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

    Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status

  • 19

    Recent Client Reviews

    Verified reviews: 100%

    Paul has received 19 client reviews in the past 12 months; 100% of these have been verified

  • Independent Mortgage Adviser

    Last checked: 25 November 2024

    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.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Paul has provided information on their typical fees

    Paul has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 56

    Positive First Impressions

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

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 56 first impressions)

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 26 March 2025

    Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status

  • 19

    Recent Client Reviews

    Verified reviews: 100%

    Paul has received 19 client reviews in the past 12 months; 100% of these have been verified

  • Independent Mortgage Adviser

    Last checked: 25 November 2024

    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.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Paul has provided information on their typical fees

    Paul has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 56

    Positive First Impressions

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

    100% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 56 first impressions)

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

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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.