Business Details
18 Years
experience
Your Trusted Mortgage Broker in Banstead
Established in 2008, Modern Mortgage Solutions has built a reputation for delivering tailored mortgage and protection services to UK clients. Our team of experienced advisers utilises comprehensive mortgage sourcing software to identify the most suitable solutions from a wide market panel. We pride ourselves on maintaining traditional values, offering a personal, transparent service that guides clients through every stage of the mortgage process. Our commitment to treating clients as individuals ensures a stress-free experience, supported by clear communication and expert guidance.As an FCA-authorised firm, we adhere to strict regulatory standards while maintaining a client charter that guarantees fair treatment and exceptional service. Our directors, Graham Lawrenson and Emma Lawrenson, lead a dedicated team focused on delivering prompt completions and recommending trusted professionals when required. We also provide life, critical illness, and income protection insurance tailored to individual circumstances, ensuring holistic financial security for our clients.
Services
Mortgage Advice
Buy to Let
Protection Insurance
Re-mortgage
Financial Planning
Details
- Year established: 2008
Highlights and features
- We offer 15+ years of mortgage advisory experience
- Our team provides transparent fee structures with no hidden costs
- We maintain FCA-authorised status for regulatory compliance
- We deliver tailored mortgage solutions from a whole-of-market panel
- Our client charter guarantees fair treatment throughout the process
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our mortgage advice service provides comprehensive market analysis to identify suitable solutions from over 100 lenders. We specialise in residential and buy-to-let mortgages, offering transparent fee structures with a typical application charge of 495. Our FCA-regulated advisers ensure clients receive appropriate recommendations based on individual circumstances.
Protection Insurance
We offer tailored protection insurance solutions including life assurance, critical illness cover, and income protection policies. Our advisers assess individual needs to recommend appropriate coverage levels, ensuring financial security for clients and their families while maintaining transparent terms and conditions.
Re-mortgage
Our re-mortgage service helps clients secure better rates or release equity from existing properties. We manage the entire process from initial consultation to completion, liaising with lenders and legal professionals to ensure smooth transitions while maintaining FCA compliance throughout the transaction.
People
Graham Lawrenson
Advising Director
With extensive mortgage industry experience, Graham provides expert advisory services while ensuring compliance with FCA regulations. He leads client consultations and maintains professional standards across all transactions.
Emma Lawrenson
Non-advising Director
Emma oversees operational management and business strategy while maintaining regulatory compliance. She ensures efficient transaction processes and supports team development within FCA guidelines.
Questions
What mortgage services do you offer?
We provide residential mortgages, buy-to-let solutions, re-mortgaging, and commercial mortgage options through our whole-of-market panel.
Are your fees transparent?
Yes, our typical mortgage application fee is £495 with a maximum of 2% of the loan amount, clearly disclosed upfront.
How are you regulated?
We operate as an appointed representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority (FCA).
Do you offer protection insurance?
Yes, we provide life assurance, critical illness cover, and income protection insurance tailored to individual client requirements.
What areas do you serve?
We primarily serve UK-based consumers from our Banstead office, with nationwide mortgage advisory capabilities through remote consultations.
