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Leaf Financial Advisers

Remortgage Advice

Want to Save Money or Borrow More?

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Local Expertise

We are based in Bristol and as such have specialised expertise in the local housing market. Our local knowledge will help ensure your mortgage process goes as smoothly as possible.

Flexibile 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.

Personal Adviser

You will be assigned the same Mortgage Adviser from the start to the end of your journey. Someone to speak to if you need an update, have a query or just want a chat; they will be there for you.  To make it more convenient you will have their mobile number so you can get in touch, no call centres!


Our independent status means we are not tied to any one mortgage lender or panel of lenders. This allows us access to the whole of the market, including several specialised lenders, helping you get the right mortgage for you and your situation.

Remortgaging – we can help

A remortgage is where you take out a new mortgage on a property you already own, with the new mortgage replacing your current one.  This is generally done to either increase the level of borrowing or to benefit from better rates available in the market, although there are other reasons why it might be suitable (such as moving to a more expensive property).

Remortgaging can bring many benefits such as reducing monthly payments, freeing up more money to spend on the things you enjoy in life, or becoming mortgage free years earlier than planned.

Small differences in rates can have a big impact on your repayments, so it’s crucial to get expert impartial advice to ensure you get the best remortgage deal.

Request a Mortgage Quote

Request a Mortgage Quote

Benefits of a Personalised Service

As a Boutique firm, we offer you a tailored, personal service.  You will be assigned your own Personal Adviser who will advise you throughout the entire remortgage process, from start to finish.  They will be available to you whenever you have a query or concern or just need an update.

As Independent and Whole of Market advisers, we work for you, not the estate agent or lender.  We have access to the entire broker market of 1,000’s of mortgages, and unlike online comparison sites, our advisers tailor your remortgage to fit your personal circumstances – there is no such thing as a “one size fits all” approach.

Quality Advice

Benefits of a Remortgage

Ways to get in touch

Fill out our contact form and an adviser will call you back at a time that is convenient to you

Give us a ring for a Free no obligation discussion on how we may be able to help you: 01173 823 823

Drop us a line with any query you may have and we'll make sure we get back to you as quick as we can:

Benefit from a Local Independent Adviser

Using a Mortgage Adviser can help you quickly navigate the range of mortgages on offer, access the “broker only” market of deals, and guide you through the process which includes potentially eliminating a lot of paperwork.

We are local, based in Bristol and cover the surrounding area.  Our expert understanding of the local South West market will help ensure your remortgage goes as smoothly as possible.

Your personal remortgage adviser will complete all the relevant paperwork for you, liaising with solicitors, lenders and surveyors throughout the process.  One application process rather than one for each bank will save you time and reduce the chance of damaging your credit rating.

local trusted mortgage broker

The Mortgage Proccess

When using a mortgage adviser the mortgage process is relatively straightforward.  They will undertake most of the work and complete most of the paperwork.

And by using an Independent and Regulated mortgage adviser you will have peace of mind that you are getting the best deal you can.

1- Book Consultation

The first stage is to contact a Regulated mortgage adviser, preferably also an Independent Whole of Market Adviser, and book a consultation.

2 - Initial Meeting

During your initial meeting your adviser will ask you a series of questions around your current situation (current mortgage, amount of equity etc) and then discuss your requirements and goals (raise extra funds, reduce mortgage length etc).

3 - Second Meeting

After the first meeting your adviser will spend time searching the entire mortgage market to find the most suitable mortgage for you, based on your individual situation. They will then arrange a second meeting and run through their findings, explaining how any why it is the most suitable.

4 - Application

Once you have reviewed the paperwork your adviser has completed on your behalf, and you are happy, then your adviser will put in your application for you. The remortgage application process tends to be relatively quick and is usually completed in a couple of weeks.

Frequently Asked Questions

We answer some of our most commonly asked questions below.  But if you would like to know more then please get in touch and we will be happy to answer any query you may have.

Yes, our advisers are qualified and regulated by the Financial Conduct Authority, giving you extra peace of mind. 

 We advise on a range of residential mortgages, although most types tend to be fixed rate mortgages or variable rate mortgages.

In essence, remortgaging is the act of switching your existing mortgage to a new deal, either with your existing lender or a different provider. You’re not moving house and the new mortgage is still secured against the same property.

Whilst there are often financial benefits to remortgaging this doesn’t mean that there are no costs involved in the process.  Common costs can include Arrangement fees, Booking fees, Legal Fees, Valuation fees and there may be fees involved with leaving your current deal, such as Early Repayment Fees and Exit Fees.  A good regulated mortgage adviser will make sure all relevant fees are included in the assessment of whether to remortgage.

Broadly, yes you can, although there a few things to consider.

There are two main ways in which you can remortgage to pay off debts.  One is to remortgage to release the equity in your property as a lump sum to repay other unsecured debts.  Another way is to remortgage to a lower monthly payment to free up money to help meet the payments for other debts.

However, remortgaging to clear debts is not always the best option.  There are limitations on borrowing, both from lenders and based on your current situation.  More importantly, there may be better ways to repay your debts.  As such it is important to discuss your unique personal situation with a regulated mortgage adviser.

We cover all of the UK with advice via phone and video conferencing.  We are based in Bristol and have particular expertise in the surrounding area including Clifton, Bradley Stoke, Redland, St Andrews and Bishopston.

Contact Us

Please fill out the below form and an Adviser will call you back at your desired time:

Finding the right independent financial adviser (IFA) is an important decision and should not be made hastily.  We want to help you make the right decision, both for which adviser you select and what type of advice you elect to receive.

We offer an initial consultation for free without cost or obligation, giving you the opportunity to ask any questions you have about the advice process, our firm, our costs or anything else you are unsure about.

Clients often worry that advice will cost too much.  Our Fair Price Promise means we will only engage a new client if we believe the benefit will exceed any fees we may charge.

Please get in touch today for a chat about how we can help you.

Give us a ring – 01173 823 823

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Send us a Tweet – @BristolIFA

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To find out more about how and why we use personal information and who to contact if you have any queries, please see our privacy notice.