Paul Waterfall

Paul Waterfall

WR Ethical

Minimum mortgage: Any amount

0117 295 0022
Based in Bristol
View location

Top Rated 2025
Verified since: November, 2021

5 out of 5

137 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 26 March 2025

  • 19

    Recent Client Reviews

    Verified reviews: 100%

  • Independent Mortgage Adviser

    Last checked: 25 November 2024

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

  • Transparent Fees

    Paul has provided information on their typical fees

  • 56

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Paul

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 26 March 2025

  • 19

    Recent Client Reviews

    Verified reviews: 100%

  • Independent Mortgage Adviser

    Last checked: 25 November 2024

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

  • Transparent Fees

    Paul has provided information on their typical fees

  • 56

    Positive First Impressions

    100% of users who are not yet clients had a positive first experience with Paul

Mortgage advice that doesn't cost the earth. We are straightforward mortgage brokers who do things a little differently – we are passionate about price, people, and the planet - ethical is in our name and in our nature… that means that: We keep costs to a minimum and publish all our fees on our website. For most of our customers, we end up costing nothing. (We do charge a small fee, but we will give you cashback on completion). We are fast, responsive and friendly – our aim is to get a 5 star recommendation from each customer, and we can only do that if we do our very best for every single person. You will get the ideal mortgage offer for your circumstances - we search the whole of the market and we genuinely care about you. We knit care for people and the planet into everything we do, so we’ll advise you on the ethics of different mortgage providers and donate a good portion of our income to charity. Thanks for checking us out. We look forward to being able to help you - whether via phone, video call, or in person. For more details about our approach, and how our fees and cashback work, check out our website - www.wrethical.com. You can also book a meeting with us here: https://outlook.office365.com/owa/calendar/FirstContact@wrethical.com/bookings/ Your home may be repossessed if you do not keep up repayments on your mortgage.

Paul Waterfall

Paul Waterfall

WR Ethical

Offers available through VouchedFor

Contact Paul through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About Paul's clients

Based on responses provided by clients who have reviewed this adviser

Clients' level of financial expertise

LowAverageHighVery high

Household income

£0-30K£30-50K£50-100k£100-200K£200K+

Mortgage value

£0-100K£100-250K£250-500K£500-750K£750K+

Savings

£0-50K£50-100K£100-300K£300-500K£500K+

Clients' level of financial expertise

LowAverageHighVery high

Reviews of Paul

Are you a client of Paul? Write your own review
Review

by a verified client in Gloucestershire

16 days ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

We needed a professional expert on the mortgage market to help us with our house purchase.

How has Paul Waterfall helped you?

WR Ethical could not have been more helpful in our rather complex path to sorting out a mortgage. They were invariably prompt and efficient in dealing with our many queries, and Paul Waterfall proved very pleasant to deal with as well as highly expert. We can recommend him and the company very highly.

Have you seen the outcome you were hoping for?

Yes.

What could they have done better?

Nothing.

Review

by a verified client in Bristol

17 days ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

First time home buyer - Used Paul as our mortgage broker

How has Paul Waterfall helped you?

As a first time buyer Paul was an excellent mortgage broker for us, and managed our slightly complex circumstances well. Walked us through our options in detail, gave us time to think and didn't rush us into any commitments. I'd very much look forward to using WR ethical again in the future.

Have you seen the outcome you were hoping for?

Yes

Review

by a verified client in Manchester

18 days ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

My husband and I were planning to buy our first home together and since it was our first time buying a house, we believed it best to seek the help of a mortgage adviser.

How has Paul Waterfall helped you?

WR Ethical was suggested to us by a friend who had a great experience with the team. Our mortgage advisor Paul Waterfall and his colleague Ashleigh were extremely approachable, responsive, reliable and supportive during the process of our mortgage application. With their hard work and help, we were able to get our application through smoothly and fast. All our queries and doubts were resolved by the team without delay which kept us comfortable and enhanced our confidence with the team. Paul is very efficient and understanding. We highly recommend WR Ethical. Great and honest service!

Have you seen the outcome you were hoping for?

Yes, absolutely.

What could they have done better?

Nothing I would suggest as a change as the team worked very well for us. Paul was extremely helpful and went above and beyond to make himself available to answer our concerns and queries. The team did very well.

Review

by a verified client in Bristol

18 days ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

we were having some issues with our bank.

How has Paul Waterfall helped you?

We want to express my heartfelt thanks to Paul for his exceptional service as our mortgage advisor. From start to finish, he was incredibly knowledgeable, patient, and supportive. He took the time to explain every step of the process and ensured we found the best mortgage solution for our needs. We couldn't have asked for better guidance during such an important decision. Highly recommend Paul to anyone seeking mortgage advice!

Have you seen the outcome you were hoping for?

Yes

Review

by a verified client in Warwickshire

18 days ago

Overall

Advice

Service

Value

What were the circumstances that caused you to initially look for an adviser?

moving home

How has Paul Waterfall helped you?

Paul and his team delivered a fantastic service thank you. There was clear communication from WR Ethical from the start and throughout the process and great outcome with a mortgage offer.

Have you seen the outcome you were hoping for?

yes absolutely

What could they have done better?

nothing

Paul:

Thanks Ed, really appreciate your kind words - hope you'll be able to enjoy your beautiful new home soon!

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Adviser Disclaimer

WR Ethical Limited is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority. WR Ethical Limited is registered as a Company in England & Wales No. 13295388. Registered Address: DeskLodge House, Redcliffe Way, Bristol, BS1 6NL.