0117 295 0022
Based in Bristol
View locationTop Rated 2025
Top Rated advisers have met the qualification criteria for VouchedFor's Top Rated Guide, as determined by their client feedback
Verified since: November, 2021
5 out of 5
Checks carried out by VouchedFor
FCA status: Certified by Firm
Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status
Last checked: 26 March 2025
19
Recent Client Reviews
Paul has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Paul can advise across a wide range of mortgage products in the market. It is important to ask if Paul checks lenders’ direct-only deals.
Last checked: 25 November 2024
1
Qualifications Uploaded
Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Transparent Fees
Paul has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Paul has provided information on their typical fees
56
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 56 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
Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status
Last checked: 26 March 2025
19
Recent Client Reviews
Paul has received 19 client reviews in the past 12 months; 100% of these have been verified
Verified reviews: 100%
Independent Mortgage Adviser
Paul can advise across a wide range of mortgage products in the market. It is important to ask if Paul checks lenders’ direct-only deals.
Last checked: 25 November 2024
1
Qualifications Uploaded
Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below
1 qualification certificate available to view
Transparent Fees
Paul has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below
Paul has provided information on their typical fees
56
Positive First Impressions
100% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 56 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.
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
Household income
Mortgage value
Savings
Clients' level of financial expertise
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!VouchedFor Disclaimer
Please Note: While VouchedFor.co.uk undertakes significant effort to ensure the information provided on this website is correct, it is your responsibility to confirm its accuracy with the adviser. Any decisions you take having spoken with the adviser must be made by you on the basis of your own investigations. Use of this website is subject to the website terms & conditions and privacy policy. Local rates apply from a BT Landline when calling 0845 numbers, costs from mobiles and other operators may vary.
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.