Mortgage Advice That Fits Your Circumstances.
Whole-of-market access to UK lenders. Laurence takes the time to understand your circumstances and find the right option for you.
First Time Buyers
Stepping onto the property ladder can feel daunting. Laurence guides you through deposit requirements, Agreement in Principle, government schemes, and budgeting.
- Whole-of-market search for lowest deposit options
- Clear breakdown of solicitor, survey & stamp duty fees
- Step-by-step support from decision to key release
Home Movers
Selling your existing property and buying your next home requires careful timing and porting or new mortgage calculations.
- Porting existing preferential rates if beneficial
- Synchronising completion dates to avoid stress
- Maximized borrowing assessment for larger properties
Remortgaging
Is your fixed-rate deal ending in the next 6 months? Avoid defaulting to expensive Standard Variable Rates (SVR) by locking in a new deal early.
- Lock in deals up to 6 months before fixed deal expires
- Capital raising for home improvements or consolidation
- Product transfers vs new lender cost comparison
Self-Employed Applicants
Sole traders, company directors, and contractors often face strict lender criteria. Laurence knows how to present income accurately.
- Uses SA302s, tax overviews or company net profit
- 1 year of accounts accepted by select lenders
- Tailored presentation for complex income structures
Buy to Let
For first-time or seasoned landlords expanding property portfolios in London and the Home Counties.
- Rental yield stress test calculations
- Limited company (SPV) vs personal ownership advice
- Portfolio refinancing and equity release
Existing Homeowners & Equity Release
Options for mature homeowners seeking to unlock property value or adjust mortgage terms into retirement.
- Interest-only mortgage term transitions
- Lifetime mortgages and regulated equity release
- Family gifting and generational wealth planning
Ready to Discuss Your Mortgage Target?
Book a home consultation to speak directly with Laurence Clarke. No pressure, no obligations.