Mellow FinancialIndependent mortgage and protection broker Mortgages, made mellow.
Whole-of-market advice from Bristol, for clients anywhere in the UK. Including the cases other brokers find awkward: self-employed, variable pay, buy to let and adverse credit.
Rated 5.0 on Google from 52 reviewsRead reviews ›- Rising Star in Financial Education 2026UK Enterprise Awards
- Finalist, Best Financial Services BusinessUK Small Business Awards 2026
How it works
Three steps. All done remotely.
A quick chat
15 to 20 minutes on what you want to do, the numbers and your situation. No obligation.
We search the market
We look across the whole market for the lender that fits your income and circumstances.
We run it to completion
Your own portal, open 24/7, shows where everything is. We handle the lender, solicitor and protection.
What we help with
Whatever you're buying,
we've likely done it before.
First time buyers
From deposit to keys, step by step.
Learn more ›Remortgage
Switch before your deal ends and avoid the standard variable rate.
Learn more ›Self-employed
Lenders who read your accounts properly.
Learn more ›Buy to let
Personal, limited company and let to buy.
Learn more ›Specialist mortgages
Adverse credit, complex income and difficult cases.
Learn more ›Protection
Life cover, critical illness cover and income protection.
Learn more ›
Buying your first home?
Get our free First Time Buyers Guide. Everything you need to know, in plain English.
Calculators
Run the numbers.
Move the sliders to see a monthly repayment instantly.
The team
Real people. Pick a time that suits you.
Questions
Frequently asked.
What does an independent mortgage broker do?
We compare mortgages from across the market, recommend the one that suits your circumstances, and handle the application through to completion.
Do I need to meet you in person?
No. We work remotely, so every appointment is by phone or video. That means we can help you wherever you are in the UK.
Can you help if I'm self-employed or have bad credit?
Yes. Complex cases are our speciality, including self-employed income, buy to let, limited company lending and adverse credit.
Who regulates Mellow Financial?
Mellow Financial Ltd is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
How do I get started?
Book a free 15 to 20 minute call. We'll talk through what you want to do, the numbers and your situation, then explain the next steps.