We understand that every client is unique. Our bespoke mortgage and insurance solutions are designed to meet your specific needs.
With extensive experience in the industry, our dedicated team offers unparalleled knowledge, strategic insights and practical guidance.
From residential and commercial mortgages to a wide range of insurance products, we offer a one-stop solution for all your financial needs.
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.
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.
Senior Mortgage & Protection Broker
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 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
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.
Whether you're purchasing, moving or remortgaging your home, we can help you.
We have extensive experience in helping Landlords with purchasing and remortgaging investment property.
With access to hundreds of lenders, we can source funding for your next purchase or project.
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
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.
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.
EXCELLENT Based on 22 reviews Posted on Paul CatchloveTrustindex 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 Hollie RickettsTrustindex 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 & MelPosted on Dan JefferysTrustindex 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 <3Posted on Nick HealTrustindex 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 Wayne NealeTrustindex 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 Lauren SollisTrustindex 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 Jasmin PettyTrustindex 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 LornaPosted on Zoe IacovouTrustindex 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 Ben FlightTrustindex 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! BenPosted on Richard KerrTrustindex verifies that the original source of the review is Google. Rokform were of great assistance on our refinanceVerified by TrustindexTrustindex 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
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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.