Business Details
18 Years
experience
Your Trusted Mortgage Brokers in Banstead, Surrey
At Modern Mortgage Solutions, we specialise in providing tailored mortgage finance and protection insurance services. With extensive experience in the industry, we utilise comprehensive mortgage sourcing software to identify the most suitable solutions for our clients. Our approach focuses on understanding individual needs, offering access to a wide panel of lenders and insurers. We manage the entire mortgage process from initial consultation to completion, liaising with lenders, solicitors, and surveyors on your behalf.Our commitment to treating clients fairly is reflected in our client charter, ensuring transparent communication and personalised service throughout the transaction. We also recommend appropriate life, critical illness, and income protection policies to safeguard our clients' financial futures. As an appointed representative of PRIMIS Mortgage Network, we operate under the authorisation and regulation of the Financial Conduct Authority, adhering to the highest standards of professional conduct.
Services
Residential Mortgages
Buy to Let
Protection Insurance
Re-mortgage
Affordable Housing
Details
- Year established: 2008
Highlights and features
- We offer over 15 years of mortgage advisory experience
- Our comprehensive panel represents the whole of the market
- We provide personal relationship management throughout the process
- Our client charter guarantees fair treatment and transparency
- We operate under FCA authorisation and regulation
Associations and certifications
- Financial Conduct Authority
Services
Residential Mortgages
We specialise in residential mortgage solutions tailored to individual circumstances. Our comprehensive market analysis identifies competitive rates and suitable terms for first-time buyers and home movers. Our experienced advisers guide clients through the entire application process with transparent communication.
Buy to Let
Our buy-to-let mortgage service caters to property investors seeking optimal investment returns. We provide access to specialist lenders and competitive rates for rental property acquisitions. Our advisers help calculate appropriate loan structures based on projected rental income and investment goals.
Protection Insurance
We offer tailored protection insurance packages including life assurance, critical illness cover, and income protection. Our advisers assess individual needs to recommend appropriate policies that safeguard financial commitments. These protections ensure mortgage payments remain covered during unforeseen circumstances.
Re-mortgage
Our re-mortgage service helps clients secure better rates or release equity from existing properties. We analyse current market conditions against clients' financial situations to identify refinancing opportunities. The process includes assessing early repayment charges and potential savings.
Affordable Housing
We provide specialist mortgage solutions for affordable housing schemes and social housing providers. Our expertise includes navigating government-backed initiatives and shared ownership arrangements. We work with clients to structure compliant financing options that meet regulatory requirements.
People
Graham Lawrenson
Advising Director
Graham Lawrenson provides expert mortgage advisory services with over 15 years' experience in financial services. He specialises in complex mortgage solutions and protection planning, maintaining FCA-authorised status to ensure regulatory compliance.
Emma Lawrenson
Non-Advising Director
Emma Lawrenson oversees operational management and client service standards. With extensive experience in financial services administration, she ensures efficient transaction processing and adherence to regulatory requirements across all business operations.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let financing, re-mortgage solutions, affordable housing options, and associated protection insurance products.
How much is your mortgage application fee?
Our fee ranges up to 2% of the loan amount, with a typical charge of £495 for standard applications.
Are you regulated by financial authorities?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Do you offer protection insurance with mortgages?
Yes, we recommend life assurance, critical illness cover, and income protection policies tailored to individual mortgage requirements.
How do you help first-time buyers?
We provide specialist guidance through government schemes, identify suitable lenders, and explain mortgage options in plain English for first-time buyers.
