tel: 01173 823 823
Contact@leafifa.co.uk
First Time Buyers — Expert, Local & Independent
Leaf Financial Advisers
Helping you take your first steps on the housing ladder.
Our Mortgage Service....
What sets us apart...
Convenient Appointments
We offer flexible appointments, including evenings and weekends, not just 9 – 5. Because good advice fits around your schedule, not ours. Get in touch to book a time that suits you.
Free Affordability Check
Free service to give you a clear insight into what you can borrow and what it may cost.
Independent
Our independent status means we are not tied to any group of mortgage lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the best deal possible.
5-Star Rated Service
Trusted by clients for clear explanations, fast communication and strong support.
Transparent Pricing
We do not charge you a Fee!
Buying your first home - get in touch
Get in touch today and receive a complimentary consultation to help discuss you situation.
Find out how much you can borrow and how much it will cost.
Explore what options you have such as fixed-rate vs tracker mortgages,
different term lengths and repayment strategies, Incentives like cashback or free valuation.
A Personalised Service to help everything go smoothly
As a Boutique firm, we offer you a tailored, personal service.
Your own Personal Adviser, someone who will advise you throughout the entire process, from start to finish. They will be available to you whenever you have a query or concern or just need an update.
One application process rather than one for each bank will save you time and reduce the chance of damaging your credit score.
As fully independent, whole-of-market mortgage specialists, we’re not tied to any lender. We search widely, including broker-exclusive deals, to find the mortgage that best suits your needs. Our advice is clear and personal, and we take the time to understand your situation and explain your options in plain English.
We support you at every stage — from affordability checks and decisions in principle to managing your full application. We handle the paperwork and liaise with lenders, solicitors and estate agents, keeping everything moving smoothly.
Free Affordability Check
Understand exactly what you can borrow and how much it may cost before you start looking.
Full Financial Analsyis
Discuss your income, expenditure and your financial situation to help fully understand your options.
Full credit history check
Discover any issues early on with a review of your credit history.
How much can you Borrow?
Understand how much could borrow and what impact different LTVS could have.
What might the payments Be?
Get an estimate of how much the mortgage would cost you.
Understand the Process
Discuss the house buying and mortgage process, including valuations, documentation and the process.
Using a broker as a First Time Buyer
Importance of Independent Advice
As Independent and Whole of Market advisers, we have access to the entire broker market of 1,000’s of mortgages, and unlike online comparison sites, our advisers tailor your mortgage to fit your personal circumstances – there is no such thing as a “one size fits all” approach. We are local, based in Bristol and cover the surrounding area. Our expert understanding of the local South West market will help ensure your mortgage goes as smoothly as possible.
At Leaf Financial, everything starts with a friendly, no-obligation chat so we can understand your plans, income and goals. We then run affordability checks, explain your options clearly and search the whole market to find the most suitable mortgage for your circumstances.
Once you’re ready, we handle the full application, prepare the paperwork and liaise with lenders, solicitors and estate agents to keep things moving smoothly. You work with the same qualified adviser from start to finish, and we stay in touch after completion to review your mortgage when it’s time to renew.
Improve the chances of approval
Give us a ring, send us an email, fill out a contact form, send us a WhatsApp, or send a text- however you get in touch we'll make sure to get back to you as quick as we can.
One application
We start with a free, no-obligation chat to understand your situation, goals and timescales. We can speak over the phone or via video call – whatever suits you best.
3. Research & Recommendations
We review the market, discuss different options with you (rate types, terms, repayment options) and make a personal recommendation based on your needs and attitude to risk.
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop
4. Application & Ongoing Support
Once you’re happy, we submit your application, help gather documents, answer lender questions and keep you updated right through to your mortgage offer and completion. You’ll have a named adviser you can contact at any time. We can also help you switch to a new rate if they drop
Let’s work together
Get in touch today and receive a complimentary consultation.
*You are now leaving the website of Leaf Financial Advisers and we cannot be held responsible for the content of this external website.
Leaf Financial Advisers Ltd is entered on the FCA register under reference 944216.
Leaf Financial Advisers Ltd is registered in England and Wales, Company number 12950412. Registered office: 39 Cromwell Road, Bristol, BS6 5HD.
Leaf Financial Advisers Ltd. is an appointed representative of Julian Harris Financial Consultants, which is authorised and regulated by the Financial Conduct Authority, FCA number 153566.
The performance of your investments is subject to risk(s). Its performance may fluctuate based on movements in the market and economic condition(s). Capital at risk. Currency movements may also affect the value of investments. You may get back less than you originally invested. Past performance is not a reliable indicator of future performance.
Tax treatment is based on an individual’s unique circumstances.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.