Bristol Mortgage Broker

Your local independent mortgage advisors in Bristol, Specialists in Home Mortgages, HMO Mortgages, Buy-to-let, Commercial, and Equity Release.

Ready to take the headache out of your mortgage and secure competitive rates?

Google & Trust Piiot Reviews - Rated 5/5

Why work with us?

We have access to the whole market, meaning we can find the most competitive rates suited to you, a broker who works with you!

Your Trusted Bristol Mortgage Broker

Tailored Solutions

We understand that every client is unique. Our bespoke mortgage and insurance solutions are designed to meet your specific needs.

Expertise in Mortgage Sector

Our Bristol brokers clarify everything in simple terms and guide you to avoid expensive errors most buyers make in the dark.

Comprehensive Services

We have first homes to purchase, buy-to-lets, remortgages, commercial transactions and complicated situations.

One stop. One chat. Sorted.

Your home (or property) may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it.

Purchasing a home or constructing a property portfolio?

No guesswork. Get a mortgage that is right for your budget, your goals and your future plans.

Rokform Finance is a local broker based in Bristol.

We just have to do our job and worry-free, to find the right deal.

Our Bristol mortgage brokers assist in:

First‑time buyer mortgages
Home mover mortgages
Remortgages & refinancing
Buy‑to‑let & portfolio lending
Development and commercial mortgages.

Talk to a Mortgage Broker in Bristol.

No scripts, no aggressive sales, no nonsense.

Mortgages made simple and stress free with Rokform Finance

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Paul Catchlove 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended Rokform Finance by a family member who had recently moved and used them as there mortgage broker with Kelly Flanagan being their mortgage broker who they said was absolutely amazing. As a first time buyer, I was nervous about the whole process, but Kelly again has been nothing short perfect. She was always chasing up the relevant parties (including myself) to keep the process moving as smooth as possible. Also I was also lucky enough to have Lorna Melhuish be part of my team and she definitely was just as amazing. If you are moving now or any time in the future, I would definitely recommend Rokform.
  
 
      Posted on Google  
   
   Hollie Ricketts 
 
 
 
 Trustindex verifies that the original source of the review is Google. After a recommendation from a friend we decided to use Rokform Finance to help us get a mortgage for our 1st house purchase. From day 1 I was impressed with the professionalism and expertise from both Kelly and Lorna. The speed they managed to get our file up and running to getting our agreement in principle to then getting the application in and approved was amazing. They took a lot of the stress off of my shoulders and were positive and supportive. Always keeping us updated all the way through. All I can say is thank you thank you thank you.

Simon & Mel
  
 
      Posted on Google  
   
   Dan Jefferys 
 
 
 
 Trustindex verifies that the original source of the review is Google. We just completed on our first family home which was a VERY rushed auction purchase over the Christmas break. First week back and Kelly had managed to secure us a suitable bridging loan lender who was able to work to our timeline. Could not be happier with the outcome - thank you Rokform <3
  
 
      Posted on Google  
   
   Nick Heal 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would recommend Rokform finance for a fast and efficient service. Kelly and Lorna in particular were very helpful.
  
 
      Posted on Google  
   
   Wayne Neale 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rokform Finance saved us money, time and stress!
Kelly was fantastic and helped us with our remortgage. She listened to our goals and took the time to look at all the options available to us. Lorna was fabulous, we locked in 6 months before our mortgage product ended,  she regularly checked rates and managed to reduce our monthly payments twice, saving us money.
Kelly also reviewed our protection,  putting better terms in place so our family and home are protected. Thank you again.
  
 
      Posted on Google  
   
   Lauren Sollis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelly at Rokform Finance was incredible. After a bad experience with a previous mortgage advisor Kelly was recommended to us and was super helpful and couldn’t do more for us. She handled everything, kept in contact with us regarding any progress updates and we couldn’t be happier with the service we received. Would definitely use her again and recommend to others!
  
