Independent advice across the whole market. No tied lenders. No preferred relationships. Just a clear-eyed assessment of every option available to you — and a recommendation you can trust.
Most brokers search a panel.
We search the whole market — and we answer to you, not to the lender.
The difference between a tied broker and a truly independent one isn't just philosophical — it shows up in the rate, the lender, and the long-term cost of your mortgage. When you work with Lawes Financial, every recommendation starts from the same place: what is genuinely right for you, in your situation, right now.
With access to over 40 lenders — including specialist providers unavailable through high-street banks and comparison sites — we can match your case to lenders who will actually look at it favourably, rather than forcing your circumstances into a product that almost fits.
"The right mortgage isn't always the most obvious one. It's the one that fits your life, your income, and your next ten years — not just the next two."
The mortgage market is complicated enough when you know what you're doing — and even more so when it's your first time. We cut through the noise — explaining clearly what you can borrow, which products suit you, and what the true cost looks like across the full term.
We help with deposit strategy, government schemes, and making sure your application is presented in the strongest possible light from the outset.
Whether you're upsizing, downsizing, or relocating, we review your existing mortgage position alongside the new purchase — and find the structure that works across both. Nothing is assumed. Everything is considered.
Port, remortgage, or start fresh — we advise on the decision that saves you money over time, not just in the short term.
If your fixed rate is ending — or has already ended — you may be paying significantly more than you need to. We review the full market, including your existing lender's retention deals, and advise on the switch that actually makes sense.
We also handle capital raising remortgages for home improvements, debt consolidation, or releasing equity for investment.
Self-employed, contractor, limited company director, or multiple income streams — these cases require a lender who understands how to assess income correctly, and a broker who knows which lenders those are.
We know which lenders use net profit, which use salary and dividends, and which offer genuine flexibility for non-standard income. We've done this before. Many times.
High-value residential mortgages require lenders with higher income multiples, manual underwriting, and the appetite for large loan cases. The high street rarely delivers the best outcome at this level. We know where to go.
Private banks, specialist lenders, and tier-one providers — we access the full range and present your case with the detail it deserves.
A decline from one lender is not a verdict on your borrowing ability — it's a signal that the wrong lender was approached. We reassess the case from the beginning, identify the correct lender, and approach them correctly.
We also advise on what to address before applying, to give your case the strongest possible foundation.
"The advice is only as good as the person giving it. And that person should be accountable for every decision — not just the ones that worked out."Nathan Lawes — Director & Principal Adviser
Most brokers access 15–25 lenders from a curated panel. We access 40+, including specialist lenders who don't appear on comparison sites. More options means a better outcome — particularly for complex or non-standard cases.
We have no commercial arrangements that influence which lender we recommend. No volume bonuses. No preferred placement deals. The recommendation you receive is based entirely on what is right for your situation.
Every recommendation is held to FCA Consumer Duty standards — meaning we must demonstrate that what we advise genuinely serves your interests. It's not just a regulatory requirement. It's how we work.
The lender that's right for your case isn't always the one with the lowest headline rate. Knowing where to go — and how to present a case to get the result it deserves — comes from experience that can't be replicated by a comparison engine.
We start by understanding your situation properly — income, commitments, plans, and priorities. No forms, no jargon. A real conversation about what you're trying to achieve.
We search the whole market, assess lender criteria against your profile, and return with a clear recommendation — explained in plain English, with full fee and cost disclosure before any commitment.
We manage the entire process — application, lender liaison, valuation, solicitor coordination. You'll always know where things stand. We stay involved until completion, and long after.
If your question isn't here, ask it. Every enquiry is handled personally by Nathan — not a team, not a system, not a chatbot.
Tell us about your situation and we'll give you an honest picture of your options — before you commit to anything. Every enquiry is handled personally by Nathan.
FCA regulated · Whole-of-market · Independent advice