Mortgage advice that doesn't cost the earth

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

Excellent rating
Based on 248 reviews
Google star 1Google star 2Google star 3Google star 4Google star 5
Google star 1Google star 2Google star 3Google star 4Google star 5
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.
Clare A
Google star 1Google star 2Google star 3Google star 4Google star 5
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.
Owen O
Google star 1Google star 2Google star 3Google star 4Google star 5
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!
Dave T
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
Great experience - great communication and Matt was clear and kept things simple.
Theo W
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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
Google star 1Google star 2Google star 3Google star 4Google star 5
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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Certified B Corporation Learn more at bcorp.com
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

Google star 1Google star 2Google star 3Google star 4Google star 55.0
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
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 Google
Clare Andrews profile picture
Clare Andrews
2 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Owen o neill profile picture
Owen o neill
3 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Dave Tunstall profile picture
Dave Tunstall
4 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Amy Hurst profile picture
Amy Hurst
15 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Albion Dina profile picture
Albion Dina
28 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Jacob Renouf profile picture
Jacob Renouf
29 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Theo W profile picture
Theo W
33 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Joanna MacAdie profile picture
Joanna MacAdie
36 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Maya Kirby profile picture
Maya Kirby
40 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Dan Jones profile picture
Dan Jones
40 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 👍

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

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

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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Mark

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

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

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

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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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.

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