About WR Ethical

Because your mortgage shouldn’t cost the earth …

… ecologically, emotionally or financially. That simple idea is why WR Ethical exists.

We’re a whole-of-market mortgage and protection broker, based in Bristol, here to help you buy a home you love and keep it, in the most ethical way we can.

Buying a home is one of the biggest financial decisions most of us ever make, and the money behind it has the power to do real good or real harm in the world. So we set out to build a mortgage service that looks after you and the planet at the same time, with advice that is straightforward, fairly priced and genuinely on your side.

About WR Ethical awards and accreditations

Independent advice you can trust

If you’re looking for advice on mortgages or protection (insurance), we can help. We work with people right across England, Wales & Scotland by phone, email and video call. We’re based in Bristol – and can see you there face to face (by appointment), or in one of our satellite Somerset locations near Yeovil, Bridgwater and Yatton.

Our core role is to give you independent, whole-of-market mortgage advice, so you can make an informed decision about the right mortgage for your home. Whole-of-market means we compare deals across the entire market, not a small panel of lenders. And because being ethical matters more to us than making a sale, we’ll always point you towards the lowest-cost deal we can find, even if that means telling you you’d be better off going direct to a lender.

We get you the best deal

We have the processes, experience, connections and the odd trick of the trade to secure you a great deal, saving you money compared with going it alone.

We take the stress out of buying

We love making the whole process feel calmer. Talk to us about the places you’re viewing, what really matters in a home, and what to look for in solicitors, surveyors, insurers and estate agents.

We build care for the planet into everything we do

We use Ethical Consumer’s data to help you align your values with lenders, and our green mortgage guide sets out what’s available. We run the business as sustainably as we can, give 5% of our turnover to charity and campaign for better industry practices.

People and planet before profit

We run our business the way we wish every business would be run.

We donate £60 to charity with every application fee we receive, and we commit to giving 5% of our turnover to charity, supporting organisations including CAP UK, inHope, Twin your Toilet, and Client Earth (the foundation of our 1% for the Planet certification). We plant a tree for every mortgage we arrange, and we calculate and offset our carbon footprint, both through Ecologi. We try to make the right call on every part of how we operate, from tax to transport to tech.

We publish our tax policy and an annual impact report so you can hold us to all of it.

Fair, honest pricing

We aim to offer a service that is excellent value, simple and caring. That starts with a transparent fee structure and prices kept as low as we sensibly can. You can see exactly how this works on our honest pricing page.

We’ll always do a like-for-like mortgage for free – and will even give you cashback if that’s with your current lender. We also give back some of our commission to first-time buyers. Charging fairly, and not making more profit than we need, is built into our advice rather than bolted on.

Certified B Corporation

We’re one of only a handful of UK mortgage advisers to hold B Corp certification, and we achieved the highest score of any mortgage broker on the register.

The Fair Tax Mark

We’re proud to hold the Fair Tax Mark, assessed against the Fair Tax Foundation’s UK Small Business Standard, where we excelled in particular on ownership transparency and our tax policy.

Best Ethical Mortgage Broker

The SME News Finance Awards have named us Best Ethical Mortgage Broker in 2023, 2024 and 2025, recognition that the way we do things genuinely stands out in our industry.

Reviews you can check for yourself

Our clients consistently rate us five stars on Google and VouchedFor, and we hold VouchedFor Top Rated Adviser status. We ask for a review from everyone we advise, so what you see is the full picture, not a curated few.

Our story

Paul and his wife Jo have cared about the planet for as long as they can remember. They’ve long supported international development projects and tried to make eco-friendly, ethical choices in how they live and what they buy.

Paul started out as a water engineer, then spent time as a stay-at-home dad, before getting some community development projects off the ground at his local church. Ten years working in engineering monitoring, testing and quality control followed. Then a walk and a prayer down by the river in Vassals Park led him to retrain as a mortgage adviser.

He founded WR Ethical in 2020 because he wanted a different kind of firm, one led by doing things the right way and treating staff and customers exactly as he’d want to be treated himself. The first steps were about long-term vision and setting things up to stay true to those principles. As new people have joined and new partnerships have formed, the priority has always been the same: values, character and motivation.

Meet the team

We’re interested in a relationship of trust across your whole financial life, not a quick sale. We take the time to understand your needs and preferences, and we’ll never recommend something because it suits us. It has to be the right fit for you. Talk to us and you’ll soon realise we get our buzz from helping people, not from the size of our pay packets.

Paul

Senior Adviser & Founder | CeMAP

Paul founded WR Ethical in 2020 to help people simplify the process of buying a home, and help people do good with their money. To him, doing this feels like a vocation, not a business.

His interest in property began in 2005 when he bought a home in Bristol that needed quite a bit of refurbishment. Around the same time, he joined a church focused on helping the local community (with lots of spare rooms to fill). A wide variety of roles and life experiences since then led him to start WR Ethical, combining his passion for property with a commitment to doing things differently.

When not thinking about helping others to buy a home, you can find Paul spending time with his family, running, cycling, walking the dog and baking.

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Jess

Mortgage Administrator

Jess has been helping people find a home since 2014. She’s the most organised member of the team and is brilliant at working through lots of detail to make sure your mortgage application goes as smoothly as possible, keeping track of an extraordinary number of different things at the same time.

Before pursuing her interest in mortgages and joining WR Ethical in 2022, Jess worked in a lettings agency, supporting mostly students and landlords. That experience gave her a solid understanding of the property world from multiple angles.

