Welcome to Modern Business

 

Providing a personal, highly attentive service- and freeing up your time for the things you do best- we take a totally holistic approach to mortgage and protection advice. One that establishes your objectives, reviews your existing products and portfolios, works with you to identify your needs and long term goals and highlighting any areas of concern and embracing such issues as your protection provision.

Michelle is fully CeMap qualified (Certificate in Mortgage Advice and Practice) and is friendly and approachable.

Lawson Financial Ltd is an impartial, whole of market mortgage advisors with nearly 10yrs experience in the industry from a local estate agency background. With flexibility in mind, your situation can be discussed either over the phone, face to face or via email and at a time that is convenient to you. Working on your behalf, Lawson Financial is focused on providing professional, solid and sound advice on the best mortgages and protection products on the market whilst offering an extremely high service standard which results in repeat business and recommendations.

The aim is to save you money and make long term relationships with all customers and ensure all transactions run as smoothly as possible. Advice is offered for First Time Buyers, Next Time Buyers, Remortgages, Government Schemes, Buy to Let and more. With expert knowledge on the protection products that run alongside mortgages as well as good relationships and contacts at most of the lenders and insurers which has been built over the years, an understanding of individual circumstances, unusual builds and criteria please get in touch and see how they can help you!

We normally charge a fee for mortgage advice; however, this will be dependent on your circumstances. Our typical fee is £295.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
 

Secured Loans and Bridging Finance are arranged by introduction to a specialist in this area.

Remortgage

Remortgaging (also known as re-financing) by paying off one mortgage with the proceeds of another on the same property? If you are looking to make sure you have the best deal possible then look no further. You may want to borrow more money to make improvements to your home or expand your property or use some of your equity in another way- whatever your circumstances we can help.

Buying at Auction

Finance can be arranged to enable you to buy at Auction on any property and up to 100% loan to value (subject to terms and conditions). Does the property need work doing to it that would mean you may not get a normal mortgage? Is the property non-standard construction? This could be the way to fund your next property purchase- get in touch if you think this may suit you.

Impaired Credit

Do you have CCJ’s? Have you been repossessed or bankrupt in the past? Maybe just a minor blip on your credit history with defaults or missed/late payments that are affecting your ability to obtain a mortgage? Contact Lawson Financial Ltd to see what your options are.

Secured Loans

A Secured Loan, a 2nd legal charge on your property in addition to your main mortgage. Maybe you want to consolidate debt or you can’t remortgage with your current lender- this could be the best way forward for you. Contact Lawson Financial for full information on how this can benefit you.

Help to Buy

There are currently a few schemes where the Government will assist you in buying a home. There is Help to Buy Guarantee (which ends 31st December 2016), Help to Buy Equity Loan, Help to Buy ISA and Shared Ownership. Lawson Financial are approved by Help to Buy South to ensure you get the best advice and assistance possible. To see if you qualify, please don’t hesitate to get in touch.

Forces Help to Buy

Launched in April 2014, aimed at all forces personnel that meet the guidelines and will provide the facility to borrow up to 50% of their annual salary, to a maximum of £25,000 interest free. This can be used towards a deposit and other costs such as solicitor’s and estate agent’s fees. Get in touch for more information on how this scheme may help you.

Next Time Buyer

Buying another property to move into? Lawson Financial can help with your onward purchase and even look at porting your current mortgage product (subject to terms and conditions) and give you the best advice from a plethora of products and lenders to meet your needs and circumstances.

Bridging Finance

Need to bridge the gap in property ownership? A short term lending (usually for up to 12mths) that can be used if your chain breaks or if you need to renovate a property before borrowing on a mainstream mortgage. It can also be used to face an unexpected bill or raise money simply for cash flow. If you think this will help you get in touch!

First Time Buyer

Are you buying your first home? Are you looking into what options are available to you, how much you can borrow and what your monthly repayments would be? Lawson Financial are here to hold your hand through the complete process from start to finish and give you the best advice possible for your new venture and next step in your life.

Government Schemes

Lawson Financial are experienced in dealing with the Government schemes- whether you are looking at shared ownership with your local housing association, the NewBuy scheme or the Help to Buy schemes- your first property could be yours with just a 5% deposit (subject to terms and conditions). Get in touch to see if this could be right for you.

Buy to Let

Do you have cash in the bank earning very little interest? Looking for an alternative pension provision? Wishing to grow your portfolio of rental properties? Purchasing a rental property could give you an income both now and in the future and make your money work smarter for you. Lawson Financial have expertise in building portfolios and offering advice on buying the right property and optimising the income you receive. Contact Lawson Financial to see how this will benefit you.

New Build

Lawson Financial have a vast knowledge dealing with New Build properties and the conditions that come with this. They have access to the Government NewBuy scheme as well as a full understanding of the wishes and timescales of the builders and developers along with incentives they offer. Is your next step a home that you can move straight into? Get in touch to find the best deal for you.

Self Build

Can’t find the right house with the right layout? Found the right spot for your home but no property available? Have you thought about building your own? Contact Lawson Financial who can give you the best advice on how to do this with options of either stage payments in arrears or advance to suit your project.

Overseas Mortgages

Lawson Financial has access to mortgages in 25 countries worldwide including direct access to the whole French market. Are you an ex-pat or foreign national (exclusions apply) looking to buy a rental property in the UK? We can look at helping you realise this opportunity. Get in touch to discuss the options available to you.

Commercial

Lawson Financial can arrange finance on anything from land to a premises with a commercial use. If you want us to review your current finance or you are wanting to try and raise funds for a development, let us see how we can help you.

We have so much more information that we would love to share with you so please get in touch
Lawson Financial Ltd authorised and regulated by the Financial Conduct Authority.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Lawson Financial Ltd authorised and regulated by the Financial Conduct Authority.



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PDF Instructions for you to download
A Helping Hand With Owning Your Own Home.

Buying your own home is a important commitment, so it's important to arrange with your advisor the right insurance cover.
Read More In the Guide.


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Registered Office: Lawson Financial Ltd, 8 Biscay Close, Hill Head, Fareham, Hampshire PO14 3RG. Registered Company Number: 09000180. Registered in England and Wales.

Lawson Financial Ltd.
8 Biscay Close
Fareham, PO14 3RG
P: 01329 556553
Email Us: [email protected]

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