Business Details
23 Years
experience
Trusted Mortgage and Financial Advisers in Lancashire
Established over 25 years ago, our firm specialises in mortgage and financial advice, regulated directly by the Financial Conduct Authority. We prioritise transparency, offering independent guidance tailored to individual client needs. Our nationwide service covers a comprehensive range of mortgage products, including new build home loans, buy-to-let, and adverse credit scenarios. With access to exclusive deals through multiple lenders, we ensure competitive rates without charging broker fees until formal offers are secured.Our experienced team delivers a stress-free process, combining expertise with a commitment to exceptional customer service. We provide free initial consultations and clear, jargon-free explanations of all financial products. Our longevity and client testimonials reflect our dedication to achieving optimal outcomes for every client.
Services
Mortgages
Re-mortgages
Buy to Let
First Time Buyer
Self-Employed Mortgages
Adverse Credit Mortgages
Equity Release
Critical Illness Insurance
Life Insurance
Home Insurance
Details
- Year established: 2003
Highlights and features
- We have over 25 years of experience in the mortgage sector
- We are directly regulated and authorised by the Financial Conduct Authority
- We don't charge a broker fee on application
- We cover the whole of the UK
- We have access to exclusive deals
Associations and certifications
- Financial Conduct Authority
What people say
Stress free process
Explained everything well
Quickly and efficiently
Trusted mortgage specialists
Competitive deals
Services
Mortgages
We provide comprehensive mortgage solutions tailored to individual circumstances, including new build properties and complex cases. Our independent status grants access to a wide range of lenders, ensuring competitive rates. With over 25 years' experience, we guide clients through every step of the mortgage process.
Re-mortgages
Our re-mortgage service helps clients secure better rates or release equity from their properties. We specialise in early re-mortgaging up to 12 months before deal expiration. Our FCA-regulated team ensures smooth transitions without upfront fees until formal offers are secured.
Buy to Let
We offer specialist buy-to-let mortgage advice for property investors. Our service includes portfolio landlord support and equity release options. With access to exclusive lender deals, we help clients maximise returns while navigating complex property market requirements.
Adverse Credit Mortgages
Our team specialises in mortgage solutions for clients with adverse credit histories. We work with specialist lenders to find viable options while providing clear guidance on improving creditworthiness. This service includes detailed affordability assessments and tailored financial advice.
Equity Release
We provide regulated equity release schemes for homeowners seeking to access property wealth. Our advice covers lifetime mortgages and sale-and-rent-back options. We ensure clients understand long-term implications while finding suitable financial solutions for retirement or major life events.
People
John Earnshaw
Director and Independent Mortgage Adviser
With over 25 years in the mortgage sector, John leads our team with extensive industry knowledge. He specialises in complex mortgage cases and ensures all clients receive transparent, tailored financial advice while maintaining FCA compliance standards.
Sarah Tomlinson
Independent Mortgage Adviser
Sarah brings specialist expertise in buy-to-let and investment mortgages. With 15 years' experience, she helps property investors maximise returns through strategic mortgage solutions while maintaining our firm's commitment to client-focused service.
Jake Quinn
Independent Mortgage Adviser
Jake specialises in first-time buyer mortgages and adverse credit cases. His approach combines technical expertise with clear communication, helping clients navigate complex financial situations while adhering to FCA regulatory requirements.
Paula Whetton
Office Manager
Paula oversees daily operations and client coordination. With 10 years in financial services administration, she ensures efficient case management and maintains our commitment to prompt, professional service delivery across all mortgage transactions.
Lynne Goodier
Personal Assistant
Lynne provides essential support to our mortgage advisers, managing client communications and documentation. Her organisational skills contribute to our streamlined mortgage process, ensuring timely completion of applications while maintaining high service standards.
Questions
What mortgage services do you offer?
We provide all mortgage types including new build, buy-to-let, remortgages, adverse credit, and equity release. Our FCA-regulated team offers independent advice across the UK.
How are you different from other mortgage advisers?
We combine 25+ years' experience with FCA regulation, no upfront fees, and exclusive lender deals. Our team provides clear, jargon-free advice tailored to individual circumstances.
Do you charge broker fees?
We only charge broker fees once a mortgage case reaches formal offer stage. There are no upfront application fees, ensuring our success aligns with client outcomes.
Can you help with adverse credit mortgages?
Yes, our specialists work with specialist lenders to find mortgage solutions for clients with adverse credit histories, providing tailored advice to improve approval chances.
Do you offer remote consultations?
We provide consultations via telephone, Microsoft Teams, or Zoom, alongside face-to-face meetings. This flexibility ensures convenient access to our mortgage advisory services.
How can I check my credit report?
We provide a direct link to check credit files through major credit reference agencies, helping clients understand their credit position before mortgage applications.
Reviews (5)
Joanne Harrison
Jun 16, 2022
Report
Once again, a brilliant service from Sarah and her colleagues. This is the second time she has helped us mortgage a property and I really trust her to find us the best options for our circumstances. Really straightforward to deal with and quickly responds to queries. We wouldn't use anyone else!
Chris Mustow
May 22, 2022
Report
Fantastic service from John and his team, would highly recommend to anyone. They are very knowledgeable. Many thanks. Chris M
Chelsea Ladish
Feb 03, 2022
Report
Excellent attention to detail, and very knowledgeable. I was made to feel valued, and I would highly recommend. Thanks again!
Joe Mellor
Jan 23, 2022
Report
Couldn't recommend John and the team enough. Very helpful and have made the process of getting a mortgage very seamless!
Tony Johnstone
Jan 20, 2022
Report
We would highly recommend John who went above and beyond to secure the best mortgage deal for us. He is incredibly approachable, friendly and knowledgeable and we will definitely be going to see him again in the near future. Thank you for helping us buy our first home.