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Ashleigh

Mortgage Administrator

Ash joined WR Ethical after a 15-year career in insurance. As with many of us, buying her own property got her interested in mortgages, and she quickly found her feet working through application details and learning the subtleties of different lenders’ systems. Her ability to manage a range of high-pressure situations, whilst still prioritising all of the people involved, is particularly impressive.

Outside of work, Ash loves spending time with her children and the rest of her extended family.

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Mark

Senior Protection Adviser | CII Module R01

Mark helps mortgage customers protect their homes and families with clear, accessible advice on life insurance and personal protection.

After an early career in finance in Australia, Mark returned to the UK in 2016 and has continued building his expertise in supporting individuals and families. He takes pride in educating each person about the best options available, no matter how complex their circumstances or medical history. He’s committed to going the extra mile to find the right cover.

When Mark’s not working, he really enjoys cooking and travelling, though most of his free time is now happily spent with his energetic daughter attending tea parties and reading her favourite books.

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Darryl

Senior Mortgage & Equity Release Advisor | CeMAP & CeRER

Darryl has been helping people with their mortgages for over 20 years. He’s worked with people from all walks of life – from those buying a first home, through remortgaging and moving home, to exploring later life lending such as equity release. His extensive knowledge of lenders and their criteria means he can quickly find just the right option for you.

He joined WR Ethical in 2025 and believes mortgage advice should always be clear and easy to understand, so you feel confident to make informed choices.

When he’s not working, Darryl is raising four children, who keep life busy and fun. He also loves cooking, getting lost in a good book, and travelling whenever possible.

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Lorna

Mortgage Adviser | CeMAP

Lorna joined WR Ethical in 2025 as an administrator and quickly made the move to qualify as an adviser, where her organisational skills and genuine love of helping people have found a natural home.

Before mortgages, Lorna spent three years in the theatre industry. It was her own house-buying experience that drew her toward the mortgage world — and she hasn’t looked back since.

Outside of work, she loves spending time with her family and keeping active, whether at the gym or out on a long walk.

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Conor

Mortgage Adviser | CeMAP

Conor loves guiding first time buyers and movers through one of life’s biggest financial decisions, making the process as clear and stress-free as possible.

After building his mortgage advice experience at another Bristol firm, Conor joined WR Ethical in 2025. Prior to moving into financial services, he worked in healthcare, including time as an emergency care attendant with the ambulance service. That experience taught him how to support people through challenging moments with calm, clarity and care – skills he continues to bring to his mortgage advice today.

Outside of work, Conor is a keen kickboxer who enjoys the discipline and focus the sport brings. At home, he mostly enjoys spending time with his young family, but you’ll also find him playing padel and tennis when time allows.

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Matt

Mortgage & Equity Release Adviser | Certs CII (SMP & ER)

Matt joined WR Ethical in 2026, bringing eight years of experience working with a diverse range of clients within a small financial adviser’s practice. He particularly enjoys helping families and first-time buyers achieve their goals, guiding them through the home-buying process and doing everything he can to turn it from a potentially stressful time into an enjoyable life milestone.

Based in Yatton, Matt has existing clients all around the North Somerset area and beyond, broadening WR Ethical’s reach across the South West.

Outside of work, Matt prioritises quality time with his family, but always has a personal endurance challenge to train for. When time allows, he gets out running, cycling or hiking as much as he can.

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What customers say about us

It’s always better to hear it from someone other than us. We invite feedback from everyone we advise, so you can read genuine, unfiltered reviews of all our advisers.

      
 5.0
 5.0
 Top Rated Service 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
 
 
 
 
 
   
 
 
      Posted on Google  
   
   Clare Andrews 
 8 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I chose WR Ethical for their ethical and environmental stance, and have benefited from their mortgage advice twice now. On both occassions my interactions with mortgage advisor Paul have been friendly and he has taken time to understand my values and needs, and given detailed and clear information. Recommended service.
  
 
     Posted on Google  
   
   Owen o neill 
 9 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I found Paul to be super helpful in my mortgage process (1st time buyer). He was knowledgeable, straightforward, patient and realistic in what I needed and what I could get. It was a tricky nerve-racking 12 months beset with issues and the mortgage was approved with one day to go before the offer expired. Paul got an extension on the offer which saved the day and was professional and kind throughout the process. I wholly recommend Paul and WR Ethical. Many thanks.
  
 
     Posted on Google  
   
   Dave Tunstall 
 10 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had our first meeting with Mark to discuss life insurance, and he was fantastic, friendly, helpful, and highly professional throughout. He also flagged some important considerations we hadn’t thought about, which really added value to the conversation. Highly recommend!
  
 
     Posted on Google  
   
   Amy Hurst 
 21 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
     Posted on Google  
   
   Albion Dina 
 34 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
     Posted on Google  
   
   Jacob Renouf 
 35 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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
  
 
     Posted on Google  
   
   Theo W 
 39 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great experience - great communication and Matt was clear and kept things simple.
  
 
     Posted on Google  
   
   Joanna MacAdie 
 42 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
     Posted on Google  
   
   Maya Kirby 
 46 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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.
  
 
     Posted on Google  
   
   Dan Jones 
 46 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 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 👍

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Guide to Green Mortgages

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Choosing Ethical Protection Insurance

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Bristol (Head Office)

Yeovil

About WR Ethical

Independent advice you can trust

How we help

We get you the best deal

We take the stress out of buying

We build care for the planet into everything we do

People and planet before profit

Fair, honest pricing

Proof, not promises

Certified B Corporation

The Fair Tax Mark

Best Ethical Mortgage Broker

Reviews you can check for yourself

Our story

Meet the team

Paul

Jess

Ashleigh

Mark

Darryl

Lorna

Conor

Matt

What customers say about us