 
      Posted on Google  
   
   Jasmin Petty 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant quick service that made buying my house possible when for 2 years it had not seemed an option. Thank you Kelly and Lorna
  
 
      Posted on Google  
   
   Zoe Iacovou 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelly and Lorna helped us with quite a complex mortgage involving bad credit and were really helpful in finding a lender that would lend to us and getting us a good deal. They were very quick to respond and kept us really well informed throughout. Would highly reccommend to anyone looking for a mortgage!
  
 
      Posted on Google  
   
   Ben Flight 
 
 
 
 Trustindex verifies that the original source of the review is Google. A Lifesaving Team in Property Finance – Jon & Kelly Are Simply Outstanding
I met Jon O’Malley at a TDN networking event in January 2025. He struck me as honest, knowledgeable, and down-to-earth, so I kept his details. Months later, I was deep into a complex property development project and facing serious refinancing issues. I reached out—and I’m so glad I did.

Jon and his broker Kelly came to see me in person to understand my situation. I had purchased a severely run-down HMO at auction using bridging finance, and after renovating it, I was ready to refinance. But due to following inaccurate advice, I hit a wall.
The bridging loan couldn’t be refinanced as planned, and I was overwhelmed with options—selling a BTL, re-mortgaging, another bridge, even selling our future home.

Jon and Kelly stepped in with calm, expert guidance. They visited us multiple times, listened carefully, and mapped out a clear path forward. Within weeks, our situation had completely turned around. I only wish I’d met them earlier—it would’ve saved thousands in interest and months of stress.

Kelly’s knowledge was especially invaluable. The bridging loan was secured against two properties—our future home and my mum’s house—under one account, making the exit complicated. Kelly worked tirelessly to find solutions, staying in touch even when I was stressed and confused.

She secured a residential mortgage for our home with minimal paperwork and lightning speed. For my mum’s house, Kelly found an equity release mortgage that allowed my mum to take it on solo—no income requirements, no monthly payments. This not only helped us exit the bridge but also saved me from higher-rate stamp duty. Kelly even visited my mum twice to ensure she fully understood everything.

The equity release product also included a clause allowing early repayment without penalties if my mum needed to move in with us for care—an incredibly thoughtful touch.

Despite hiccups with surveyors and legal complexities, Kelly navigated every challenge. She recommended a solicitor for my mum’s mortgage who could visit her in person, and she and Lorna chased solicitors relentlessly, taking the pressure off me.

We completed the second mortgage on October 3rd—just in time to repay the bridging loan by the October 4th deadline. Kelly also arranged a BTL re-mortgage, releasing funds and avoiding a sale. Her qualifications across residential, BTL, and later-life mortgages made her a one-stop solution.

Jon and Kelly’s support was more than just financial expertise—it was personal. They always made time for face-to-face meetings, explained every option clearly, and genuinely cared about helping us find the best outcome.
Thanks to you both!
Ben
  
 
      Posted on Google  
   
   Richard Kerr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rokform were of great assistance on our refinance
  
 
  
  
 
     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

Remortgaging, made easier and often more effective

When you first took out your mortgage, the deal may have been competitive at the time.

But the mortgage market doesn’t stand still, and neither should your mortgage.

By reviewing your options properly, there may be opportunities to:

Reduce your monthly payments
Secure a more suitable rate or structure
Improve flexibility for future plans

You don’t always need to change lenders, but by assessing the whole market, we can see whether staying put or switching actually makes sense once fees and early repayment charges are taken into account.

The goal isn’t to remortgage for the sake of it.

It’s to make sure your mortgage still works for your life today.

Book a free initial consultation to see whether there’s a better option available.

First-time buyer?

We make the process feel manageable

Buying your first home is exciting, but it can also feel overwhelming.

Rates, deposits, credit checks, lender criteria…

It’s a lot to take in.

We help first-time buyers by:

Explaining what matters (and what doesn’t)
Matching you with lenders that suit your profile
Guiding you through each step, calmly and clearly

.
You don’t need to know everything upfront.

