Clifton Mortgages

Mortgage broker  Top Floor, Bristol, BS8 4DR
We are here to help you to make the right choice and to remove the uncertainty when arranging your mortgage. Book an appointment online now until 8pm Monday to Friday.
We can advise you on
Bad credit
Buy my next home
Buy to let
Buying first home
Equity release
High loan to value
Next home / Remortgaging
Self-employed mortgages
Response rating
FCA authorised
Last authorised 16th May 2022
Meet our advisers
MR Edward Payne

This qualification assesses a knowledge and understanding of the UK regulation environment in the financial services industry, mortgage products, repayment options and the giving of mortgage advice.

What our clients say
Ed made everything extremely clear and simple which is exactly what we were after. Ed went to an awful lot of effort to help us for a fraction of the cost of other brokers. Would highly recommend and will definitely be asking for support again in the future.
Matt Skinner, Bath
Very good service, quickly progressed our mortgage application. As well as providing reference quotes for solicitor and insurance advice. Would recommend Ed!
ML, Bristol
Ed has provided an invaluable, professional and first class service in helping me secure just the right mortgage, as well as making things simple and clear to understand throughout the process. I cannot recommend him highly enough. Thank you Ed.
Elaine, Newlyn
a month ago- Superb service, under some difficult situations along the way. Ed helped me along every single step and was very honest from the outset. First time buyers should definitely consider using Ed's service if they are unsure whether to use a broker or not. I would have struggled big time without his advice.
Tom Godden, Cheltenham
I can't praise Ed enough for all the help he gave me buying my first home. I had pressure to complete quite quickly and the fact that Ed turned everything around really quickly and responded to emails out of hours and on weekends really helped. When the property I was buying was down valued, Ed helped me look at options and in the end everything worked out as I wanted. I will continue to use Clifton Mortgages for any future mortgage requirements I have.
Connor, Bristol
I can't recommend them highly enough. Edward Payne is extremely knowledgeable, professional and efficient. We are very happy with the service he has provided to us and will definitely use him again and recommend him to others at any opportunity.
Sarah Baker, Bristol
Helped us in every single aspect in looking for new/current mortgages. Highly recommended.
Brad, Bristol
I would thoroughly recommend Ed at Clifton Mortgages.Thank you so much for your advice and service, you really made the start of the process so simple and helped me through all of the jargon, which meant it was far less daunting.
Rachel, Bristol
As a first time buyer I really appreciated the advice and expertise that Ed offered. He was efficient and professional, but also very friendly and was really helpful when I had further questions even after my mortgage had been agreed. I have already recommended him to friends.
Emma Saunsbury, Bristol
I can thoroughly recommend Clifton Mortgages, excellent service and Edward couldn't of been more helpful. Thank You!
Maria Hobby, South Glos
Very impressed by the service provided, Edward worked fantastically with us to secure the right mortgage for us, we needed guidance as we are first time buyers and he was very patient with us and made sure we knew what was happening. Couldn't recommend him more!
Richard, Bristol
Ten Star Ed was marvellous. He found a product that a number of lenders told me was impossible. He was professional and very thorough and my expectations were exceeded. I won't hesitate to go back in the future and I highly recommend Clifton Mortgages. Excellent rates, fantastic service and all the boxes ticked. Sound advice too.
Kate Tarr, Bristol
We were so pleased with Ed, very good efficient service. Always easy to contact and happy to help with any queries during the process. Would highly recommend.
Emma, Cardiff
First class service when arranging my daughter’s mortgage.
David, Bristol
I am very pleased with the advice, communication and the process managed in a very timely manner
Hengameh, Brighton
I cannot praise Ed highly enough. His level of knowledge and expertise far exceeded my expectations. Always very quick to respond to any queries and a delight to work with. A true professional.
Julian, Bath
Ed was very helpful and nothing ever seemed too much trouble. We changed our mind several times about products and even the house we were buying and he was more than happy to help. Made everything less stressful.
Danielle, Bristol
Ed was super helpful, polite and patient. Would definitely recommend to friends.
Tom W, Newport
Thanks very much to Clifton Mortgages, very efficient and friendly service, could not be more helpful.
Jim, Bristol
Ed, sourced a provider for a niche product, was very knowledgeable, helpful and gave me total confidence in his ability.
Tony, Bristol
I had a complex mortgage requirement that most brokers and advisors were unable to help me with, but Clifton Mortgages talked me through the options in a clear and concise way, obtained a far better offer than I had been expecting, and guided me through the process efficiently and with excellent customer care. I cannot fault a single part of their process, and in fact they went above and beyond what was necessary in their handling of my case. I have worked with a number of the leading UK mortgage brokers in the past, and have no hesitation in saying that I will be returning to Clifton for all of my future lending requirements.
Michael, Lytham St Annes
Clifton Mortgages have been fantastic, guiding me through the process expertly. I am a first time buyer and Ed talked me through all the steps that go into buying a property, and explained the various terminology, pitfalls, processes and was always available for advice and updates on applications. Quick responses, professional, and going above and beyond to help. I would definitely recommend Clifton Mortgages, and will use again.
Abbie, Bristol
