01 · Mortgages
Residential mortgages
Moving home? Ideally speak to us before you put your home on the market.
Residential mortgage advice →Mortgages, property finance and protection for the life you’re building.
Choose where you are on the line, or find out where you stand in a few minutes.Tap where you are, or find out where you stand in a few minutes.
See what buying adds up to, then I’ll take you through each step to the keys.
Moving up, moving on or relocating: see what you could borrow for your next home.
When your deal ends, compare staying with your lender and switching, side by side.
Buy-to-let, portfolios and limited companies, with the rent tested before you commit.
Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
A UK mortgage while you live overseas, including income paid in another currency.
More from your lender, a remortgage or a second charge mortgage, compared side by side.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Bridging while a purchase, sale or project completes, and commercial mortgages for business premises and investment.
Unregulated bridging loans (for investment or business purposes) are not regulated by the Financial Conduct Authority. Commercial mortgages for business or investment purposes are not regulated by the Financial Conduct Authority.
Protect your income and your family. No-fee protection review No-fee protection review If you couldn’t work, how would the mortgage be paid? No-fee review No-fee protection review A bigger mortgage, the same cover? No-fee protection review No-fee protection review A new deal, the old cover? No-fee protection review No-fee protection review Your portfolio depends on you. No-fee protection review No-fee protection review More borrowing, the same cover? No-fee review No-fee protection review If the business relies on you, protect it. No-fee review No-fee business protection review
Thinking about equity release? Specialist introductions Equity release introductions 20+years of experience80+lenders5.0on Google · 7 reviewsas of 20 October 2026 · Read all reviews
What I help with
Mortgage, property finance and protection services.
Lawes Financial is an independent, whole-of-market broker for mortgages, property finance and protection. Nathan Lawes advises first-time buyers, movers and landlords in the UK, and expats overseas on UK mortgages, splitting his time between London and Spain. Lawes Financial Limited is an appointed representative (FRN 1046161).
02 · Mortgages
First-time buyers
Lifetime ISAs, gifted deposits, family-assisted and guarantor mortgages, and shared ownership are all arranged.
First-time buyer mortgages →03 · Mortgages
Remortgaging
Start three to six months before your fixed rate ends.
Remortgaging your UK home →04 · Mortgages
Buy-to-let & portfolio
Limited company buy-to-let is arranged regularly, and portfolio landlords with four or more properties are handled.
Buy-to-let mortgage advice →05 · Mortgages
Expat & overseas
The whole process runs remotely — video calls, e-signatures, and no need to travel to the UK.
Expat and overseas mortgages →06 · Mortgages
Second charge
A second charge mortgage — also called a secured loan or homeowner loan — sits behind your main mortgage and leaves it untouched.
Second charge mortgages →07 · Mortgages
Bridging finance
Short-term lending secured on property, designed to be repaid in months rather than years.
Bridging finance advice →08 · Mortgages
Commercial & development
Owner-occupied, investment and mixed-use lending are judged on different things.
Commercial mortgages →09 · Later life
Equity release (referral)
Lawes Financial does not give advice on equity release. If you’d like to explore equity release, we will introduce you to a specialist firm that is authorised and regulated by the Financial Conduct Authority, and they will give you advice.
Request an introductionIf you go ahead, the firm we introduce you to pays Lawes Financial a referral fee. You don’t pay it, and it doesn’t affect the advice you receive or the terms you’re offered.
Equity release introductions →10 · Protection
Life insurance & protection
Whole of market for protection, and no fee for the advice — we are paid by commission from the insurer.
11 · Protection
Home and landlord insurance
A let property needs landlord insurance, not an ordinary home policy.
Home and landlord insurance →Mortgages
- 01Residential mortgagesBuying or moving home, including self-employed income and larger loans.
- 02First-time buyersFrom what you could borrow to the day you get your keys.
- 03RemortgagingWhen your deal ends: stay with your lender or switch, with the costs compared.
- 04Buy-to-let & portfolioIndividual landlords, limited companies and portfolios.
- 05Expat & overseasA UK mortgage while you live abroad, including income in another currency.
- 06Second chargeA second loan secured on your home, alongside the mortgage you already have.
- 07Bridging financeShort-term finance while a purchase, sale or refurbishment completes.
- 08Commercial & developmentBusiness premises, commercial investment and development.