You just need the right support at the right time.

Book a free initial consultation and get clear, practical guidance from day one.

Self-employed or complex income?

This is where experience counts

If you’re self-employed, a company director, or have variable income, you’ve probably already heard that “it’s harder to get a mortgage”.

Sometimes that’s true, but often it’s incomplete.

Different lenders assess self-employed income in very different ways:

Some accept one year of accounts
Others look at retained profits
Some prefer three-year figures

Knowing who to approach and when is critical.

This is where our lender relationships and experience make a tangible difference.

Book a free initial consultation to understand what’s realistic, before you apply.

Second-charge mortgages: access funds without a full remortgage

In some situations, remortgaging isn’t the most practical option, particularly if early repayment charges apply.

A second-charge mortgage can allow you to:

Access equity without replacing your existing mortgage
Fund home improvements or major expenses
Avoid penalties tied to your current deal

It does mean managing two secured loans, so suitability is key, but for the right case, it can be a smart, flexible solution.

Book a free initial consultation to explore whether this option fits your circumstances.

Case Study: Keeping the Family Home with a Non-Standard Mortgage Solution

Our client had spent years trying to buy out her ex-partner and remain in the family home for her children. Every option seemed impossible, and her ex-partner couldn’t move forward with a new purchase while still tied to the original mortgage. Our broker found a solution others had missed. We arranged a non-standard mortgage using a guarantor to boost affordability. The guarantor was added to the mortgage but not the property deeds, avoiding additional stamp duty. This allowed the client to pay off debts, buy out her ex-partner, and keep the family home. After years of uncertainty, she finally had stability and a clear path forward. By using specialist lender knowledge and creative thinking, we achieved what had seemed out of reach.

Case Study: Supporting Growth in Assisted Living

One of our clients, a property developer specialising in care sector housing, needed to refinance a nine-bedroom HMO in Bristol. The property had undergone extensive renovation and was let on a long-term lease to a care provider offering supported living for adults with learning disabilities and autism. The client required a term loan to exit a bridging facility and release additional capital for future investment. Refinancing HMOs in this sector can be complex, as lenders must understand both the asset and its social value. Our broker identified a specialist lender willing to assess the case as a residential investment mortgage rather than a commercial one. The lender approved a loan on a two-year fixed rate, plus a Green Cashback Reward thanks to the property’s EPC rating.

Case Study: From Commercial Building to 7-Bed HMO

Our first-time investor clients purchased a commercial property through their limited company and secured planning permission under sui generis to convert it into a seven bedroom HMO. The transformation was a success, but refinancing presented a major challenge. Most lenders required one to two years of letting experience, which our clients did not have. This could have stalled their plans, but our broker’s expertise made the difference. By leveraging the strength of the planning work and the clients’ profile, we negotiated an exception with a specialist lender. The refinance was approved, allowing the clients to release funds and move forward with confidence. They were thrilled with the outcome, and this case highlights how experience and lender relationships can overcome barriers for new investors.

Case Study: Coming to the End of an Interest-Only Mortgage

One of our clients still had an interest-only mortgage outstanding on her property. At 65, she wanted to retire but could not afford the monthly payments on her retirement income. Her financial adviser confirmed she would not qualify for a retirement interest-only (RIO) mortgage or a standard residential mortgage due to affordability checks based on age and income. Downsizing was not an option as she wished to remain close to family and friends. Instead, her adviser recommended a plan allowing up to 12 optional repayments per year, up to 10% of the total borrowed, without early repayment charges. These payments help reduce interest roll-up and, because they are optional, there is no need to prove affordability. This flexible approach means the client can make repayments whenever surplus funds are available, giving her control and peace of mind in retirement without leaving her home. A large part of the deposit was gifted by family, and the property was considered non-standard due to the level of work required. Many lenders were unwilling to proceed, especially as bridging loans are rarely offered to first-time buyers. Our broker had the experience to know which lenders to approach, and we sourced a specialist lender prepared to accept these unique circumstances. The valuation process created another hurdle. The valuer initially reported that the property needed far more work than anticipated, which threatened the deal. We challenged this and successfully secured the bridging loan offer on New Year’s Eve. From offer to completion, the process took just nine working days, and the purchase completed on 12 January 2026. (Figures correct as of 31/12/25) Most lenders required one to two years of letting experience, which our clients did not have. This could have stalled their plans, but our broker’s expertise made the difference. By leveraging the strength of the planning work and the clients’ profile, we negotiated an exception with a specialist lender. The refinance was approved, allowing the clients to release funds and move forward with confidence. They were thrilled with the outcome, and this case highlights how experience and lender relationships can overcome barriers for new investors.

