Talk →
What we do

Every stage.
Every type.
One broker.

“Whole-of-market means we are never tied to a single lender — we find what is genuinely right for you, every time.”

Whether you are buying your first home, building a portfolio, bridging a gap, or protecting what matters most — we have the expertise and lender access to help. One relationship. Consistent advice. No handoffs, ever.

Appointed representative · FRN 1046161Whole-of-marketIndependent advice
Mortgages & Finance

Every type of property finance,
handled properly.

All services →
01Residential MortgagesMost popular

Buying, moving, or remortgaging — including complex income, self-employed applicants, and large loans. We search the whole market and recommend what is genuinely right for your situation.

Explore residential →
PurchaseRemortgageSelf-employedLarge loansPreviously declined
02First-Time BuyersFirst steps

Your first home is one of the biggest decisions you will make. We guide you through every step — from understanding what you can borrow to the day you get your keys.

First-time buyer guide →
AffordabilityShared ownership5% depositMortgage in principle
03Buy-to-LetInvestment

Individual landlords or portfolio investors. Standard BTL, HMO, limited company structures, and multi-unit properties — advised with the right level of strategic complexity.

Buy-to-let mortgage advice →
IndividualSPV / Ltd CoHMOPortfolio landlords
04Overseas & InternationalInternational

Anyone based outside the UK investing in UK property — any nationality, any currency. Specialist lenders, international income accepted, and structures arranged correctly from the outset. Fully remote, personally managed.

Explore overseas mortgages →
Any nationalityForeign currencyBTL & residentialFully remote
05Bridging FinanceShort-term

Fast, flexible funding for time-sensitive situations — auction purchases, chain breaks, refurbishment projects, and development exit strategies. Decisions in days. Completions possible within weeks.

Explore bridging →
AuctionChain breakRefurbishmentDevelopment exit
06Commercial FinanceBusiness property

Owner-occupied business premises and commercial investment property. Lenders who understand EBITDA, DSCR, tenant covenants, and lease structures — not just personal affordability.

Explore commercial →
Owner-occupiedCommercial investmentMixed-use
07Second Charge MortgagesCapital release

Raise capital against your property equity without disturbing your first mortgage — no early repayment charges, no losing a competitive rate. We assess all three routes before advising.

Explore second charge →
Home improvementDebt consolidationInvestment depositBusiness capital
08Equity Release (referral)Referred service

Equity release requires dedicated qualifications and specialist lenders. We refer to personally vetted later-life specialists whose standards we would hold ourselves to — and remain available throughout. Referral fees are disclosed upfront.

Learn about equity release →
Lifetime mortgageHome reversionAge 55+Specialist referral
Beyond our direct scope

Specialist introductions.
Referred with full confidence.

Where we do not advise directly, we refer to personally vetted specialists whose standards we would hold ourselves to.

Referred service

Equity Release

Equity release requires dedicated qualifications, specialist lenders, and an adviser whose entire practice is focused on later-life lending. We refer to personally vetted specialists — and remain available to you throughout. Referral fees are disclosed upfront.

Equity release

“A lifetime decision that deserves a specialist — not a generalist wearing two hats.”

Equity release requires dedicated qualifications, specialist lenders, and an adviser whose entire practice is focused on later-life lending. We refer to personally vetted specialists and remain available throughout. Referral fees are disclosed upfront.

Learn about equity release
Protection & Insurance

The mortgage is
one part of the picture.

No advice fee — commission only
01
Tell us your situation

A free, no-obligation conversation. No forms, no jargon — just an honest discussion about where you are and what you need.

02
We search the whole market

80+ lenders assessed against your specific circumstances. No preferred relationships, no commercial bias. The right answer, every time.

03
We handle everything

Application, lender liaison, solicitor coordination — managed personally by Nathan from first conversation to completion and long after.

Why Lawes Financial

One adviser.
Total accountability.

We are not a volume business. Every client gets Nathan directly — from first call to completion and long after.

Independent
Not tied to any lender or insurer. We recommend what is genuinely right — with no commercial bias, no preferred relationships, no quotas.
Senior expertise
In financial services since 2004. Complex cases handled with the experience and confidence they demand — never passed to a junior adviser.
Whole-of-market
80+ lenders, the full range of insurers. We access what high-street banks and tied brokers simply cannot offer.
Appointed representative
Consumer Duty at the core. Each recommendation puts your interests first.

Not sure
where to start?

A direct conversation with Nathan — no forms, no pressure, no obligation. Tell us your situation and we'll point you in the right direction. Even if that direction is not us.

Appointed representative · FRN 1046161 · Whole-of-market · Independent advice

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.