Janine Taylor
Contact

Mortgages

From first-time buyers to investment properties, I understand that every client is unique. 

First-time buyers

Buying your first property can be overwhelming, so it’s recommended to seek advice as early in the process as possible.

I can walk you through all the available options and explain how the buying process works.

I’ll make sure you know all the costs involved and what you can afford, so you’re confiendent in taking the next step.

Moving home​

Moving to a new home can be a very stressful experience, so finding the right mortgage for you is key.

Whether you are downsizing, relocating, or buying your dream home, I’m here to ensure the process is as smooth as possible.

With whole of market access, I’m well placed to find the most suitable option for you.

Remortgaging

You may be looking for a better deal, or want to raise money for home improvements; there are many reasons why people consider re-mortgaging.

I can provide professional advice to help you secure the most suitable deal available to you.

Buy-to-Let

There can be challenges when finding a buy-to-let mortgage, with lenders taking many factors into account.

I aim to provide straightforward advice, tailored to your personal circumstances.

Mortgages for Contractors, Professionals and Complex Income

We help contractors, tradespeople, skilled professionals and overseas clients secure mortgages when income or circumstances are not straightforward.

If your income does not fit a standard payslip model, or you have been declined by a high street lender, we work with specialist lenders who assess affordability based on how you actually earn.

Who We Help

Contractors, Trades and Flexible Employment

We support clients working under a wide range of employment and contract structures, including:

  • Limited company contractors
    (IT, Engineering, Oil & Gas, Construction, Energy)

  • CIS and self-employed tradespeople
    (Electricians, plumbers, joiners, builders)

  • Umbrella company workers

  • Day-rate and contract-based income

  • Short contract histories

  • Multiple or renewed contracts

  • Recently changed contracts

UK Expats and Overseas Workers

Living or working overseas does not prevent you from buying or refinancing property in the UK. We work with lenders experienced in overseas income and residency scenarios.

We help clients who are:

  • UK expats living abroad

  • Paid in foreign currency

  • Employed on overseas contracts

  • Non-UK tax resident

  • Returning to the UK

  • Buying buy-to-let property as an expat

  • Limited UK credit history

Visa Holders and Overseas Nationals in the UK

If you live and work in the UK on a visa, you may still be eligible for a mortgage, even with short UK residency or limited credit history.

We regularly assist clients with:

  • Skilled Worker visas

  • Health and Care Worker visas

  • Global Talent visas

  • Tier 2 and other work visas

  • Short UK residency

  • Limited UK credit history

  • Large deposit options

Complex Income Cases

We specialise in cases where income comes from more than one source or does not follow a traditional structure.

This includes:

  • Multiple income streams

  • Contract income

  • Overseas income

  • Salary and dividends

  • CIS and PAYE income

  • Foreign currency earnings

  • Irregular or variable bonuses

Nationwide and International Support

We are based in Kent but support clients across the UK and internationally, using phone, video and secure online systems.

We regularly work with clients in London, Manchester, Birmingham, Leeds, Bristol, Scotland and internationally.

Important note for overseas and non-UK clients

Advice can only be provided when both you and your adviser are physically in the UK at the time the advice is given.

For overseas clients, expats and foreign nationals, eligibility for advice depends on your residency status, visa type and how long you expect to remain in the UK. In some cases, advice may only be available if you return to the UK to receive it.

We cannot provide advice to clients who are resident overseas at the time of advice, or where regulatory restrictions apply. All advice is based on UK residency and UK lending rules, and specialist advice may be required for overseas or foreign national clients.

Please contact us to confirm whether advice can be provided in your circumstances before proceeding.

Let's get started...

Whether you’re looking for assistance with your mortgage, a review of your protections or life insurances, or understanding what’s available for your business, I’m here to help. 

Janine Taylor
Email: Janine@lawtonfs.co.uk
Call: 07900 224707

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What you need to know

Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority.

The guidance and/or information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.