already have a mortgage, you may have the option to port it to your new property, keeping your current rate and terms. However, this isn’t always the best solution. Evermore Mortgage Brokers help you compare whether porting or switching to a new mortgage is the most cost-effective choice for your situation. Our whole-of-market access means we can assess a wide range of lenders and products to find the one that best matches your new circumstances.
For those exploring shared ownership, Evermore’s guidance can be invaluable. Shared ownership allows you to buy a share of a property and pay rent on the remaining portion, making it a practical option if a full purchase feels out of reach. Evermore can help you understand eligibility, deposits, and how the process works from start to finish. This clarity ensures that you know exactly what you are signing up for and how it will fit within your financial plans.
With local knowledge of the Bristol and South Gloucestershire housing market, Evermore can also advise on timing, valuations, and how to coordinate your sale and purchase to avoid unnecessary stress. Our support gives you confidence that everything is progressing as it should, so you can focus on the move itself rather than worrying about the details.
At Evermore Mortgage Brokers, our friendly advisers make moving home or arranging a shared ownership mortgage simple, clear, and stress-free. To plan your next move with expert guidance, call us today on 01454 583 600.
Low-Deposit Mortgages: Making Home Ownership Possible
Saving for a deposit can be one of the biggest challenges when buying a home. Many people assume they need a large amount of savings before they can even think about applying for a mortgage, but that is not always the case. Low-deposit mortgages can make owning a home more achievable, especially if you are a first-time buyer or have limited savings.
Evermore Mortgage Brokers help you explore options that allow you to buy a property with as little as a 5% deposit. We can guide you through government-backed schemes, guarantor mortgages, or specialist products from lenders who are open to supporting lower-deposit buyers. Our role is to assess your affordability, explain what each option means for your repayments, and ensure you understand the long-term impact before making a decision.
With whole-of-market access, Evermore can compare mortgage products from a wide range of lenders to find one that matches your budget and goals. Our personalised approach helps you move forward faster without feeling pressured into a deal that doesn’t suit your circumstances.
Local expertise is important for buyers in Bristol and South Gloucestershire, where property prices can vary significantly between locations. Evermore’s understanding of the local housing market helps you focus your search in areas where your deposit and borrowing power go further.
Our advisers are dedicated to helping you turn your home ownership goals into reality, even with a smaller deposit. To discuss your options and find a mortgage that fits your budget, call us today on 01454 583 600.
Protection Insurance: Protecting What Matters Most
Taking out a mortgage is a major financial commitment, and it is just as important to protect it as it is to secure it. Protection insurance gives you peace of mind that if something unexpected happens, you and your loved ones will still be financially secure. It is about more than protecting your home; it is about protecting your lifestyle, your family, and your future.
Evermore Mortgage Brokers offer a complete range of protection options to help you prepare for life’s uncertainties. Their advisers take time to understand your situation and recommend suitable cover that fits your priorities and your budget. We believe that good and trustworthy advice means helping you make informed choices, not selling unnecessary products.
Protection Insurance: Life Insurance
Life protection insurance ensures your mortgage or family expenses are covered if you pass away during the term of your policy. It helps those you care about most stay financially secure during an already difficult time. Evermore helps you calculate the right level of cover to ensure your loved ones are fully protected.
Protection Insurance: Critical Illness Cover
Critical illness cover pays out a lump sum if you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. This cover can help with treatment costs, home adjustments, or replacing lost income while you focus on recovery. Evermore’s advisers explain exactly what each policy includes so you can choose confidently.
Protection Insurance: Income Protection
If illness or injury stops you from working, income protection replaces part of your income so you can continue meeting your financial commitments. It is designed to give you breathing space when life becomes unpredictable. At Evermore, we guide you through different policy terms and benefit levels to match your circumstances.
Protection Insurance: Buildings and Contents Insurance
Your home is one of your most valuable assets. Buildings and contents insurance protects the structure of your property and your personal belongings against damage, theft, or loss. The Evermore team will help you find reliable coverage that offers both security and value for money.
Protecting your finances means protecting your peace of mind. With the right insurance in place, you can move forward knowing that your future is secure, whatever happens.
At Evermore Mortgage Brokers, our advisers help you choose the right protection insurance to safeguard your home, income, and family. To review your options and arrange cover that fits your needs, call us today on 01454 583 600.
Why Combining Mortgages and Protection Insurance Makes Financial Sense
When you arrange a mortgage, you are making a commitment that often lasts for many years. It makes sense to consider protection insurance at the same time, so your financial security is built into your long-term plan from the start. Managing both together helps ensure that your home, income, and loved ones are protected against unexpected events that could otherwise cause financial strain.
Evermore Mortgage Brokers help you look at the bigger picture. By reviewing your mortgage and protection needs together, we can recommend solutions that work in harmony with one another. This means your monthly commitments stay manageable, your cover matches your mortgage balance, and your family is safeguarded should the unexpected happen.
Combining mortgage advice with protection planning is also a more efficient way to manage your finances. It saves you time, reduces paperwork, and reassures you that every aspect of your financial plan has been carefully considered. With access to the whole market, Evermore can find both mortgage and insurance products that complement each other perfectly, ensuring you receive value and security without compromise.
