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About Us

Edward Payne

Edward Payne

Principal

I have over twenty years of experience in senior roles with a range of well known financial services brands including Halifax, Yorkshire Building Society, Bank of Ireland and Friends Life.

I set up Clifton Mortgages because I felt that financial services was too siloed and too transactional and customers deserved better.

I believe in providing a tailored, professional service to all of my customers. I do this by taking a thorough and holistic view, of not only your present needs but also of your long term, broader requirements and circumstances.

I will use all of my experience and contacts to give you the best possible advice and the best possible service, both now and in the years to come.

As well as being a fully qualified mortgage and equity release adviser, I am a also a law graduate and will ensure that my broad skills and experience are used to consider all aspects of your personal circumstances and the market when advising you.

Jonny Quigley

Jonny Quigley

Adviser

Originally from Leigh in Greater Manchester, I have lived in the Bristol and Bath area for over 20 years.

I have a wealth of experience in mortgages and protection with around 15 years of advice experience.

I’m married with two children and love all things rugby related and previously played Rugby League for Salford.

Dean Smith

Adviser

I am a happily married family man, who has over 40 years’ experience in Financial Services. I pride myself on exceptional customer service, and mortgage advice, and have been helping mortgage and equity release clients to achieve their dreams and goals for over 10 years.

I will use all of my knowledge and experience to provide you with the best possible advice, and an exceptional customer service, where you always come first, both now and in the years to come.

Sarah Payne

Finance

Sarah has lived in Bristol her whole life. 

She is responsible for all  financial management within the firm and also helps with customer administration. 

I’m here and happy to help clients with your mortgage and insurance applications whilst also liaising with our suppliers.

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Fees

As well as receiving commission from providers, Clifton Mortgages may charge a fee for our services. These will be clearly outlined in our terms of business and a fee agreement document at the outset but are likely to be as follows.

Residential Mortgage and Buy To Let Advice

We will not charge a fee for an initial consultation but we do charge a flat fee of £395 on standard residential and buy to let mortgages. Typically, this is charged if we successfully obtain a formal offer for you. N.B. A higher fee may apply to complex cases e.g. for cases involving adverse credit, overseas applicants or portfolio buy to let cases and fees may sometimes be charged in advance.

We also reserve the right to charge a brokerage fee of £100 for submitting any product transfer applications.

Any amendment to selected products on any case, e.g. to secure a lower rate on behalf of the client will entail a £50 brokerage fee payable within 7 days of the amendment being made.

Equity Release and Retirement Interest Only Mortgages

We will not charge a fee for an initial consultation but we do charge a flat fee of £795 on completion of any application.

Protection and General Insurance

We do not charge a fee for arranging protection and general insurance products.

3rd Party Specialist Referrals

In some circumstances we may refer customers to specialist third party advisers and may receive and introducer fee or share of any commission that adviser receives. This will include bridging, commercial and second charge loan applications.