Our Financial Adviser & Mortgage Broker in Bristol

Mark Cornes

Mortgage Broker, Financial Adviser & Protection Adviser in Bristol

With over thirty years of experience in the financial industry, I began my career at 23, offering pension and investment advice, as well as mortgage services. My extensive experience spans various areas of the sector, allowing me to help mortgage customers and provide financial advice to clients, assisting them in achieving their financial goals.

Financial & Mortgage Services

I work with clients of all ages, from first-time buyers to those planning for inheritance tax, primarily within and around Bristol. My business predominantly involves repeat clients, whom I assist with their long-term financial needs, including:

• Retirement and investment planning
• Mortgage advice
• Protection advice

Qualifications

I continually update my knowledge and stay abreast of financial regulations and industry news. My qualifications include:

• Diploma in Financial Planning (Dip PFS)
• Mortgage Advice Qualification (MAQ)

Specialist Advice

I provide expert guidance in the following areas:

• Wealth Management
• Pension Advice
• Retirement Planning
• Mortgage Products
• Protection Planning (including critical illness, life, and income protection)

Interests

In my free time, I am an avid squash player and regularly compete with my local team. I also enjoy playing golf and aim to reduce my handicap to single figures.

I reside in Portishead, near Bristol, with my wife Jessica and our two grown-up children. You can often find us walking our dog along the coastal path.

Mortgage Advice in Bristol and Yate

Buying a property or reviewing your mortgage is a major financial decision, and it helps to have someone who can make the process easier to understand. I offer approachable, practical mortgage advice to clients in Bristol and Yate, helping you explore your options and feel more comfortable with your decisions.

I’ll start by learning about your financial circumstances, your plans and what you want to achieve. Whether you’re purchasing your first home, moving to a new property, reviewing your current mortgage or considering a rental investment, I’ll explain the process and help you understand the choices available.

Your circumstances are unique, so I’ll take the time to understand what matters most to you. I’ll talk you through the available options in clear, everyday language, explain the costs and important considerations, and answer any questions you may have along the way.

My aim is to remove some of the uncertainty surrounding mortgages, helping you make informed decisions that suit your financial position and future plans.

Whether you’re preparing to buy your first home in Bristol or Yate, planning your next move or wondering if your existing mortgage still meets your needs, I’m here to help.

Contact me today for a friendly, no-obligation chat. We can talk about your circumstances, explore the possibilities and work out the next steps together.

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Pension Advice in Bristol and Yate

Thinking about your retirement early can give you greater confidence about the years ahead, but understanding your pension arrangements isn't always straightforward. I provide approachable, clear pension advice to clients in Bristol and Yate, helping you make sense of your options and plan for the future.

I’ll take the time to understand your current position, your retirement expectations and any pensions you already have. Whether retirement is still some way off or you're beginning to consider how you'll use your savings, I’ll help you explore the choices available and understand what they could mean for you.

Your plans for retirement are personal, and your pension arrangements should be considered in the context of your wider financial circumstances. I’ll explain the relevant options in plain English, helping you understand the potential advantages, costs and risks before making any decisions.

My approach is designed to make pension planning feel more manageable, giving you the clarity and support to consider your future with greater confidence.

Whether you’re looking to review your existing pensions, prepare for retirement or gain a better understanding of your financial future, I’d be happy to talk things through with you.

Get in touch today for a friendly, no-obligation conversation. We can discuss your retirement goals, look at the options that may be available and consider how best to move forward.

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Financial Advice in Bristol and Yate

Making financial decisions today can have a lasting impact on your future, so having a clear understanding of your options is important. I provide personal, easy-to-understand financial advice to clients in Bristol and Yate, helping you take a considered approach to your money and long-term plans.

Everyone has different priorities, whether you're thinking about the future, managing changing circumstances or working towards greater financial security. I’ll listen to what you want to achieve, understand your current position and help you explore the options that may be appropriate for your needs.

