We’ve collated a list of most commonly asked questions below by topic so you can find what you need more easily.
Mortgages
Yes. We guide first-time buyers through the entire process, from understanding affordability and deposits to securing a mortgage and completing your purchase.
No. We have access to a wide range of lenders, including high-street banks, building societies, and specialist lenders, many of which you can’t approach directly.
Absolutely. We regularly work with self-employed clients, company directors, contractors, and those with multiple income streams.
Yes. We’ll explain the differences clearly and help you choose a product that suits your goals, risk tolerance, and future plans.
Timescales vary depending on the lender and complexity of the case, but we’ll keep you informed at every stage and manage the process on your behalf.
Protection & Insurance
If you have a mortgage, dependants, or shared financial commitments, life insurance can provide vital security. We’ll help you decide what’s appropriate, and what isn’t.
Critical illness cover pays a lump sum on diagnosis of certain conditions. Income protection pays a regular monthly income if you’re unable to work due to illness or injury. They serve different purposes and are often complementary.
For many people, yes. Your income underpins your entire financial life. Protecting it can be one of the most important decisions you make.
In many cases, yes. We’ll review your cover as your circumstances change and adjust where appropriate.
Yes. We can help arrange suitable cover for your home and belongings, often alongside a purchase or remortgage.
Commercial Mortgages
We advise on a wide range of commercial and semi-commercial properties, including offices, retail units, mixed-use buildings, and trading premises.
Yes. We regularly arrange finance for limited companies, partnerships, and SPVs.
This varies depending on the property, business profile, and lender, but deposits are typically higher than residential mortgages.
Yes, and that’s where experienced advice matters. Structure, lender appetite, and future plans all play a significant role.
Bridging Finance
Bridging finance is short-term funding often used for auctions, chain breaks, refurbishments, or where speed is essential.
In some cases, funds can be released within weeks, sometimes faster, depending on the circumstances and documentation.
Yes. A defined exit (such as sale or refinance) is essential, and we’ll help ensure this is realistic from the outset.
Second Charge Mortgages
It’s a loan secured against your property alongside your existing mortgage, often used when remortgaging isn’t suitable.
Your first mortgage remains in place. We’ll explain how the two loans interact and assess affordability carefully.
Costs vary. We’ll compare options and ensure the overall solution represents fair value for your situation.
Equity Release
Equity release is available to homeowners aged 55 and over and can provide access to property wealth in later life.
Yes. With most modern equity release products, you retain ownership of your property.
Absolutely. We encourage open discussions and can involve family members where appropriate.
About Lawes Financial
We have access to a wide range of lenders and insurers and provide advice based on suitability and value.
Fees vary depending on the service provided. Any fees will always be explained clearly and agreed upfront.
Yes. You’ll have a dedicated adviser from initial conversation through to completion, and beyond.
Yes. We’re here for the long term, not just the transaction.