Financial Conduct Authority registered 953976


About Us


Our Services

Ellis James Financial

2024 Top Rated Mortgage Adviser

The mortgage market can be confusing, with so many products to choose from. Your adviser will take the confusion out of mortgages and present impartial options, allowing you to easily make sense of what is available.

Mortgages in Bristol

How much deposit do I need to buy a house in Bristol?

Currently, a 5% deposit would be the starting point when looking for a house, but a larger deposit would open up the number of lenders able and willing to lend money through a mortgage. 

What is the maximum buy-to-let mortgage I can get?

What qualifies you as a first-time buyer?

You qualify as a first-time buyer if you have never owned residential property before. If that is you, then you will be eligible to apply for a first-time buyer mortgage. 

The maximum that you can borrow will be linked to the rental income you will receive on the rental property. You will likely need at least a 20% deposit and have a minimum income of £25,000 per year.

Is remortgaging a good idea?

If you get a better interest rate, you can reduce your mortgage payments or shorten the mortgage term to pay off your mortgage debt earlier than planned. 

How much do I need to earn to get a mortgage of £200,000?

The majority of mortgage lenders would consider lending up to 4.5 times your annual salary. Based on this, you would need to earn at least £44,445 per year. Mortgage lenders will also check your affordability, considering any loans and credit cards that you hold. 

Popular  Mortgage Questions

Get in Touch

Get in Touch

Feel free to send us a message using the contact form below.

  By submitting this data, I am consenting to the use of my data in line with our Privacy Policy

Add the two numbers below and enter the total in the box

1 + 1 =

Call Us on 0117 435 3040

Email Us

Reviews and Ratings for Financial adviser James Coghlan, Bristol
First Time Buyer in Bristol couple looking at a laptop

First Time Buyer

Learn More

Home Mover couple in Bristol sitting and relaxing

Home Mover (Moving Home)

Learn More

Buy to Let sign in Bristol

Buy To Let

Learn More

Remortgages in Bristol - Family sitting on their lawn


Learn More

Our Services in Bristol

Life Insurance in Bristol with family sitting on the front step

Life Insurance

Learn More

Critical Illness Cover

Learn More

Business Protection in Bristol with business partners smiling

Business Protection

Learn More

Building and Contents Insurance in Bristol with a glass of red wine split

Building and Contents Insurance

Learn More

To see our latest client reviews, please click the 5 stars logo

James Coghlan - Ellis James Financial 0117 435 3040

James Coghlan

Adviser & Founder

"At Ellis James Financial, we understand our customers, know our market, and know the industry."

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage.

Schedule time with me

This site uses cookies to enhance your user experience. By continuing to use this site you are giving your consent for us to set cookies.