Real testimonials by real clients

Laura Lees

❝

Can not thank Kelly @ Rokform enough for recently stepping in and working her magic to resolve my mortgage. Having been advised i’d likely incur a hefty exit fee & stretching affordability, I reached out to Kelly to take a look & get a second opinion. Within days my application with my existing lender was in & I’m now in receipt of the full mortgage I need, it breezed through & no exit fee pain!! Your cool, calm approach & professional attitude was extremely reassuring, and I’ll now never go anywhere else!

Thank you so much again Rokform & Kelly, highly recommended

Stephen Williams

❝

Abode & Co are a returning client to Rokform Finance who is our preferred finance broker for our bridging and development finance requirements. Jon's extensive property experience and pragmatic approach to funding our development projects allows Rokform Finance to provide a great customer experience and the best product specific to our requirements. If you're looking for a broker who you can rely on to give you sound, honest advice, with speed and certainty, you won't be disappointed.

Rokform are disrupters in the finance world - doing things differently!

Lauren Smith

❝

Kelly was amazing! At the time I was only working bank shifts at the hospital and had an unreliable income, but she still managed to get us a mortgage with a great interest rate. Kelly is always so accommodating to us. We were so happy to find her again after she moved from her old job… we’re truly grateful and wouldn’t go anywhere else!

      EXCELLENT  
   Based on 22 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Paul Catchlove 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was recommended Rokform Finance by a family member who had recently moved and used them as there mortgage broker with Kelly Flanagan being their mortgage broker who they said was absolutely amazing. As a first time buyer, I was nervous about the whole process, but Kelly again has been nothing short perfect. She was always chasing up the relevant parties (including myself) to keep the process moving as smooth as possible. Also I was also lucky enough to have Lorna Melhuish be part of my team and she definitely was just as amazing. If you are moving now or any time in the future, I would definitely recommend Rokform.
  
 
      Posted on Google  
   
   Hollie Ricketts 
 
 
 
 Trustindex verifies that the original source of the review is Google. After a recommendation from a friend we decided to use Rokform Finance to help us get a mortgage for our 1st house purchase. From day 1 I was impressed with the professionalism and expertise from both Kelly and Lorna. The speed they managed to get our file up and running to getting our agreement in principle to then getting the application in and approved was amazing. They took a lot of the stress off of my shoulders and were positive and supportive. Always keeping us updated all the way through. All I can say is thank you thank you thank you.

Simon & Mel
  
 
      Posted on Google  
   
   Dan Jefferys 
 
 
 
 Trustindex verifies that the original source of the review is Google. We just completed on our first family home which was a VERY rushed auction purchase over the Christmas break. First week back and Kelly had managed to secure us a suitable bridging loan lender who was able to work to our timeline. Could not be happier with the outcome - thank you Rokform <3
  
 
      Posted on Google  
   
   Nick Heal 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would recommend Rokform finance for a fast and efficient service. Kelly and Lorna in particular were very helpful.
  
 
      Posted on Google  
   
   Wayne Neale 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rokform Finance saved us money, time and stress!
Kelly was fantastic and helped us with our remortgage. She listened to our goals and took the time to look at all the options available to us. Lorna was fabulous, we locked in 6 months before our mortgage product ended,  she regularly checked rates and managed to reduce our monthly payments twice, saving us money.
Kelly also reviewed our protection,  putting better terms in place so our family and home are protected. Thank you again.
  