Ed helped me and my partner understand the progress of buying our first home, nothing was too much trouble and he even managed to get our mortgage application in on a super short time scale when applications were shutting down due to Covid19. We are now in our new home and couldn’t be happier, thanks Ed!
Sarah, Bristol
Ed helped us navigate our first re-mortgage after our previous fixed term deal had come to an end. I really don't know much about the subject but Ed and co explained our options, the potential pros and cons, and the longer term vs short term costs really clearly. The more personal service was a great benefit, I don't think we would have had such a full understanding of the options in front of us if we had gone to a high street bank. As our plans changed and the market moved Ed was always available with new deals and fresh advice. Many thanks.
Tom, Bristol
The Clifton Mortgages were a pleasure to work with when it came to renewing our mortgage. We contacted Ed and the team quite a few months before our mortgage term was up, and we had a really friendly, wide ranging conversation about what we were looking for, potential options suitable for our needs. Ed spent a good hour with us, helping us with our options, suggesting products and options we had not previously considered. There was no pressure to or obligation, just a good conversation with Ed, who was very knowledgeable. After considering our options, we decided Clifton Mortgage company were the best option for us, and the team were really responsive to any queries we had. The mortgage sailed through with no haste, and we would definitely use Clifton Mortgages again. They were a pleasure to deal with, and I would recommend them to anyone.
Eve, Bristol
Excellent, professional service and fantastic value for money. As first time buyers, Edward at Clifton Mortgages was instrumental in helping us navigate the whole house-buying process. We spent over an hour with Ed in our initial meeting discussing our options and from then on communicated easily via email and over the phone. Ed was able to secure us a great product that we would not have been able to find ourselves and, when the sellers of one house pulled out months after our offer was accepted, Ed went through the whole process again for the next property with minimal hassle and at no extra cost to us. Ed’s efficiency and professionalism made our house purchase run smoothly and we will not hesitate to use Clifton Mortgages again in the future.
Natasha, Bristol
Working with Edward made the remortgaging process easy. Being able to discuss all the options meant I had full understanding of what I was taking on, and Edward was quick to respond to my questions. I wouldn't hesitate to go back to Clifton Mortgages again.
Claire, Bristol
As first-time buyers it was super helpful working with Ed - he made the complexities in finding the right mortgage, understanding the cover we needed, and then getting the best deals much easier. We didn’t realise how much we needed a mortgage adviser before we worked with Ed! Would definitely recommend.
Alex, Brighton
Edward was instrumental in helping us get a great mortgage in an extremely timely and well executed manner. He was consistently knowledgeable, thoughtful, and a consummate professional, and made what could have been a stressful experience very smooth and seamless. I would highly recommend Edward and his team going forward.
Mike, Bristol
Ed went out of his way to help us secure the correct mortgage for our needs. Excellent service
Laura, Bath
Highly recommend Ed, he provided us with helpful advice and suggested competitive mortgages. We have now taken out 2 mortgages one repayment and a buy to let. Excellent communication, fast no hassle service.
Aaron, Bristol
Ed did an amazing job helping me with a complex re-mortgage. Unfailingly helpful, efficient, very knowledgeable and also great value for money considering the amount of time and effort he puts in to helping out. I have already recommend him to others and will continue to do so.
Juliette, Monmouth
and we cannot be more pleased at the outcome. Every correspondence with him was informative and very detailed, and we could tell that he was without a doubt a well knowledged professional in the mortgage market. It is not easy to recommend someone to another, as you can never guarantee that they will have the same experience as you. But with Edward, I can certainly recommend him to anyone and guarantee them his high standards. Thank you Edward.
Junsub, Surrey
The first thing that we did as soon as we were given the keys to our new house was to leave this review. Without Edward we can't imagine if we would have been able to get this mortgage and am truly happy at the outcome. Edward is professional and very prompt in his correspondences and is easy to get in touch with. Any questions no matter how silly they may seem he answers them genuinely and you could tell he always thinks in his clients' best interests. Sarah was also lovely to speak with.
Um, Surrey
I can't recommend Clifton Mortgages enough. As a first time buyer, I had many questions (some of them quite stupid, I'm sure), but Ed was always happy to explain and assist whenever possible
Matt, Bridgewater
Ed researched the market and presented me with the various top options with illustrations. Practical straightforward advice. Good response times. Approachable.
Maria, Bristol
Consulted Ed after having spoken with another consultant who simply didn’t listen to my requirements. Ed knows the market, understands numbers and will do his very best for you. Ed works all hours. He’s my go to mortgage advisor from now onwards. That’s a testament given that I’m generally very hard to please!
Maria Carrington, Bristol
Fantastic mortgage advisor, made it easy to buy our first house and kept looking for the best deals to save us money. Would definitely recommend Ed very thorough and helps with all of your questions.
Mia Feltham, Bristol
I couldn’t be happier with the service received from Ed and his team. All enquiries were answered efficiently, detail was explained to me throughout and I felt very reassured that my mortgage options were as important to Ed as they were to myself giving me confidence in my decisions.
