Laura Jane Smith - Independent Mortgage & Protection Advisor

14/10/2026

💳 Looking to improve your credit profile?

A few good habits can help:

✔️ Check your credit reports for errors
✔️ Register to vote at your current address
✔️ Make payments on time
✔️ Keep credit balances manageable
✔️ Avoid making lots of credit applications at once
✔️ Keep your address details up to date

🏡 Thinking about a mortgage? Your credit score is only one part of a lender’s decision.

📩 Get mortgage-ready. Speak to us before you apply.

07739 035358/[email protected]

Subject to individual circumstances, affordability and lender criteria.

08/10/2026

🏢 Your people are one of your biggest investments. Protect them like it.

For larger businesses, a competitive salary is only part of the package.

Group Protection can help you build a stronger employee benefits offering, with options such as:

❤️ Group Life Insurance
🛡️ Group Income Protection
➕ Group Critical Illness Cover

It’s about giving employees valuable financial protection when life doesn’t go to plan — while helping your business strengthen its benefits package and support its people.

Whether you’re reviewing existing arrangements or considering Group Protection for the first time, we can help you explore the options available.

Better benefits. More protection. A package your people can value.

📩 Let’s talk Group Protection for your business.

07739035358/[email protected]

Terms, conditions, eligibility and exclusions apply. The benefits available will depend on the policy selected.

06/10/2026

❤️ Parenting is expensive enough when everything’s going to plan.

Mortgage. Nursery fees. Food shops. Energy bills. The never-ending subscriptions…

Now imagine having to take weeks or months away from work because your child became seriously ill.

Children’s Critical Illness Cover could provide a financial payout if your child is diagnosed with a specified critical illness covered by your policy.

Money that could help you step away from work and focus on them — without the bills taking a day off too.

Because your emergency fund might be good.

But is it months-off-work good?

📲 Let’s make sure your family has a Plan B. Message us today.

07739035358/[email protected]

Terms, conditions and exclusions apply. Cover and eligibility vary by provider and policy.

02/10/2026

🏡 Need to Borrow More on Your Home?

If you’re a homeowner and need extra funds for your property, borrowing more on your mortgage could be an option worth exploring.

You might be looking to cover:

🔨 Essential home repairs
🏠 Renovations and upgrades
🔥 A new boiler or heating system
🪟 New windows or doors
🍳 Kitchen or bathroom improvements
🌿 Other home improvements

There are different ways you may be able to raise additional funds against your home, depending on your circumstances and your lender.

📲 Ready to get those essential repairs or improvements moving?

Message us today for a no-obligation chat. We’ll look at your circumstances, explain the options available and help you understand your next steps.

👉 Send us a message now to get started.

07739 035358/[email protected]

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

28/09/2026

🏡 Mortgage deal ending in the next 6 months?

Don’t wait until the last minute to get advice.

Many lenders allow you to secure a new rate up to 6 months in advance, helping protect against potential rate increases and giving you more certainty.

As your local mortgage adviser, I can review your options now — and keep an eye on rates before your new deal starts.

📩 Drop me a message for a chat.
07739 035358/[email protected]

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

10/09/2026

💡 Your deposit could unlock a better mortgage rate.

The lower your Loan-to-Value (LTV)—the amount you borrow compared to your home's value—the more competitive your mortgage rate could be.

🏠 95% LTV = Higher rates
🏠 85% LTV = Better rates
🏠 60% LTV = Some of the lowest rates available

A small increase in your deposit could save you money each month.

Get in touch to discuss your options.

📧[email protected]
☎️07739 035358
💻WhatsApp Facebook Teams available

*Your home may be repossessed if you do not keep up repayments

24/08/2026

🏡 Looking to Buy Property in the UK as a Foreign National?

Buying a home in the UK can sometimes feel complicated if you're a foreign national — particularly when it comes to finding the right mortgage.

The good news is that mortgage options may be available, depending on your individual circumstances.

We can help explore options for:

🌍 Foreign nationals living and working in the UK
🛂 Different visa and residency statuses
💷 Applicants with UK or overseas income
🏠 First-time buyers and home movers
💰 Different deposit levels and circumstances

Every application is different, so understanding which lenders may consider your circumstances can make a big difference.

📩 Thinking about purchasing a property? Send me a private message to discuss your circumstances and explore the mortgage options that may be available to you.

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

Eligibility and lending criteria apply.

☎️ 07739035358
📧 [email protected]
💻 WhatsApp Facebook Teams available

18/08/2026

🔑 Credit problems in the past? Your home-buying plans may not be over.

Defaults, missed payments and CCJs can affect your mortgage options, but specialist lenders may consider applications that don’t fit standard high-street criteria.

Eligibility will depend on your individual circumstances, including affordability, deposit and credit history.

🏠 Find out what mortgage options could be available to you before you apply.

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

☎️0773903538
📧 [email protected]
💻Facebook WhatsApp Teams available

02/08/2026

🏡 Still Paying Rent or digs at mum and dads? It might be time to invest in YOU. 🔑

Think buying your first home is impossible? Think again.

Thousands of first-time buyers are getting on the property ladder every year—and you could be next.

Whether you've just started saving or you're ready to buy, we'll help you:

✅ Understand how much you could borrow
✅ Explore mortgage options that suit your budget
✅ Navigate the buying process with confidence
✅ Take your first step towards owning your own home

💬 No jargon. No pressure. Just honest advice tailored to you.

📩 Message us today for a FREE first-time buyer consultation and let's make your homeownership goals a reality.

👇 Tag someone who's ready to stop renting and start owning!

Email: [email protected]
Telephone: 07739035358

26/07/2026