Good financial planning starts with understanding what's important to you. Rather than taking a one-size-fits-all approach, I’ll consider your individual circumstances and explain your options in straightforward language, including any relevant costs, benefits and risks.

My aim is to make financial decisions easier to navigate, providing the guidance and information you need to make informed choices that reflect your priorities and aspirations.

Whether you’re reviewing your finances, planning for a change in your life or simply looking for a clearer picture of your options, I’m here to help.

Contact me today for a friendly, no-obligation chat. We can discuss what matters to you, explore the possibilities and identify practical next steps towards your financial goals.

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

Frequently Asked Questions: Mortgage, Pension and Financial Advice in Bristol

1. Can I get advice on choosing between different mortgage deals in Bristol?

Yes, personal mortgage advice can help you compare different mortgage products and understand how their interest rates, repayment terms, fees and features could affect you. An adviser will take your financial circumstances and future plans into account when exploring suitable options, helping you make a more informed decision about your mortgage.

2. What mortgage options are available if I want to buy a property to rent out?

If you are considering investing in property, a buy-to-let mortgage may be worth exploring. The options available will depend on factors such as the property, your deposit, your financial circumstances and the expected rental income. Mortgage advice can help you understand the requirements, costs and risks involved before deciding how to proceed.

3. Is it worth reviewing my existing mortgage if I want to move house in Bristol?

Reviewing your mortgage before moving can help you understand how your existing borrowing might fit with your next property purchase. Depending on your current deal and lender, you may be able to transfer your mortgage to a new property or explore a different product. An adviser can explain the options, including any additional borrowing requirements, fees and affordability considerations.

4. How can I make sure my pension is on track for the retirement I want?

Start by considering the lifestyle you would like in retirement and the income you may need to support it. Reviewing your pension contributions, existing savings and expected retirement income can help you understand whether you are making sufficient progress towards your goals. A pension adviser can help you assess your arrangements and explore whether any changes may be appropriate.

5. What happens to my pension if I change jobs or have several previous employers?

If you have changed jobs throughout your career, you may have accumulated several workplace pension pots. It is worth reviewing these arrangements to understand their value, charges, investment choices and benefits. You can usually leave pensions with previous providers, but consolidation may be another option. Before transferring, check whether you would lose valuable benefits or incur additional costs.

6. How can I decide when to start drawing money from my pension?

The right time to access your pension depends on your retirement plans, other sources of income, financial commitments and tax position. Taking money earlier may affect how long your savings last, while delaying access could give your pension more time to grow, although investment values can fall as well as rise. Personal pension advice can help you compare your options and consider a suitable approach.

7. Can financial advice help me prepare for a major expense or life change?

Yes. Whether you are planning to help your children financially, renovate your home, reduce your working hours or prepare for a significant life change, financial advice can help you understand how your plans may affect your wider finances. An adviser can help you review your priorities, consider the available options and assess potential implications for your longer-term goals.

8. What is the difference between mortgage advice, pension advice and wider financial advice?

Mortgage advice focuses on borrowing for property, including buying a home, remortgaging and buy-to-let mortgages. Pension advice centres on retirement savings, pension transfers and accessing your pension income. Wider financial advice can take a broader view of your financial circumstances, helping you consider your savings, investments, future plans and overall financial priorities.

9. Can I review my pension and mortgage arrangements at the same time?

Yes, reviewing both can help you understand how your mortgage commitments and retirement plans fit together. For example, you may want to reduce your mortgage balance before retiring or assess how your housing costs could affect your retirement income. The appropriate approach will depend on your circumstances, and any recommendations should consider the costs, risks and implications of each decision.

10. Do I need to know exactly what financial advice I need before contacting an adviser in Bristol?

Not at all. You can start by explaining what you would like to achieve or which aspects of your finances you are unsure about. Whether you are exploring mortgage options, thinking about retirement or looking for a clearer picture of your financial future, an initial, no-obligation conversation can help identify your priorities and the next steps. Personalised advice can then be considered in light of your circumstances and goals.