Earnshaw John

Business Details

Expert Mortgage Advisers in Poulton-le-Fylde

Established over 25 years ago, Earnshaw John has built a reputation as a trusted mortgage advisory firm serving clients across the UK. Our team of FCA-authorised professionals specialises in providing tailored mortgage solutions, including new build home loans, buy-to-let mortgages, and remortgaging options. We operate with complete transparency, charging no broker fees until a case reaches formal offer stage, ensuring our interests align with our clients' success. With direct access to a wide range of lenders such as HSBC and Buckinghamshire Building Society, we leverage our industry relationships to secure competitive deals.

Our commitment to excellence is demonstrated through our low broker fees, rapid processing times, and a consultative approach that prioritises clear communication without industry jargon. We cater to diverse client needs, from first-time buyers to self-employed individuals, while maintaining rigorous compliance standards under FCA regulation. Our office-based and remote consultation options ensure accessibility for all clients, supported by a dedicated administrative team that contributes to our consistently high service standards.

Services

Mortgage Advice Insurance Services Re-mortgages Buy to Let First Time Buyer Self-Employed Mortgages Adverse Credit Mortgages Equity Release

Highlights and features

25+ years' experience in mortgage advisory services
FCA-authorised professionals ensuring regulatory compliance
No broker fees charged until formal mortgage offer secured
Nationwide coverage with local market expertise
Exclusive access to competitive lender deals

Associations and certifications

Financial Conduct Authority

What people say

Stress free process Quick and efficient Clear explanations Competitive deals Excellent support

Website

Update Listing

Services

Mortgage Advice

Our FCA-authorised advisors provide comprehensive mortgage guidance tailored to individual circumstances. We specialise in new build mortgages, remortgaging, and buy-to-let financing options. With access to major lenders including HSBC and regional building societies, we secure competitive rates while maintaining transparent fee structures. Our service includes affordability assessments, deal comparisons, and jargon-free explanations throughout the application process.

Insurance Services

We offer a range of insurance products including life cover, critical illness protection, and income protection policies. Our advisors help clients understand different coverage options and select appropriate policies that align with their mortgage commitments and family needs. We ensure clear explanations of policy terms and work with reputable insurers to provide comprehensive financial safeguards.

Re-mortgages

Our re-mortgaging service helps clients secure better rates or release equity from their properties. We handle applications up to 12 months before existing deals expire, ensuring seamless transitions. With direct lender relationships, we expedite processing while providing detailed comparisons of available options, including cost-benefit analyses of early repayment charges versus potential savings.

Buy to Let

Specialist buy-to-let mortgage solutions for property investors. We advise on portfolio management strategies, tax-efficient structures, and lender-specific criteria. Our service includes cashflow analysis, rental affordability assessments, and access to exclusive landlord mortgage products. We support both novice and experienced investors through the unique challenges of investment property financing.

Adverse Credit Mortgages

Tailored mortgage solutions for clients with credit challenges. We work with specialist lenders who consider individual circumstances beyond credit scores. Our advisors provide detailed guidance on improving mortgage eligibility and present applications in the most favourable light. We help clients understand deposit requirements and demonstrate financial stability to secure home ownership opportunities.

People

John Earnshaw

Director and Independent Mortgage Adviser

With over 25 years' experience in mortgage advisory services, John leads our team with a commitment to transparent, client-focused advice. His expertise in navigating complex mortgage markets ensures clients receive tailored solutions that meet their specific needs.

Sarah Tomlinson

Independent Mortgage Adviser

Sarah brings extensive knowledge of mortgage products and lender criteria, specialising in first-time buyer schemes and new build financing. Her approach focuses on clear communication and finding innovative solutions for diverse client circumstances.

Jake Quinn

Independent Mortgage Adviser

Jake supports clients with remortgaging strategies and investment property financing. His experience includes advising portfolio landlords and helping self-employed individuals secure appropriate mortgage arrangements through specialist lenders.

Paula Whetton

Office Manager

Paula oversees our administrative operations, ensuring efficient case management and client communication. With over a decade in financial services administration, she plays a crucial role in maintaining our high service standards and timely processing.

Lynne Goodier

Personal Assistant

Lynne provides essential support to our mortgage advisers, managing client appointments and documentation processes. Her attention to detail contributes significantly to the smooth execution of mortgage applications from start to completion.

Questions

What mortgage types do you specialise in?

We specialise in new build mortgages, buy-to-let financing, remortgaging, first-time buyer schemes, and adverse credit mortgages. Our FCA-authorised team provides tailored solutions across all these categories.

How do your fees work?

We charge no broker fees until your mortgage reaches formal offer stage. Our transparent fee structure ensures you only pay once we've successfully secured your mortgage deal.

Can you help with complex mortgage situations?

Yes, we specialise in handling complex cases including self-employment, adverse credit histories, and portfolio landlord requirements. Our direct lender relationships help us find solutions others might miss.

Do you offer remote consultations?

We provide consultations via telephone, Microsoft Teams, or Zoom, alongside face-to-face meetings. This flexibility ensures convenient access to expert mortgage advice regardless of location.

How quickly can you process a mortgage application?

With direct lender access and streamlined processes, we typically secure agreement in principle immediately and complete applications efficiently, often faster than industry averages.

Are you regulated by any official body?

Yes, we're directly authorised and regulated by the Financial Conduct Authority (FCA), with registration number 300025, ensuring our services meet rigorous regulatory standards.