Bristol Based Mortgage Specialist

WHY WORK WITH US?

At Rokform Finance, we pride ourselves on delivering exceptional service and expertise
to meet all your mortgage needs.

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

With extensive experience in the industry, our dedicated team offers unparalleled knowledge, strategic insights and practical guidance.

Comprehensive Services

From residential and commercial mortgages to a wide range of insurance products, we offer a one-stop solution for all your financial needs.

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

Simplifying Your Mortgage Journey

Rokform Finance is a Bristol-based whole of market mortgage brokerage covering all types of mortgages. We work with a wide range of lenders to find the right deals for your unique circumstances.

Our friendly and experienced team look after you from the first call right through to completion. We keep you informed every step of the way, respond quickly to your questions and aim to provide a stress free service.

Our biggest priority is exceptional customer service. We take the time to truly understand your goals, concerns, and preferences.

simplifying mortgage journey

OUR MISSION
Exceptional, Tailored Mortgages

Our mission is to provide exceptional mortgage and insurance solutions tailored to meet the unique needs of our clients. We aim to simplify the process of securing finance and protection for your property investments, ensuring a seamless and stress-free experience.

Rokform Finance Bristol

the rokform ecosystem

Private lending with speed, certainty, convenience and a common sense approach.

Whole of market mortgage broker for all property funding requirements.

Property development, investment and joint venture opportunities.

Market beating investment opportunities for private investors, HNWI and family offices.

Our Team

Jon O'Malley

Jon O'Malley

Owner
Kelly Flanagan

Kelly Flanagan

Senior Mortgage & Protection Broker
Lorna Melhuish

Lorna Melhuish

Client & Case Manager
Ceri Neale

Ceri Neale

Operations Manager

Senior Mortgage & Protection Broker

Kelly Flanagan

With over 20 years of experience in the mortgage industry, Kelly Flanagan is a trusted expert in mortgage advice, remortgage solutions, and protection planning. Her career includes working with respected organisations such as Forces Mutual and Police Mutual, where she developed specialist knowledge in serving clients with unique financial needs.

Kelly previously worked for Mortgage Style, a leading brokerage in Bristol and has built an excellent reputation among estate agents, accountants, and independent financial advisers (IFAs). Her strong professional network ensures smooth communication and efficient case progression for every client.

In addition to her mortgage and protection expertise, Kelly is also a landlord, offering practical guidance on buy-to-let mortgages, property investment strategies, and rental property management. This hands-on experience allows her to provide advice grounded in real-world property ownership. Passionate about helping clients achieve their property goals, Kelly combines professionalism with a personal touch, making complex mortgage processes simple and stress-free.

Outside of work, Kelly is a talented equestrian, competing in show jumping events on weekends and spending time with her family. Her dedication, precision, and commitment to excellence shine through in everything she does.

Operations Manager

Ceri Neale

Ceri Neale brings vast management experience to Rokform Finance, with a diverse background across multiple industries.

Her career also includes working as an Executive Assistant in an award-winning mortgage brokerage, where she gained valuable insight into the financial services sector.

Ceri thrives on detail-oriented tasks such as creative social media design, website editing, account management, HR administration, and introducer coordination, as well as maintaining correct processes for the compliance of Rokform Finance, ensuring smooth operations behind the scenes so the team can focus on delivering exceptional client service.

Outside of work, Ceri enjoys quality time with her family and relaxing on beach holidays.

 

CLIENT & CASE MANAGER

Lorna Melhuish

CeMAP-qualified and a valued member of our team, Lorna brings extensive experience in financial services and mortgage processing.

Her expertise ensures every client’s journey runs smoothly, from application to completion. Lorna’s speciality is liaising with lenders and key professionals to guarantee funds are released on time, whether for a home purchase or an investment opportunity.

When she’s not securing successful completions for clients, Lorna enjoys family life, supporting her daughters in their activities, and making the most of weekends away and holidays.

 

Our Services

Residential Mortgages

Whether you're purchasing, moving or remortgaging your home, we can help you.

BTL, HMO, MUFB

We have extensive experience in helping Landlords with purchasing and remortgaging investment property.

Commercial Mortgages

For commercial owner occupied, BTL and mixed-use property..

Bridging & Development Finance

With access to hundreds of lenders, we can source funding for your next purchase or project.

Equity Release

Insurance & Protection

Auction Purchase of a Vacant Bank

Our client lost their funding at the 11th hour and subsequently had Notice to Complete served on them, leaving them at risk of losing their 10% deposit, we issued terms same day and completed within 7 days of instruction. The client will apply for planning to convert the upper floors to Residential and look to retain the block long term.

FINANCIALS
Purchase price: £144,000
Bridge loan – 75%: £108,000

8 Bed HMO

Our client was purchasing a bungalow with planning pending to convert to a 8 bed HMO, the lender chosen was flexible with the planning pending to complete on the purchase, and once the drawdown facility would kick in.

New Build HMO

new Build HMO BristolSlide Sub Title

Our client was purchasing a plot of land with planning to build a 6 bed HMO, we found a lender that could complete very quickly to ensure the clients offer was attractive to the motivated seller.

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.

Book Your Free Initial 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!


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    Rokform Finance is a trading style of Rokform Mortgages Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority, number 1031889. Registered in England and Wales no 16184015, Registered Address: 195-197 Whiteladies Road, Bristol, England, BS8 2SB. Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Equity Release – This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Some forms of Buy to Let mortgages and Commercial Finance are not regulated by the Financial Conduct Authority. Rokform Mortgages Ltd are not authorised to provide advice on Commercial products, these will be referred to a third party. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.