 
      Posted on Google  
   
   Lauren Sollis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelly at Rokform Finance was incredible. After a bad experience with a previous mortgage advisor Kelly was recommended to us and was super helpful and couldn’t do more for us. She handled everything, kept in contact with us regarding any progress updates and we couldn’t be happier with the service we received. Would definitely use her again and recommend to others!
  
 
      Posted on Google  
   
   Jasmin Petty 
 
 
 
 Trustindex verifies that the original source of the review is Google. Brilliant quick service that made buying my house possible when for 2 years it had not seemed an option. Thank you Kelly and Lorna
  
 
      Posted on Google  
   
   Zoe Iacovou 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kelly and Lorna helped us with quite a complex mortgage involving bad credit and were really helpful in finding a lender that would lend to us and getting us a good deal. They were very quick to respond and kept us really well informed throughout. Would highly reccommend to anyone looking for a mortgage!
  
 
      Posted on Google  
   
   Ben Flight 
 
 
 
 Trustindex verifies that the original source of the review is Google. A Lifesaving Team in Property Finance – Jon & Kelly Are Simply Outstanding
I met Jon O’Malley at a TDN networking event in January 2025. He struck me as honest, knowledgeable, and down-to-earth, so I kept his details. Months later, I was deep into a complex property development project and facing serious refinancing issues. I reached out—and I’m so glad I did.

Jon and his broker Kelly came to see me in person to understand my situation. I had purchased a severely run-down HMO at auction using bridging finance, and after renovating it, I was ready to refinance. But due to following inaccurate advice, I hit a wall.
The bridging loan couldn’t be refinanced as planned, and I was overwhelmed with options—selling a BTL, re-mortgaging, another bridge, even selling our future home.

Jon and Kelly stepped in with calm, expert guidance. They visited us multiple times, listened carefully, and mapped out a clear path forward. Within weeks, our situation had completely turned around. I only wish I’d met them earlier—it would’ve saved thousands in interest and months of stress.

Kelly’s knowledge was especially invaluable. The bridging loan was secured against two properties—our future home and my mum’s house—under one account, making the exit complicated. Kelly worked tirelessly to find solutions, staying in touch even when I was stressed and confused.

She secured a residential mortgage for our home with minimal paperwork and lightning speed. For my mum’s house, Kelly found an equity release mortgage that allowed my mum to take it on solo—no income requirements, no monthly payments. This not only helped us exit the bridge but also saved me from higher-rate stamp duty. Kelly even visited my mum twice to ensure she fully understood everything.

The equity release product also included a clause allowing early repayment without penalties if my mum needed to move in with us for care—an incredibly thoughtful touch.

Despite hiccups with surveyors and legal complexities, Kelly navigated every challenge. She recommended a solicitor for my mum’s mortgage who could visit her in person, and she and Lorna chased solicitors relentlessly, taking the pressure off me.

We completed the second mortgage on October 3rd—just in time to repay the bridging loan by the October 4th deadline. Kelly also arranged a BTL re-mortgage, releasing funds and avoiding a sale. Her qualifications across residential, BTL, and later-life mortgages made her a one-stop solution.

Jon and Kelly’s support was more than just financial expertise—it was personal. They always made time for face-to-face meetings, explained every option clearly, and genuinely cared about helping us find the best outcome.
Thanks to you both!
Ben
  
 
      Posted on Google  
   
   Richard Kerr 
 
 
 
 Trustindex verifies that the original source of the review is Google. Rokform were of great assistance on our refinance
  
 
  
  
 
     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

CONTACT US

Ready to secure the best mortgage deal for your property?

Our team of experienced advisors is here to help you every step of the way.

Schedule a Free Consultation: Book an appointment with one of our experts to discuss your financial situation and mortgage needs.

Take the first step towards your property goals with Rokform Finance today!