Business Details
31 Years
experience
Expert Mortgage Advice in Bristol
Established in 1995, Steve Mears has built a reputation for delivering tailored mortgage solutions to clients across Bristol and beyond. Our team of experienced professionals, including director Steve Mears and senior adviser Charlie Brown, combines decades of industry expertise with a commitment to understanding individual client needs. We specialise in sourcing mortgages that align precisely with personal circumstances, offering access to a wide range of products including fixed-rate, tracker, buy-to-let, and equity release options. Our approach prioritises transparency, with clear communication and fee structures outlined upfront. As an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority, we maintain rigorous standards of professionalism and compliance.Our clients consistently praise our ability to simplify complex processes, supported by a team that balances technical expertise with genuine care for customer satisfaction. With a focus on long-term relationships rather than one-time transactions, we provide ongoing support throughout the mortgage lifecycle. Our Bristol-based office serves as a hub for both local and national clients, reflecting our adaptability to diverse property markets. By maintaining strong industry connections and staying abreast of market changes, we ensure our clients receive up-to-date, relevant advice. This combination of experience, regulation, and client-centric service positions us as trusted partners in achieving property goals.
Services
Fixed Rate Mortgages
Tracker Mortgages
Buy to Let Mortgages
Equity Release Mortgages
First Time Buyer Mortgages
Offset Mortgages
Discount Mortgages
Re-mortgage Services
Protection Services
Mortgage Calculators
Details
- Year established: 1995
Highlights and features
- We offer over 30 years of combined mortgage advisory experience.
- Our team provides personalised mortgage solutions tailored to individual needs.
- We have access to exclusive mortgage schemes not available through high-street banks.
- We are regulated by the Financial Conduct Authority for your protection.
- We maintain transparent communication and fee structures throughout the process.
Associations and certifications
- Financial Conduct Authority
What people say
Lovely people
Efficient process
Stress-free experience
Expert guidance
Transparent communication
Services
Fixed Rate Mortgages
Fixed rate mortgages provide consistent monthly payments for set periods, protecting against interest rate fluctuations. Ideal for budget-conscious borrowers seeking financial stability. Our experts help select appropriate terms matching your long-term property plans.
Buy to Let Mortgages
Specialised buy-to-let mortgages assess rental income potential and investment viability. We offer competitive rates for property investors, with options for individual or limited company structures to optimise tax efficiency.
Equity Release Mortgages
Equity release solutions enable homeowners aged 55+ to convert property value into tax-free cash. We provide regulated options for releasing equity while maintaining residency rights and financial security.
First Time Buyer Mortgages
Tailored first-time buyer mortgages include government schemes and lender incentives. Our advisors help navigate deposit requirements, credit assessments, and special discounts available for new homeowners.
Re-mortgage Services
Re-mortgage services identify better rates and terms for existing homeowners. We handle the transition process, comparing current deals against market options to maximise savings or release equity.
People
Steve Mears
Director & Founder
With 31 years' mortgage experience, Steve established the business in 1995 after banking and estate agency roles. He specialises in building long-term client relationships while managing the company's strategic direction.
Charlie Brown
Senior Mortgage and Protection Adviser
A qualified expert since 2014, Charlie combines bank sector experience with specialist mortgage and protection knowledge. He focuses on delivering comprehensive solutions while maintaining clear client communication throughout the process.
Chloe Mills
Mortgage and Protection Adviser
Ce-Map qualified adviser Chloe provides mortgage solutions informed by her psychology background. She specialises in client-focused service delivery while maintaining expertise in protection products.
Lisa Mills
Supervisor
Team leader Lisa oversees operations with extensive experience in mortgage administration. Her focus on process efficiency and client care ensures smooth service delivery across the advisory team.
Andy Maclean
Mortgage and Protection Administrator
Joining in 2019, Andy provides administrative support while preparing for advisory qualifications. His lettings background enhances understanding of property market requirements and client documentation needs.
Questions
What types of mortgages do you offer?
We provide fixed-rate, tracker, discount, buy-to-let, offset, first-time buyer, and equity release mortgages tailored to individual needs.
Are your mortgage services regulated?
Yes, we operate as an appointed representative of HL Partnership Limited, authorised and regulated by the Financial Conduct Authority.
How do you determine mortgage suitability?
We conduct comprehensive assessments of your financial circumstances and goals before recommending mortgage products that match your needs.
What fees apply to your services?
Mortgage advice fees range from £195 to £595, clearly explained and agreed with you at the earliest opportunity.
Do you help first-time buyers?
Yes, we specialise in first-time buyer mortgages, including schemes offering discounted rates and reduced fees.
Reviews (1)
David Smith
Feb 08, 2022
Report
Just moved house and Steve Mears Ltd did our mortgage - they were fantastic. Initially finding us the best deal available and then helping with the stress of the massive amounts of information required by modern mortgage lender's. Steve, Lee, Kayleigh and the team were always on hand if we had a query, and were extremely proactive in chasing surveys, mortgage offer, and then keeping us updated. We can't thank them enough in helping us buy our dream home.