Katie, Bristol
A friend recommended Edward to me. Throughout the entire process, I have found him to be friendly, efficient and reliable. As a first-time buyer, I really valued Edward’s advice and guidance. He answered all queries extremely quickly, including out of hours and at weekends, and he made securing a mortgage stress-free. I would highly recommend Edward and Clifton Mortgages.
Ameeka Thompson, Bristol
I consulted Ed after two colleagues recommended him. Ed has been professional, always keen to listen to my requirements and reply to any queries. I am a first-time buyer and he helped me understand all the steps of the process and clearly advised me on the options I had. The services he provided were exceptional and he was always available and very approachable. Very knowledge and efficient, I would strongly recommend him. It was a pleasure to work with him.
Anna Nikolaidou, Bristol
My partner and I had the assistance of Edward with our mortgage. We cannot recommend Clifton Mortgages enough - extremely professional and dedicated. Once we had him on board the house purchase went quickly. Fantastic service all round!
Deya, Bristol
I was put in touch with Ed last year by my financial adviser when I was looking to secure a new joint mortgage with my partner. The service Ed provided was extremely good: professional, highly responsive, providing me with all reasonable options after taking the time and effort to understand our circumstances in great detail. Even with the ups and downs of a highly overheated property market during the pandemic, Ed and his team took the patience to keep up with our varying fortunes, adapting his advice with each new twist and turn. Furthermore, even before and during the Exchange and Close period, Ed was able to provide me with excellent advice and service with regards to buildings and contents insurance, and even life insurance, again taking the time and effort to explain in detail the various options and why some would be better than others. I cannot recommend Ed and his team highly enough.
Phil, Bristol
I communicated with Ed during a very tough time, buying a house during Covid19 added stress. Ed was patent in explaining everything, and answer all my questions in detail. Dealing with Clifton Mortgages was the only stress free aspect of buy my new house! I unconditionally recommend them, in fact i have already.
Merate, Bristol
As a first-time buyer I have been extremely impressed with the service provided by Ed and his team at Clifton Mortgages. Ed is very well organised, diligent, and friendly. In our first meeting he took the time to clearly explain the steps of buying a house and applying for a mortgage. He was very quick to respond to emails and in contact even at weekends. The mortgage application when through quickly and painlessly. I would highly recommend Ed and his team.
Sophie, Bristol
We went to Ed when looking for a mortgage to buy a flat in a converted Victorian house. The nature of the lease and freehold restricted the number of lenders but Ed did a great job finding us some options and ensuring the whole process went smoothly. We would definitely recommend Ed and his team and will be back in touch next time we move house.
Henry, Bristol
A good friend of mine recommended Clifton Mortgages to me on the back of the excellent services he and his family received in the past. The services we received ticked all the boxes: excellent professional quality, exceptional responsiveness, professional and friendly behaviours at all times, difficult to ask more form your mortgage advisor. Claudio 1
Claudio Tassistro, Brighton
Totally professional service from Edward Payne. Nothing was too much trouble and his knowledge led to a smooth transaction thro
Maria Lyons, Bristol
I was contacted by Jonny after posting in a forum online looking for advice on getting a mortgage, as a first time buyer i had been overwhelmed by the process of getting a mortgage and house buying in general. Jonny was extremely knowledgeable and helpful. Jonny carefully walked me through the whole process and explained in simple terms what happened at each stage. Jonny was always prompt in responding to any query i had and was also happy to give me advice in other areas of the house buying process not related to the mortgage. i would highly recommend Jonny and Clifton mortgages to anyone who needs help in buying a house.
Charles Shaw, Bristol
Excellent service. Having recently applied for a mortgage, Ed has dealt with all transactions in a very professional and friendly way, making every step clear and easy to understand. Would recommend.
Oscar Brokenbrow, Brighton
Professionalism, Quality, Responsiveness, Value
Sam Man, Bristol
He advised me of the various options open to me and sourced the most suitable products. I have a mortgage offer in place. There is nothing I can think of that could been done better.
Lyn, Sussex
Edward was very good in sourcing our mortgage at the best rates and offers available and his services where outstanding when we needed to revise our mortgage due to foreign income and at all times Edward was "on then ball" as one would say and took a lot of the worry out of this situation. Our remortgage was handled even better and was seamless in start to finish.
David S, Bristol
Edward provided advice, compare options with variety of lenders. This assisted me to find the best available deal which tailor to my need. Edward was replying to my queries out of his office hours and follow-up my case.
Kwance, Bristol
Obtained all the relevant documentation and information from the company and directors thereby enabling to qualify the mortgage in principal prior to confirming with the lenders and submitting a full application. All the work done by Ed Payne enabled the mortgage application to be fast tracked with no final surprises. The mortgage is now in place.
John, Bristol
Aiming to mortgage a first flat to get money as a deposit for a buy-to-let flat, while on a stipend rather than salary. Arranged both mortgages, with good interest rates, despite my only having a stipend.
Jonte, Bristol
About us

