Mortgage advice that doesn't cost the earth

Mortgage advice that doesn't cost the Earth.

Award-winning, independent mortgage advisers. We search the whole market for a solution as unique as you are — with fair, transparent fees and honest advice that always puts your interests first.

★★★★★ 5.0 on Google
100% Same-Day Response
Award-Winning Ethical Broker
FCA Regulated
First Time Buyers

First Time Buyers

Low deposit? Maximising your borrowing? Whatever your situation, get dedicated support from your very first question to collecting your keys — plus cashback on completion.

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Moving Home

Moving Home

Maximise your options while avoiding costly penalties and unnecessary fees when porting or switching your mortgage

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Remortgaging

Remortgaging

We monitor rates for up to nine months before your deal ends and switch you to better deals as they appear, so you get the best rate at completion while you get on with your life

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Buy to Let

Buy to Let

Whether it’s your first buy-to-let or your fifteenth, we’re here to help you get the finance right

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Later Life Mortgages

Later Life Mortgages

Whether you’re thinking about releasing equity, exploring a retirement mortgage, or simply wondering what your options are, we search the whole market and give you honest advice on what actually works for your situation

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Insurance & Protection

Insurance & Protection

Life insurance, critical illness cover, income protection, and home buyer’s protection – we do the hard work to save you money and worry

