Bristol Mortgage Brokers: Expert Mortgage Advice from Fox Davidson

Fox Davidson are a leading Bristol mortgage broker. We secure mortgages for everyone, from first time buyers to professional landlords and property developers. We work with lenders including high street and private banks through to specialist commercial lenders.

Our Bristol mortgage advisors offer an excellent level of service and adhere to high standards of mortgage advice. The team have been advising clients in and around Bristol since 2005 and offer both local market insight and FCA regulated, professional mortgage advice.

bristol mortgage broker secures mortgage on clifton houses

Fox Davidson are an award wining team of Bristol mortgage advisors. Whether you’re a first time buyer in Bedminster, a professional landlord mortgaging an HMO in Filton, or a business owner seeking commercial finance on an office in Clifton we can help.

Fox Davidson are a specialist Bristol mortgage advisor. We specialise in First Time Buyer mortgages, BTL mortgages including HMO mortgages, large loans, mortgages for professionals & commercial mortgages for investors & businesses in Bristol. Call 01179897950 or send us an email enquiry@foxdavidson.co.uk to discuss your mortgage requirements in confidence with an FCA regulated Bristol mortgage broker.

Our Services:

  • First Time Buyer: Including small deposit options
  • Remortgage: Switch deals, reduce rates, or release equity in your current home.
  • Home Mover: Including porting existing mortgages.
  • Buy to Let: Including HMO, MUFB & portfolio finance
  • High Net Worth Mortgages Bespoke mortgage advice for high value properties, often via private banks.
  • Professionals: Custom mortgages for high-earning professionals like doctors or lawyers, with up to 6x income borrowing.
  • Complex Property: Including unusual construction types & property with large acreage
  • Commercial Property: For investors & business premises
  • Bridging Loans: Fast bridging loans including regulated bridging loans & property refurbishment bridge loans
  • Development Finance: New build, refurbishment, HMO conversions

Fox Davidson are here to provide expert mortgage advice in Bristol tailored specifically to your needs. As an award winning Bristol mortgage broker, our team of skilled mortgage brokers and advisors offer personalised guidance and expertise, taking the stress and hassle out of the whole process, ensuring you secure the best possible mortgage deal while making your home buying journey as hassle free as possible.

Why Choose Fox Davidson as Your Bristol Mortgage Broker

When making one of the biggest financial decisions of your life, it’s vital to work with mortgage advisers who truly understand your situation and the local market. No matter how complex your mortgage needs are, our advisers are here to help.

FCA Regulated, Award-Winning Team of Bristol Mortgage Advisors

Our expert mortgage broker team is fully regulated by the Financial Conduct Authority (FCA), providing you with complete peace of mind that you’re receiving professional, compliant advice from qualified advisers. We have earned industry recognition for our commitment to clients and our ability to secure mortgages even in complex circumstances.

Bristol houses across victoria park.

Across Market Access

As mortgage brokers we have access to mortgage products from across the UK market. This includes exclusive deals that aren’t available directly to consumers through bank websites or high street branches. Our lenders include high street banks, private banks, broker only lenders and private funds in Bristol.

Transparent Fee Structure

We believe in transparency about costs. Our initial consultation and market research services are completely free. You only pay our £495 client fee when we successfully secure a mortgage in principle for you and move on to a full mortgage application. For Commercial & Bridging loans we often do not charge a fee. If we can’t help you obtain a mortgage, you don’t pay a penny.

Our Bristol Mortgage Services

We are a specialist Bristol mortgage broker which means we offer property finance across all areas of property finance.

First-Time Buyer Mortgages

We guide you through every step, from understanding how much you can borrow to completing your first mortgage application, making your entry onto the property ladder as smooth and hassle free as possible.

Buy-to-Let Mortgages

Whether you’re buying your first rental property or you’re an experienced landlord, we ensure you get the right mortgage deal to support your investment strategy.

Remortgaging Services

If you’re approaching the end of your current mortgage deal or want to release equity from your property, remortgaging could save you thousands of pounds. The remortgaging process is often quicker than purchasing a new property, and we handle all the paperwork to make it as efficient and hassle free as possible.

Commercial Mortgages

Business owners often require specialist finance for commercial premises, development projects, or investment properties. We work with specialist commercial lenders who understand business needs and can structure flexible repayment terms tailored to your circumstances.

