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 262 reviews
Google star 1Google star 2Google star 3Google star 4Google star 5
Google star 1Google star 2Google star 3Google star 4Google star 5
I had an exceptional experience working with Conor to secure my mortgage. From our very first interaction, Conor demonstrated outstanding professionalism, efficiency, and deep market knowledge. What could have easily been a stressful and complicated process was handled seamlessly, and he managed to secure my mortgage in record time. Conor was incredibly proactive, ensuring all documentation was processed swiftly and keeping me updated at every stage of the application. Beyond his impressive efficiency, he is exceptionally friendly, approachable, and always took the time to answer my questions with complete clarity. I highly recommend Conor to anyone looking for a reliable, dedicated, and highly skilled mortgage broker.
Bezarine B
Google star 1Google star 2Google star 3Google star 4Google star 5
Conor was a fantastic help. In these times of uncertainty around rates, it was great to have him guide us through the process, explaining everything in detail, always really timely and with a super friendly manner. We have used WR Ethical twice now and will continue to do so. Great service
Heatherrose G
Google star 1Google star 2Google star 3Google star 4Google star 5
Excellent service. Highly recommended.
William S
Google star 1Google star 2Google star 3Google star 4Google star 5
We had a great experience with Daryl and the WR Ethical team. As first time buyers it’s always difficult to understand how the process works and not sound like you are asking silly questions. But the team made sure that no questions were silly and we wasn’t looked down on as a young couple. The best part of the service for me was the quick responses on email and organising calls. Daryl was always able to get back to us in a matter of days which is so beneficial in and industry where that isn’t always the case. Would recommend WR Ethical to all my friends and family. I know we will be in good hands when going over a new fix rate.
Luke O
Google star 1Google star 2Google star 3Google star 4Google star 5
connor has been amazing throughout the whole process, as a first time buyer alone i knew it would be a struggle but connor gave me confidence it would all be okay and it has worked out great!
Scarlett S
Google star 1Google star 2Google star 3Google star 4Google star 5
We had a good experience with WR Ethical during a turbulent time for mortgage rates. Conor took the initiative to reserve us a low rate right before high rises so we are happy and secure for a little while at least. Communication was always swift and honest. Their commitment to ethical and environmental business is also a huge plus for us.
Emma S
Google star 1Google star 2Google star 3Google star 4Google star 5
Mark explained everything very clearly, which was great for us as first time house buyers!
Ella G
Google star 1Google star 2Google star 3Google star 4Google star 5
Conor helped us obtain our mortgage offer. He was professional, friendly, helpful and very quick to respond. We are first time buyers and he made the process very easy, explaining everything clearly. Thank you Conor
Ella G
Google star 1Google star 2Google star 3Google star 4Google star 5
Darryl gave us great advice when selecting our mortgage product. We also took out life and buildings insurance with them too based on our initial experience. Would recommend for honest and independent advice.
D C
Google star 1Google star 2Google star 3Google star 4Google star 5
We had an excellent experience with WR Ethical (Matt Scarisbrick specifically) and would highly recommend them. They helped us with our remortgage, which involved repaying our Help to Buy loan, and took the time to properly understand our circumstances rather than simply finding us a mortgage. In particular, they helped us understand the property valuation we would need to achieve an acceptable loan-to-value ratio and guided us clearly through the different options. They gave us a number of lenders to choose from and, importantly, helped us understand the differences between them beyond just the interest rate. They highlighted how ethical each lender was, how easy they were to deal with and how accommodating they were likely to be. This gave us a much better basis for deciding which lender was right for us and meant we could make an informed choice based on the things that mattered to us. We also really appreciated their wider approach to protecting us financially. They quite rightly raised the question of whether we had adequate insurance in place should either of us become unable to work or pass away. It was reassuring that their focus wasn't just on completing the mortgage, but also on making sure we could continue to afford and keep our home if the worst were to happen. They also made some excellent solicitor recommendations at different price points, giving us the information and choice to decide what worked best for us rather than pushing us towards one particular option. Throughout the process, we felt well advised, looked after and confident that the recommendations being made were genuinely in our best interests. Knowledgeable, thorough and conscientious — we'd happily recommend WR Ethical Mortgage Brokers to anyone looking for mortgage advice.
Clemence C
Google star 1Google star 2Google star 3Google star 4Google star 5
I'm happy with advice given, always quick, helpful, and friendly.
Marek W
Google star 1Google star 2Google star 3Google star 4Google star 5
We can’t thank Darryl enough for all of the help and guidance he’s given us over the last couple of months. From the very beginning he has been incredibly helpful and always available whenever we’ve had a question or weren’t sure about something. Having someone we could contact so easily made our first time buying so much easier and really helped put our minds at rest. Many of our friends and family have told us of bad experiences during their own house buying processes having to constantly chase people up, but there wasn’t a single time we had to chase Darryl for a response or update. We’re extremely grateful for all of Darryl’s help and wouldn’t hesitate to recommend to anyone! Thanks Darryl!
Craig M
Google star 1Google star 2Google star 3Google star 4Google star 5
Mark @ WR Ethical was an immense help with my family life insurance. He helped navigate some challenging family history considerations, to secure a policy that was an ideal fit. Couldn’t recommend more highly!
James S
Google star 1Google star 2Google star 3Google star 4Google star 5
Connor at WR Ethical was pleasant to deal with and efficient. He found us a substantially larger interest only mortgage than I could get from any of the usual online mortgage shopping sites and at a competitive interest rate. I tried 2 other brokers as well and their offers were not as good as what Connor found.
William K
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
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
google credentials 5 stars
Certified B Corporation Learn more at bcorp.com
vouchedfor 2027
Ethical broker of the year 2024 weath & finance
Fair tax accredited
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