Later life
- 09Equity release (referral)Lawes Financial does not give advice on equity release. If you’d like to explore equity release, we will introduce you to a specialist firm that is authorised and regulated by the Financial Conduct Authority, and they will give you advice.
Protection and insurance
- 10Life insurance & protectionLife, critical illness and income protection. No fee for advice: paid by commission from the insurer.
- 11Home and landlord insuranceBuildings, contents and landlord cover.
Try it
When could you be mortgage-free?
Overpay a little each month and watch the date move.
Use your own figuresMortgage-free by
An illustration on a £220,000 repayment mortgage with 22 years left at an illustrative 4.5%, if your lender shortens your term. Illustrations, not advice. Check your lender’s overpayment allowance first: going over it can mean an early repayment charge.
About
Meet Nathan Lawes, your mortgage adviser.
The right structure, the right lender, the right timing: these decisions shape how you live and what you build. I’ll think through the whole picture with you, and tell you what I actually believe, even when it isn’t what you hoped to hear.
London-based, I split my time between London and Spain and work with clients across the UK and overseas. You deal with me from the first conversation to completion.
Rates change. Good advice lasts.
Mortgage adviser · 20+ years of experience
Lawes Financial Limited (FRN 1046161) is an appointed representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 304904).
In their words
Client reviews.
Everything felt far simpler and less stressful than I expected. Always approachable, quick to respond, and clear without being overwhelming — I genuinely felt like you had my best interests at heart throughout. The whole process was smooth and well-managed from start to finish.
Shown as written, with permission. Figures are the loan or purchase amount.
Protection
Life and income protection, reviewed at no fee.
If you couldn’t work for a while, how would the mortgage be paid? A protection review looks at the cover you already have and what, if anything, is missing.
Start your protection review- No feeFor protection advice. We’re paid by commission from the insurer.
- Protection is optional and never a condition of your mortgage.
- If you stop paying your premiums, your cover will end.
How it works
How mortgage advice works, with one person.
No hand-offs and no call centre. You know who is looking after you, and where things stand.
The full process- 01
Tell me where you are
A few minutes online, or a call. No credit check and no obligation.
- 02
I search and recommend
I compare 80+ lenders and come back with a clear recommendation, and the reasons for it in plain English.
- 03
I see it through
I handle the application with the lender and your solicitor, and keep you posted until it completes.
Our standard fee is £495, payable when your application is submitted. In some more complex cases, an additional broker fee of up to 1% of the loan may apply. The first conversation is always free, and we always confirm your total fee in writing before any work starts.
Find out where you standNo credit check · no obligation
Questions
Mortgage advice questions.
What does Lawes Financial help with?
Lawes Financial gives independent, whole-of-market advice on residential mortgages, first-time buyer mortgages, remortgaging, buy-to-let and portfolio mortgages, expat and overseas mortgages, second charge mortgages, bridging finance, and commercial and development finance, plus life insurance, critical illness cover, income protection, and home and landlord insurance. For equity release, we introduce you to a specialist firm.
Who will I deal with?
Nathan Lawes handles each case himself, from the first conversation to completion.
How much does mortgage advice cost?
Our standard fee is £495, payable when your application is submitted. In some more complex cases, an additional broker fee of up to 1% of the loan may apply. The first conversation is always free, and we always confirm your total fee in writing before any work starts.
Do you charge for protection advice?
No. There is no fee for protection advice: we are paid by commission from the insurer.
Is Lawes Financial independent?
Yes. Advice is independent and whole-of-market. Lawes Financial Limited (FRN 1046161) is an appointed representative of Andrew Charles Consulting Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 304904).
Where is Nathan based?
Nathan is London-based and splits his time between London and Spain. He works with clients across the UK and with people living abroad who need a UK mortgage.
Do you arrange bridging and commercial finance?
Yes: bridging while a purchase, sale or project completes, and commercial mortgages for business premises and investment, from the whole of the market. Unregulated bridging loans (for investment or business purposes) are not regulated by the Financial Conduct Authority. Commercial mortgages for business or investment purposes are not regulated by the Financial Conduct Authority.
Do you advise on equity release?
Lawes Financial does not give advice on equity release. If you’d like to explore equity release, we will introduce you to a specialist firm that is authorised and regulated by the Financial Conduct Authority, and they will give you advice.
Talk it through
Tell me what you’re planning. We’ll work out the rest together.
A first conversation by phone or video, at a time that suits you. It costs nothing and commits you to nothing.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.