The process

Simple. Clear.
On your side.

From the first conversation to completion — and long after — this is what working with Lawes Financial actually looks like.

Step 01 — Getting started

A first
conversation

No forms. No jargon. No obligation. We start with a straightforward conversation about what you're trying to achieve — whether that's buying your first home, refinancing, protecting your family, or something more complex.

This is an open discussion, not a sales process. We want to understand your situation clearly before offering any advice.

Building the picture
Step 02 — Building the picture

Understanding
your position

Good advice depends on understanding the detail. We look carefully at income, commitments, plans, and priorities — not to generate a report, but to understand what's genuinely possible and what structure is right for your specific situation.

Intelligent systems help us work efficiently. But the assessment — and the recommendation — is always personal, always Nathan.

Step 03 — Finding the right solution

Research &
recommendation

We search across 40+ lenders — no preferred relationships, no commercial bias. We assess criteria, pricing, flexibility, and long-term impact, then return with a clear recommendation and a plain-English explanation of exactly why it's right for you.

You will always understand what you're being advised and why, before any decision is made.

"The advice is only as good as the person giving it —
and that person should be accountable for every decision."
Nathan Lawes — Lawes Financial
Application and active management
Step 04 — Managing the process

Application &
active management

When you're ready to proceed, we handle everything. Applications, lender liaison, solicitor coordination, valuers, timescales. We stay actively involved throughout — you always know where things stand, and issues are resolved before they become problems.

You won't be passed to an administrator. Every update comes from Nathan directly.

Step 05 — The long view

Completion —
and beyond

Getting the keys is the beginning of our relationship, not the end. We remain available as your circumstances change — for reviews, questions, remortgages, second properties, or anything else that comes next in your financial life.

We build long-term relationships. Most clients return. Most refer their family and friends.

Our commitment to you
01
Plain English, always
Every recommendation comes with a clear explanation — what it is, what it costs, what it means for you. No jargon, no assumptions.
02
Suitability over simplicity
We recommend what's right for your situation — not what's easiest to arrange or what earns the highest commission.
03
Transparent costs
Fees are confirmed in writing before we begin. You'll never discover a charge you weren't told about at the start.
04
Personal accountability
Nathan handles every case. No junior advisers, no handoffs. The person who advises you is responsible for the outcome.
Transparent pricing

Fees confirmed
before we begin

You'll know exactly what you're paying before work begins — no surprises, no hidden charges. Here is how our fee structure works, explained plainly.

£495
Initial advice fee
Payable when we begin your application. This covers research, preparation, and the time invested in your case — regardless of complexity.
£0 – 1%
Broker fee
A broker fee of up to 1% of the loan amount applies on certain cases — confirmed in writing before we begin, never on completion. Many straightforward cases carry no broker fee at all.
£0
Protection advice
No fee for life insurance, critical illness, or income protection advice. We are paid a commission by the insurer only if you choose to proceed.

We also receive a procuration fee from the lender on mortgage cases. This is always disclosed in full within your Mortgage Illustration before you make any commitment.

Common questions

If something isn't answered here, just ask. Every enquiry is handled personally by Nathan — not a team, not a system.

Get in touch
Do I need a perfect credit score?
Not at all. We work with clients across the full range of credit histories — including those who have been declined elsewhere or have complex financial backgrounds. We'll give you an honest assessment of your options and approach only lenders we know are suitable for your profile.
How long does the process take?
From first conversation to mortgage offer typically takes 2–6 weeks, depending on the lender and the complexity of your case. We'll give you a realistic timeline upfront and keep you informed at every stage — no chasing required on your part.
Can you help if I'm self-employed?
Yes — and this is an area we know well. Self-employed income, contractor structures, limited company directors, and complex income arrangements all require careful handling and the right lender. We know which lenders are flexible and how to present your case effectively.
What does whole-of-market actually mean?
It means we are not tied to any bank, lender, or insurer. We access 40+ lenders and recommend what is genuinely best for your situation — not what earns the highest commission, and not what's easiest to arrange. Independent advice, backed by the whole market, without exception.
What if my application is declined?
We work hard to prevent this by only approaching lenders we are confident are right for your case. If something unexpected arises, we regroup, reassess, and find another route. A declined application isn't the end of the road — it's a redirect. We stay with you until there is a resolution.

Ready to take
the first step?

A direct conversation with Nathan about your situation — no forms, no pressure, no jargon. Every enquiry is handled personally. You'll hear back the same day.

Speak with Nathan Explore services

FCA regulated · Whole-of-market · Every case, personally handled.