5.0Google star 1Google star 2Google star 3Google star 4Google star 5
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service
Verified by Trustindex
Top Rated Service
  • 5.0 Excellent rating Last 12 months
  • New reviews collected regularly Recent review activity detected
  • Leading Service Google Maps rating and review data
  • Responds to customer reviews 79% response rate within 48 hours
  • Verified by Trustindex Based on real customer reviews Learn more
Posted on Google Google
Bezarine Berry profile picture
Bezarine Berry
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had an exceptional experience working with Conor to secure my mortgage. From our very first interaction, Conor demonstrated outstanding professionalism, efficiency, and deep market knowledge. What could have easily been a stressful and complicated process was handled seamlessly, and he managed to secure my mortgage in record time. Conor was incredibly proactive, ensuring all documentation was processed swiftly and keeping me updated at every stage of the application. Beyond his impressive efficiency, he is exceptionally friendly, approachable, and always took the time to answer my questions with complete clarity. I highly recommend Conor to anyone looking for a reliable, dedicated, and highly skilled mortgage broker.
Posted on Google Google
Heatherrose Golden profile picture
Heatherrose Golden
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Conor was a fantastic help. In these times of uncertainty around rates, it was great to have him guide us through the process, explaining everything in detail, always really timely and with a super friendly manner. We have used WR Ethical twice now and will continue to do so. Great service
Posted on Google Google
William Seabrook profile picture
William Seabrook
8 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service. Highly recommended.
Posted on Google Google
Luke Overthrow profile picture
Luke Overthrow
12 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 a great experience with Daryl and the WR Ethical team. As first time buyers it’s always difficult to understand how the process works and not sound like you are asking silly questions. But the team made sure that no questions were silly and we wasn’t looked down on as a young couple. The best part of the service for me was the quick responses on email and organising calls. Daryl was always able to get back to us in a matter of days which is so beneficial in and industry where that isn’t always the case. Would recommend WR Ethical to all my friends and family. I know we will be in good hands when going over a new fix rate.
Posted on Google Google
Scarlett Stone profile picture
Scarlett Stone
13 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
connor has been amazing throughout the whole process, as a first time buyer alone i knew it would be a struggle but connor gave me confidence it would all be okay and it has worked out great!
Posted on Google Google
Emma Spiteri profile picture
Emma Spiteri
20 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 a good experience with WR Ethical during a turbulent time for mortgage rates. Conor took the initiative to reserve us a low rate right before high rises so we are happy and secure for a little while at least. Communication was always swift and honest. Their commitment to ethical and environmental business is also a huge plus for us.
Posted on Google Google
Ella Gregory profile picture
Ella Gregory
25 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mark explained everything very clearly, which was great for us as first time house buyers!
Posted on Google Google
Ella Gregory profile picture
Ella Gregory
36 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Conor helped us obtain our mortgage offer. He was professional, friendly, helpful and very quick to respond. We are first time buyers and he made the process very easy, explaining everything clearly. Thank you Conor
Posted on Google Google
D C profile picture
D C
39 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Darryl gave us great advice when selecting our mortgage product. We also took out life and buildings insurance with them too based on our initial experience. Would recommend for honest and independent advice.
Posted on Google Google
Clemence C. profile picture
Clemence C.
42 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 an excellent experience with WR Ethical (Matt Scarisbrick specifically) and would highly recommend them. They helped us with our remortgage, which involved repaying our Help to Buy loan, and took the time to properly understand our circumstances rather than simply finding us a mortgage. In particular, they helped us understand the property valuation we would need to achieve an acceptable loan-to-value ratio and guided us clearly through the different options. They gave us a number of lenders to choose from and, importantly, helped us understand the differences between them beyond just the interest rate. They highlighted how ethical each lender was, how easy they were to deal with and how accommodating they were likely to be. This gave us a much better basis for deciding which lender was right for us and meant we could make an informed choice based on the things that mattered to us. We also really appreciated their wider approach to protecting us financially. They quite rightly raised the question of whether we had adequate insurance in place should either of us become unable to work or pass away. It was reassuring that their focus wasn't just on completing the mortgage, but also on making sure we could continue to afford and keep our home if the worst were to happen. They also made some excellent solicitor recommendations at different price points, giving us the information and choice to decide what worked best for us rather than pushing us towards one particular option. Throughout the process, we felt well advised, looked after and confident that the recommendations being made were genuinely in our best interests. Knowledgeable, thorough and conscientious — we'd happily recommend WR Ethical Mortgage Brokers to anyone looking for mortgage advice.

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.

Show more Show less
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.

Show more Show less
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.

Show more Show less
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.

Show more Show less
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.

Show more Show less
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.

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.