Thinking about both areas together gives you more control and confidence. Whether you are buying your first home, moving house, or remortgaging, having your mortgage and protection aligned keeps your financial foundation strong for the years ahead.
At Evermore Mortgage Brokers, our advisers provide complete mortgage and protection insurance solutions designed to give you confidence in every decision you make. To create a financial plan that keeps your home and future secure, call us today on 01454 583 600.
Transparent Fees and Fair Advice
When you are arranging a mortgage or protection insurance, understanding the costs involved is essential. Transparent advice means knowing exactly what you are paying for and why, with no surprises later on. Evermore Mortgage Brokers believe in complete honesty from the very beginning, so you can make decisions with confidence and clarity.
Evermore’s fee structure is simple and fair. For residential mortgages, the advice fee is typically £349, and for buy-to-let or more complex cases, the fee is commonly £449. This covers the full advice process, from initial consultation through to application and completion. Because Evermore are independent and whole-of-market, the advice you receive is based entirely on your needs and circumstances, not on commission or incentives from lenders.
This transparent approach means you can trust that every recommendation is made in your best interest. You will always know what you are paying for, what the service includes, and how it benefits you. The aim is to make professional mortgage advice accessible, straightforward, and genuinely valuable.
Having a clear and honest fee structure gives you peace of mind that you are being looked after properly. Evermore’s clients appreciate knowing that their advice is independent, impartial, and designed to save both time and money in the long term.
At Evermore Mortgage Brokers, our straightforward fee structure and open communication ensure you always know where you stand and what to expect. To discuss your mortgage options with transparent, whole-of-market advice,
Local Knowledge and Flexible Appointments
When choosing a mortgage broker, you want more than access to the right lenders; you want someone who genuinely understands your local area and takes the time to provide a service built around you. Evermore Mortgage Brokers is based in Bristol, and we have a deep understanding of the property market across Bristol, Thornbury, and South Gloucestershire. This local insight helps you make well-informed decisions based on real trends, not national averages or assumptions.
Local knowledge matters. Property values, deposit requirements, and lender criteria can vary between postcodes. By working with us as a broker who understands your area, you gain practical advice that’s relevant to your situation. Whether you are buying a new build in Filton, a character home in Clifton, or an investment buy-to-let property in Yate, our advice is grounded in up-to-date local experience.
Just as importantly, Evermore believes in a human and flexible approach. They know your time is valuable, so appointments can be arranged around your schedule, including evenings and video calls. This flexibility means you can discuss your options wherever you are, without the pressure of fitting around office hours. Every conversation is personal, with clear explanations that make complex topics easy to understand.
Our commitment to clear communication and local expertise has earned Evermore a reputation for reliability and care. You will never be left wondering what happens next or chasing updates; our advisers will keep you informed from your first consultation through to completion.
At Evermore Mortgage Brokers, our local expertise and personal approach make arranging your mortgage or protection simple, flexible, and stress-free. To book an appointment that suits your schedule, call us today on 01454 583 600. 
How to Get Started With Evermore
Starting your mortgage journey is easier when you know exactly what to expect. The team at Evermore Mortgage Brokers makes the process simple and clear, guiding you from the first conversation to the moment your mortgage is completed. Every stage is handled with care and transparency, so you can feel confident knowing you are making informed choices.
Step 1 – Book Your Free Consultation
Begin by speaking with one of our experienced advisers who will take the time to understand your goals, whether you are buying, remortgaging, or investing. This is your opportunity to discuss your plans and ask any questions without pressure.
Step 2 – Review Your Finances and Goals
Your Evermore adviser will assess your income, outgoings, and credit profile to help determine how much you can borrow and what mortgage types may suit your situation.
Step 3 – Receive Tailored Recommendations
Using whole-of-market access, we will compare lenders and products to find options that align with your goals and budget. Each recommendation is explained clearly, so you know exactly why it fits your needs.
Step 4 – Application and Support
Once you are ready to proceed, we will manage the full application process, liaising with lenders and keeping you informed at every step. This ensures a smooth, stress-free experience.
Step 5 – Completion and Ongoing Guidance
After your mortgage is completed, Evermore continues to offer ongoing support and advice, reviewing it regularly to help you stay on track with your financial goals.
Choosing the right mortgage and protection insurance doesn’t need to be complicated. With expert guidance, local understanding, and ongoing support, you can make confident decisions that work for you both now and in the future.
At Evermore Mortgage Brokers, our clear step-by-step approach ensures your mortgage journey is simple, transparent, and fully supported. To start your application or book your consultation, call us today on 01454 583 600.
Why Evermore Mortgage Brokers Are Different
Choosing the right mortgage broker is about more than comparing interest rates; it’s about finding someone who genuinely understands your goals and provides guidance that feels personal, not transactional. At Evermore Mortgage Brokers, we take a people-first approach, focusing on what truly matters to you: clarity, trust, and support at every step.