Bristol Harbourside.

Life Insurance & Mortgage Protection Insurance in Bristol

A mortgage is a long-term commitment, and life can be unpredictable. We are also a Bristol insurance broker and advise on protection including life insurance, critical illness and income protection.

How to get a mortgage in Bristol. Our streamlined process is designed to be as straightforward and stress-free as possible. Here’s what happens when you choose Fox Davidson as your Bristol mortgage broker:

  1. Step 1: Free Initial Consultation

    Your journey begins with a comprehensive, no-obligation consultation where we discuss your mortgage requirements in detail. We explore your current financial circumstances and future plans, the type of Bristol property you want to purchase or refinance, your preferred loan amount and repayment terms, any specific lender requirements, and your timeline for completion. This consultation is usually by phone or teams.

  2. Step 2: Comprehensive Market Research

    Once we understand your needs, our expert Bristol mortgage advisers conduct thorough research across the market. We analyse lender criteria to ensure eligibility, product features like overpayment facilities and portability options, arrangement fees and other costs affecting the total deal cost, lender processing times and service quality, and the long-term suitability of each mortgage option. This research typically takes 24-48 hours.

  3. Step 3: Tailored Recommendations

    We present our findings in a clear, jargon-free format explaining which mortgage products best match your circumstances, the total cost of each option over your preferred term, pros and cons of different lenders and product features, and our professional recommendation with reasoning. You have time to review our advice and ask any questions before making your decision. We never pressure clients—the final choice is always yours.

  4. Step 4: Application and Ongoing Support

    Once you’ve chosen your preferred mortgage, we handle the entire application process on your behalf. We complete all application forms accurately, submit supporting documentation to the lender, chase progress and resolve any queries, and keep you updated throughout. We actively manage your case until completion, ensuring everything runs smoothly.

  5. Step 5: Completion and Beyond

    When your mortgage completes successfully, we ensure you understand your new mortgage terms and set up any ongoing review appointments. Even after completion, we remain available for ongoing advice as your circumstances change or when it’s time to review your mortgage deal again.

Why Bristol Clients Choose Fox Davidson

Bristol’s property market has unique characteristics that require local knowledge and expertise. Here’s why Bristol clients consistently choose Fox Davidson for their mortgage needs.

Deep Bristol Market Knowledge

Our Bristol-based team has intimate knowledge of the local property market, including which areas are popular with different types of lenders, local property valuers and their typical approaches, common issues with different property types across Bristol, and trusted local solicitors and estate agents who work efficiently. We understand transport links and developments that affect property values. We know which property sales in the area, where is best to convert a property into an HMO etc.

Access to Exclusive Products

Our relationships with mortgage lenders mean we often have access to exclusive products that aren’t available elsewhere. These include preferential interest rates, enhanced lending criteria and the ability to prioritise some applications. We have direct contact with underwriters for complex cases, and products from specialist lenders who don’t deal directly with consumers. Over 70% of UK mortgages are now arranged through brokers, and lenders increasingly offer their best deals through intermediary channels.

Proven Track Record

We regularly secure mortgages for clients who have been declined elsewhere, including self-employed professionals with complex income structures, property investors expanding large portfolios, clients with previous credit issues who need specialist lenders, international buyers unfamiliar with UK lending criteria, and business owners seeking commercial finance for property to trade from. To speak with a Bristol mortgage broker contact one of the team today!

‘Your journey with us will involve a dedicated mortgage broker, a paraplanner and a case progression manager. You will not get passed around a call centre but will instead have a dedicated team to manage your case from initial enquiry through to drawdown of the loan. We believe that this boutique, personable service differentiates us from the larger UK mortgage brokerages.’

Bristol Office

Orchard Street Business Centre
13 Orchard Street
Bristol
BS1 5EH

Tel: 0117 989 7950

Fox Davidson provide tailored financial solutions for clients.

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How To Find Us

Fox Davidson are a Bristol mortgage broker with offices located centrally in BS1.

You can find us on Orchard street, close to the Bristol Hippodrome and just off of Park Street.

If you would like to work with a Bristol mortgage broker that has a wealth of industry knowledge as well as local property knowledge and a broker that has a real focus on the client journey then please do get in touch. We look forward to working with you.