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Excellent rating
Based on 245 reviews
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Mark was super helpful in identifying the right protection for my circumstances. He was quick to respond to questions, kept me informed throughout and made the whole process incredibly easy. I wouldn’t hesitate to recommend to others.
Amy H
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I been using them from long time they are the best Very helpful and polite with everything I recommend to everyone one Connor make very easy and smooth all the process Thank you for everything
Albion D
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Worked with Lorna to get a mortgage as a first time buyer - Lorna was very friendly and able to explain details and answer my queries clearly and promptly
Jacob R
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Great experience - great communication and Matt was clear and kept things simple.
Theo W
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As first-time buyers, we knew very little about the mortgage process and wanted someone we could trust to guide us through it. From our very first conversation, Lorna has been amazing. She took the time to explain everything clearly, making what initially felt like a daunting process much easier to understand and far less stressful. Throughout our journey, Lorna has kept us updated with new mortgage deals to make sure we always had the best options available. She also put us in touch with trusted people to help us arrange our insurance and income protection, which made the whole process much more straightforward. She has always been on hand to answer our questions, offer advice, and even offered to help chase estate agents and solicitors to keep everything moving. Lorna is incredibly friendly, approachable, and genuinely cares about her clients. We've always felt supported and confident knowing she was looking out for our best interests. Thanks to her guidance, we've achieved the outcome we were hoping for and are now on our way to buying our first home. We can't thank her enough and wouldn't hesitate to recommend her to anyone looking for a knowledgeable, proactive, and genuinely caring mortgage adviser.
Joanna M
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I'm in the process of buying my first home, and am very grateful to WR Ethical for their services in sorting out the mortgage offer. Conor was brilliant, and I cannot thank him enough. Although mortgage brokers/ advisors aren't strictly necessary when buying a place, it makes the whole process so much simpler, and Conor gave a lot of sound advice that you wouldn't get if you tried to do it yourself. It was also great to be able to look at ethical mortgage products, and the option to give a charity donation. WR Ethical were extremely transparent in terms of fees and funding, and I'd highly recommend them.
Maya K
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My partner and I are first time buyers. Conor has gone above and beyond to get the best deals and explained the options we had very clearly. We managed to lock in a great rate before the war started shooting up the rates, and this was mainly due to his quick response and swift action. Conors work ethic has saved us a lot of money! Thanks mate 👍
Dan J
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We chose WR Ethical to support us in securing our mortgage because we really liked their ethos, and could only find positive reviews for them online. We are so pleased with this decision. Lorna provided us with excellent advice and guidance throughout the process. She was happy to speak whenever we needed to and was really reassuring, which we valued as first time buyers. Like many people buying at the moment, we were very concerned about interest rates. Prior to making our application, Lorna notified us that rates were about the increase and she was able to reserve our chosen mortgage for us to ensure we were not hit by the increase. We received our mortgage offer this week and are absolutely delighted. We would not hesitate in recommending WR Ethical to anyone looking for a mortgage, particularly first time buyers. The cashback offered, along with the charity donation is a real bonus! Thank you Lorna for all of your support. I know we've said it a lot but we genuinely value everything you have done to help us buy our first home together.
Rebecca M
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Cannot recommend Conor from WR Ethical enough - he has been so helpful with getting our mortgage, even with sales falling through and tricky issues. He is always responsive, knowledgeable, and efficient. As first-time buyers, his professionalism and support really helped make the whole process smooth and stress-free for us, he answered all the questions we had and explained the process really clearly. Would highly recommend to anyone looking for help with their mortgage! Thank you Conor and team!
Rachel B
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Lorna has been great throughout the mortgage process. She has always been incredibly responsive, keeping us up to date and answering any questions quickly and clearly. Nothing has ever felt like too much trouble, and she’s been approachable, professional, and genuinely helpful from start to finish. Her communication has made what can be a stressful process feel much more manageable. I wouldn’t hesitate to recommend Lorna and WR Ethical to anyone looking for excellent service.
Jen K
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The best decision we made was to go with WR Ethical. The advice and support have been first class. We shall be sticking with them for now on
The F
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As first-time buyers, the whole process of buying a house felt quite daunting, but Conor and Mark made it so much easier from start to finish. Conor, our mortgage advisor, was fantastic. He explained everything clearly, kept us informed throughout the process, and always took the time to answer any questions we had. His knowledge and guidance gave us real confidence every step of the way. Mark, our protection advisor, was equally brilliant. He took the time to understand our needs and explained all of our options without any pressure, making sure we had the right protection in place for our new home and future. Thanks to their expert advice and support, my partner Beth and I are now proud first-time homeowners. We couldn’t be happier with the service we received and would highly recommend WR Ethical to anyone looking for knowledgeable, friendly, and professional advice. Thank you both for helping make such an exciting milestone a smooth and enjoyable experience!
Jack P
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We wholeheartedlv recommend Wrethical. From the very beginning, the entire process of purchasing our home was handled with the highest level of professionalism, excellent communication, and genuine care for us as clients. A very special thank you goes to Matt, who was alwavs available to answer our questions, kept us informed every step of the way, and worked incredibly hard to secure the best possible mortgage deal for us. Thanks to his dedication. we were even able to benefit from a lower interest rate before completion, which we truly appreciate. Throughout the entire process, we always felt that we were in safe hands. Every stage was explained clearly, and whenever we had a question or needed advice, we received a prompt and helpful response. Buying a home can be a stressful experience, but Matt ana the whole team made everything feel straightforward, organised, and reassuring. This wasn't just professional service - it was a relationship built on trust, honesty, and a genuine commitment to helping their clients. This is exactly the level of service every customer hopes to receive. A heartfelt thank you to everyone at Wrethical for your outstanding support. We will gladly recommend your company to our family, friends, and anyone looking for a knowledgeable, trustworthy, and dedicated mortgage adviser. Thank you once again for helping us make our dream of owning a home come true. Karolina & Dmytro
Karolina S
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Very good service from WR Ethical. Darryl has been excellent with my wife and I and helped us a great deal with our mortgage application. He has always been very clear, responsive, and showed a highly professional behaviour throughout. Highly recommended service.
Jordy G
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I would happily recommend WR Ethical mortgage advisors. I brought my first house with a mortgage via WR Ethical and Darryl was excellent at talking me through the process and keeping things running smoothly. My situation was complicated having worked abroad for around a decade and now working on a contract in the UK but Darryl managed to find a solution for every problem. In fact, the US/Iran war started as I was at the offer stage which impacted mortgage products and Darryl still managed to find a solution. I moved in this week and don't think I could have done it without Darryl's help!
Jeremy H
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I’ve used Matt for quite a while now, and he’s always been professional, reliable, and happy to answer any questions I have. His communication is excellent, and nothing ever seems to be too much trouble. I wouldn’t hesitate to recommend him to anyone👌🏻
Dave T
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Conor and the team have been a huge support through the mortgage application process. As a first time buyer I was completely under prepared for what I needed to do to obtain a mortgage. Conor explained it clearly and helped to put my mind at ease. Genuinely thankful for all the support and I would highly recommend WR Ethical.
Tasha
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We had a great experience working with Ashley throughout our mortgage process as first-time buyers. He was always approachable, highly communicative, and happy to answer any questions we had, making what can be a stressful process much easier to navigate. Ashley also introduced us to Mark, who assisted with arranging our life insurance. Mark was equally professional and helpful, taking the time to explain the options available and helping us choose the cover that was right for us in what can often be a confusing area. We would highly recommend both Ashley and Mark to anyone looking for mortgage and protection advice. Their knowledge, support, and excellent communication made the whole experience straightforward and stress-free.
Byron J
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We had a great experience working with Paul and Lorna at WR Ethical on our upcoming mortgage renewal. In what has been a very uncertain and fast moving interest rate environment, Paul acted quickly to secure a very competitive rate for us, which gave real peace of mind. Throughout the process, he was extremely helpful, responsive, and proactive in keeping us informed at every step. It was clear that he genuinely had our best interests at heart, taking the time to explain options and ensure we were comfortable with the decisions being made. We would highly recommend Paul at WR Ethical to anyone looking for a reliable and knowledgeable mortgage adviser, particularly if you value responsiveness, clear communication, and someone who truly works on your behalf. WR Ethical also offer a range of other services which complement the mortgage service. Thank you!
Nat
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Conor has been brilliant. Helped me understand the process very clearly as a first time buyer and within a week of having an offer accepted on a house, I'd had a mortgage accepted. Brilliant service and recommend highly
Joe G
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Independent, ethical, and on your side

We’re a small, dedicated team based in Bristol and the surrounding areas, who genuinely care about finding the right outcome for every client.

We make the whole process less stressful

We're quick, we know each lender's quirks, and we can point you towards trusted solicitors, surveyors and insurers. People regularly tell us the process was far less painful than they'd expected.

Fair, transparent pricing

Initial advice, meetings and agreements in principle are always free. Some mortgage applications are too. For those that aren't, you may be surprised - our mortgage application and equity release fees are some of the lowest around

Certified B Corp

We're one of only a handful of UK mortgage advisers to hold B Corp certification — with the highest score of any mortgage broker on the register. We're also the only mortgage broker to score in B Corp's 'Designed to Give' category: independent proof that putting people and planet first is genuinely built into how we operate.

Giving back is built in

We give at least 5% of our turnover to charity — a minimum of £60 for every mortgage we complete. We offset all our carbon too, and plant a tree with every application. Putting people and planet first isn't a tagline; it's how we run the business.

Remember, your home may be repossessed if you do not keep up repayments on your mortgage.

Not sure where to start?

Contacting us doesn't commit you to anything. We'll simply have a friendly chat about your situation and explain how we can help. No jargon, no pressure, just honest guidance from people who genuinely care.

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