With over 20 years of experience in Financial Services, we're here to give you the best possible advice on Mortgages, Protection and General Insurance products. We also specialise in providing Equity Release advice. From a house purchase to a remortgage we're here to make it easy for you and to find the best solution for your needs. We do not charge for an initial consultation but we do charge a fee, typically £395 on standard residential and buy to let mortgages if we successfully obtain a formal offer for you. We will reduce this to £295 if you complete our online fact find form. If we don’t get you your offer then there is no fee. N.B. A higher fee applies to equity release or other complex cases.

Our services

We work closely with providers, solicitors and estate agents to ensure that your transaction takes place as smoothly as possible.

​With over twenty years of experience in financial services, we also have a wide range of senior contacts at many lenders and we will find you the best solution from a range of providers across the whole market to make sure you get the best deal.

As well as straight forward mortgages we also specialise in Buy to Let advice (including Ltd Co Buy to Let, Retirement Interest Only Mortgages and Equity Release.

We can also refer to specialist tax, commercial, bridging and second charge advisers.

Where to find us
Head office address: Top Floor, 20 The Mall, Clifton, Bristol, BS8 4DR
Service coverage
Preferred clients
Minimum mortgage value
Special offers
Choose an Unbiased exclusive special offer:
Offers terms
Advice methods
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    Online (Live chat, video, email)
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    Face to face

Your home may be repossessed if you do not keep up repayments on your mortgage.

Response rating
FCA authorised
Last authorised 16th May 2022

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We are here to help you to make the right choice and to remove the uncertainty when arranging your mortgage. Book an appointment online now until 8pm Monday to Friday.