Evermore’s independence means you benefit from advice that is free from lender bias. As a whole-of-market broker, we have access to an extensive range of lenders and products, ensuring that every recommendation is made with your best interest at heart. Their advice is clear, straightforward, and always centred around your long-term financial well-being.
What truly sets Evermore apart is our balance of professional expertise and human interaction. We listen carefully, explain every stage in plain language, and ensure you always understand your options before moving forward. Whether it’s your first home, your next investment, or a review of your existing mortgage, you’ll always feel supported and informed.
Local expertise is another key strength. Based in Bristol, Evermore understands the housing market, lender requirements, and the challenges that homebuyers in the region face. This insight allows them to give relevant, realistic advice that helps you make confident decisions.
Evermore’s service doesn’t end once your mortgage is approved. We continue to offer ongoing guidance, reviewing your mortgage when rates change or when your circumstances change. This long-term support means you always have someone you can trust, ready to help you make the best financial choices.
At Evermore Mortgage Brokers, our independent, customer-focused approach ensures you receive honest advice and lasting support for every stage of your mortgage journey. To speak with one of our local experts, call us today on 01454 583 600.
Frequently Asked Questions
1. What is the role of a mortgage adviser, and how can they help me?
A mortgage adviser helps you find and arrange a mortgage that suits your personal circumstances. We compare products across the mortgage market, explain how different financial products work, and handle your application from start to finish. Using a whole-of-market adviser, such as the team at Evermore Mortgage Brokers, we provide you with access to far more options than a single bank or lender, helping you secure the right deal for your needs.
2. What does the Financial Conduct Authority (FCA) do in relation to mortgage brokers?
The Financial Conduct Authority regulates mortgage advisers and financial services firms in the UK. This ensures that all advice and recommendations meet strict standards of fairness, transparency, and professionalism. Evermore Mortgage Brokers operate under FCA regulations, which means the advice you receive is fully compliant and designed to protect your best interests at all times.
3. What is Critical Illness Cover, and why might I need it?
Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with a serious illness such as cancer, heart attack, or stroke. This financial support can help cover mortgage repayments, household bills, or medical costs while you focus on recovery. Including Critical Illness Cover as part of your protection products ensures that a change in your health doesn’t put your financial stability at risk.
4. How does Income Protection work?
Income Protection provides you with a regular income if you’re unable to work due to illness or injury. It helps maintain your mortgage repayments and daily expenses until you can return to work. This type of income protection cover offers peace of mind that your financial commitments are secure, even when life takes an unexpected turn.
5. What is Mortgage Payment Protection Insurance, and how is it different from Income Protection?
Mortgage Payment Protection Insurance is designed specifically to cover your monthly mortgage repayments if you are unable to work due to illness, accident, or redundancy. Income Protection, on the other hand, replaces a portion of your income, which can be used for all living costs, not just your mortgage. Our advisers can help you understand which protection product best suits your financial situation.
6. What should I consider when buying my first home?
If you are buying for the first time, it’s important to know how much you can borrow, what deposit you’ll need, and which mortgage types suit your circumstances. Our mortgage advisers can guide you through government schemes, lender criteria, and budgeting for extra costs such as solicitors’ fees and surveys. The right advice helps make your first step onto the property ladder smooth and achievable.
7. How can Mortgage Protection help secure my financial future?
Mortgage Protection ensures that your mortgage repayments are covered if you become seriously ill, lose your job, or pass away. It’s a key part of a complete financial plan, designed to protect both your home and your family’s stability. Evermore Mortgage Brokers will help you choose the level of protection that aligns with your mortgage balance and personal circumstances.
8. Are protection products necessary if I already have savings?
Even with savings, protection products such as Life Insurance, Critical Illness Cover, or Income Protection provide valuable long-term security. Savings can be quickly depleted during a serious illness or extended loss of income, whereas protection policies are designed to sustain you financially for as long as needed. They help you safeguard your lifestyle without exhausting your savings.
9. How often should I review my mortgage and protection cover?
You should review your mortgage and protection cover whenever your personal circumstances change, for example, if you move house, change jobs, or start a family. Regular reviews help ensure your financial products continue to meet your needs and take advantage of better rates or updated policies available in the mortgage market.
10. Can a mortgage adviser help me with more than just mortgages?
Yes, many mortgage advisers, including the team at Evermore Mortgage Brokers, also provide guidance on protection insurance and related financial services. We can help you arrange life insurance, Critical Illness Cover, Income Protection, and home insurance. This holistic approach ensures every part of your financial plan works together to protect you, your property, and your family’s future.
Take the Next Step Towards Securing Your Future
Whether you are buying your first home, remortgaging, investing in property, or looking to protect your income and family, the right advice can make all the difference. With clear guidance, honest communication, and whole-of-market access, our Evermore Mortgage Brokers make every stage simple and stress-free.
Evermore is an award-winning mortgage broker, and our expert advisers are ready to help you secure the right mortgage and protection insurance for your personal circumstances. Call us today on 01454 583 600, 07877 270 706, email us, or visit our Contact Us page to get in touch and take the first step towards your financial confidence.
