Paul Waterfall, Founder of WR Ethical

Hello and welcome!

Thanks for finding us through Unbiased. Their job was to match you with a trusted, regulated adviser. Ours is to find you the right mortgage and make the whole process simple.

Our initial advice is free, our pricing transparent, and we genuinely love helping people buy homes. Have a look around, or book a chat and let’s get started.


Paul Waterfall

Paul Waterfall · Founder, WR Ethical

Find your perfect mortgage match with support from first call to keys

  • A dedicated adviser supports you from start to finish, with genuine care
  • We search the whole market to find you a great rate that fits your budget and values
  • Find the right mortgage, not just the cheapest – get a mortgage that aligns with your life and goals, not just the lowest rate

Book your free mortgage consultation

google credentials 5 stars
SME Finance Awards Best Ethical Mortgage Broker 2025

Mortgage advice that puts you first

Getting a mortgage doesn’t have to feel overwhelming. We know you have questions. How much can you borrow? Which lender is right for you? What about all that paperwork?

Here’s what makes us different: whilst we’re good at numbers, we love people! So we see you as a person with goals, not just another application.

That’s why hundreds of Google reviews give us 5 stars, and why our customers actively recommend us to friends.

Even if you’re just starting to think about your next move, we can help with planning, budgeting, and guidance so you can move forward with confidence.

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

Here's exactly what you get when arranging your mortgage on your next home with WR Ethical

Whole market search for your perfect rate

We hunt down the best mortgage deals across every available lender

Cashback for first-time buyers

Get £100 to £300 from us to help with settling in

Your dedicated adviser from start to finish

One expert guide who understands your unique financial story

Clear explanations without the jargon

We speak plain English and focus on providing clear and helpful guidance

Making a difference with every mortgage

We donate £60 to charity with each mortgage application on your behalf

Mortgage advice that doesn’t cost the earth

Guidance on the ethics, customer service, and pricing strategies of every lender, from a firm that is set up to do good

Your mortgage journey with us

  1. Initial chat (15 minutes)

    We discuss your situation and explain options in plain English

  2. Agreement in principle (within a day)

    Get your AIP quickly for confident offers

  3. Support while you are house-hunting

    Straightforward advice on properties, people and negotiating, plus trusted recommendations for solicitors, surveyors, insurance and more

  4. Application

    We help you pick a lender, put your application in, and see it through to mortgage offer

  5. Completion and beyond

    Your dedicated adviser keeps things smooth, monitors rates, and will be there when it’s time to remortgage or move

Take the first step today

Book your free consultation now. Choose a time that works for you, and we’ll call you for a relaxed, no-pressure chat about your options

Get expert advice

What customers say about us

We invite feedback from everyone we advise, so you can read genuine, unfiltered reviews

Get more than just a mortgage

We transform mortgage hunting from a complex task into a clear, personalised journey

Support that feels like a trusted friend

One expert adviser committed to your entire mortgage experience

Complex cases handled with precision

Self-employed, contractors, and unique property scenarios get expert navigation

Align your mortgage with your personal values

Choose lenders that match your ethical standards without compromising competitive rates

Unbiased advice beyond our brokerage

We’ll let you know if you’d be better off going to a lender directly

Exclusive rates that work harder for you

Our broker-only deals unlock potential savings across your mortgage term

Continuous market monitoring for you

We track rates from house-hunting to move-in, ready to switch if a better deal emerges

Take the first step today

Book your free consultation now. Choose a time that works for you, and we’ll call you for a relaxed, no-pressure chat about your options.

Get expert advice

Meet your team

The team dedicated to your mortgage journey

Paul

Paul

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.

Show more Show less
Jess

Jess

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.

Show more Show less
Ashley

Ashley

Ashley helps people get their own home, whatever their situation. His knowledge of different lenders’ criteria and processes is exceptional, so he can take even complex circumstances in his stride.

A Bristol local who cares deeply about the community, Ashley joined WR Ethical in 2022 after previous roles as a carer for young people, health coach and gym manager. Through all of these, his love of helping others shines through. He’d always been interested in mortgages, and since leaving school had in mind that this is where he’d end up.

Outside of work, Ashley enjoys staying active and spending time in Bristol with friends and family.

Show more Show less
Mark

Mark

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.

Show more Show less
Darryl

Darryl

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.

Show more Show less
Lorna

Lorna

Lorna joined WR Ethical in 2025, bringing strong organisational skills and a love for helping others. She handles the admin that keeps mortgage applications moving smoothly, making sure nothing gets missed along the way.

After three years working in the theatre industry, Lorna returned to her admin roots. Her interest in mortgages sparked after buying her first house, and she’s looking forward to helping others through the same journey.

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

Show more Show less
Conor

Conor

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.

Show more Show less

Start with zero risk

We believe in transparent, upfront pricing that empowers your mortgage decisions. Our commitment is to provide clear, honest financial guidance without hidden costs.

And, if we can’t find you a better deal than going direct, we’ll tell you!

Free initial consultation and Agreement in Principle

Explore your options with no obligation. Get genuine advice about deposits, affordability and timing without paying a penny.

When you are ready to apply

Standard Application: £295 – applies to most cases (over 80%) unless told otherwise

Specialist Application: £495 – for more complex cases and we’ll advise if this applies to you

Insurance: No fee for any insurance or protection we arrange for you

If you need to change your application after submission, your first change is free and subsequent changes cost £45.

No hidden charges

We explain our fee upfront so there are no surprises.

Cashback Bonus: For first-time buyers, once you’ve moved in, you’ll get £100 to £300 from us, which may fully or partially cover the application fee.

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

Your mortgage journey

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 about helping to find your perfect mortgage.

contact us icon

Book a call

Use our calendar app, find a time that suits and book a meeting now
envelope icon

Email

Reach out anytime for support
phone icon

Phone

We're here to support your journey
Complete your details and one of our helpful team will be in touch right away - usually within 15 minutes during working hours.