Mortgage Advice That Puts You First.
Buying your first home, moving property or reviewing your mortgage? Laurence Clarke provides clear, personal guidance to help you understand your options and next steps.
Laurence Clarke
Founder & Lead Mortgage Adviser
50+ 5-Star Reviews across London & Home Counties
Experience You Can Trust. Advice You Can Understand.
Here is what real UK homebuyers and homeowners say about working with Laurence.
"We would not be homeowners without Laurence. He was the only broker who gave us a chance, listened to our circumstances, and worked out an effective plan of action in easy-to-digest steps. He was incredibly kind, patient, efficient, helpful, and always only a fast text response away!"
Izzy A.
First-Time Homeowner
"What really stood out was how proactive and attentive Laurence was. He regularly checked in to see how things were progressing on my end, even when there were no major updates. It never felt like just a transaction — he genuinely cared about getting the best outcome for me and my family."
Blessing B.
Home Mover
"The service provided by Laurence was outstanding, as every aspect from the mortgage rate and flat insurance to the final purchase was exceptional. As a novice in property buying, the guidance I received significantly enhanced my understanding of the property acquisition process."
Jude & Stella N.
Property Buyers
Mortgage And Financial Guidance For Life's Important Decisions.
Six core areas of mortgage and financial guidance, backed by whole-of-market access.
Mortgages
Tailored advice for first time buyers, home movers, remortgaging, self-employed applicants and buy-to-let investments.
Protection
Explore options that help safeguard your income, home and loved ones in the event of critical illness, injury, or death.
General Insurance
Buildings and contents insurance required for home ownership, ensuring your property is adequately covered against risk.
Financial Planning
Long-term financial guidance to align property wealth with broader personal financial security and family objectives.
Equity Release
Helping qualifying homeowners unlock capital built up in their property for retirement, home improvements, or gifting.
Retirement
Mortgage advice for later life, including borrowing into retirement and interest-only mortgage term transitions.
Getting Started Is Simple.
A transparent three-step journey from your initial question to mortgage completion.
Tell Us About Your Plans
Complete our quick qualification questions so Laurence can understand your property plans, borrowing target, and employment background.
Speak With Laurence
Discuss your goals, questions, and potential next steps directly with Laurence Clarke in a relaxed, friendly conversation.
Explore Your Options
Laurence searches the whole market to recommend a mortgage suited to your circumstances and explains how the process could work for you.
Meet Laurence Clarke
Your Mortgage Adviser, Not A Salesperson.
Mortgage advice should feel personal, straightforward and supportive. That is the approach behind LC Premier Consulting.
As founder and lead mortgage adviser, my starting point is always listening. Every client has different circumstances, priorities and questions, so understanding your goals comes before anything else.
Whether you are buying your first home, moving property or reviewing your existing mortgage, the aim is simple: clear explanations, practical guidance and support throughout the process.
How Prepared Are You For Life's Unexpected Events?
Illness, time away from work and unexpected life events can affect your financial plans. The Risk Reality Calculator can help you understand potential risks and protect what matters most.
Explore Your Mortgage Numbers.
Use our interactive calculators to estimate monthly repayments and deposit requirements before speaking with Laurence.
Mortgage Repayment Calculator
Calculate estimated monthly capital & interest repayments based on property price, deposit size, term length, and interest rate.
Deposit & Equity Calculator
Determine how much deposit is needed for your target property price and check your resulting Loan-to-Value (LTV) ratio.
Mortgage Guidance, Made Simple.
How Much Can I Realistically Borrow?
Most UK lenders cap borrowing around 4.5x gross joint annual income, though individual commitments and credit scores play a significant role.
When Should I Start Reviewing My Rate?
Start exploring options 6 months before your fixed deal expires. Most lender offers can be secured and locked in advance.
Mortgages for Sole Traders & Directors
Lenders usually require 1 to 2 years of SA302 tax calculations or certified accounts. Laurence knows which lenders favour director salary + dividends.
Ready To Take The Next Step?
Whether you're buying, moving or exploring your options, a conversation with Laurence can help you understand what to do next.