Joanne Maclachlan- Mortgage & Protection Adviser

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Joanne Maclachlan- Mortgage & Protection Adviser

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🏡 No jargon. No judgement.
(1)

Just honest mortgage & protection advice to secure your family’s future 🔑
📍 Lancashire | Whole of UK
💻 Self employed advisor working under the Cornerstone Network.

19/10/2026

Read another headline about interest rates and felt your stomach drop?

Your fixed rate ends in a few months. And now every news story seems to be about mortgages.

You refresh the news. You do sums at night. You wonder if you have already left it too late.

It is a horrible feeling. Especially when you are not sure what any of it means for your own monthly payments.

Stop the worry and speak to me.

If your deal ends within the next six months, you can start the process now. And if rates fall after you have secured one, we can look at your options again.

You are not late. You are not on your own. And you do not have to work it out alone.

Does this sound like you? Drop a comment, or send me a message. No pressure at all.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

17/10/2026

Swipe through. Some of these might surprise you.

They are the things that matter most to the people I work with. Clients who were nervous, confused, or had been let down before.

A mortgage is your home. You deserve to feel safe asking for help with it.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

13/10/2026

“She genuinely advocated for us.”

Buying a home is stressful. It can be messy, emotional and full of moments where you feel completely out of your depth.

A client recently wrote this review for me:

“Jo was absolutely brilliant throughout our mortgage application. She was clear, honest and supportive from start to finish, making what was a sometimes stressful process much easier to manage. She explained everything in a straightforward way, managed our expectations realistically and was always available to answer questions or provide reassurance when we needed it.”

Clear. Honest. Supportive. Available.

That is exactly what I want every client to feel. Nobody should be left guessing or worrying alone.

Want that same support with your own mortgage? Message me INFO to find out how I can help you too.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

08/10/2026

Not everyone giving money advice online is allowed to give it

Scroll for five minutes and you will find someone telling you exactly what to do with your mortgage, your savings, your pension.

Sounds confident. Looks polished. But who is actually checking what they say?

I am regulated by the FCA. That means:

I have to be qualified.
I have to recommend what is suitable for you, not what gets the most clicks.
What I post has to be clear, fair and not misleading.
If I get it wrong, there is somewhere you can complain.

That is why my posts always end with my contact details and a warning about your home. It is not small print for the sake of it. It is accountability.

A lot of online money content is entertainment. Some of it is useful. But entertainment is not advice, and a follower count is not a qualification.

Before you act on anything you see online, ask one question. Is this person regulated?

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

06/10/2026

Why I always bring up protection, even if you did not ask me to

Some clients just want the mortgage sorted. Rate, term, done, move on.

I get it. But I will always ask about protection too, every single time.

Here is why.

There is a rule in our industry called Consumer Duty. In simple terms, it means firms have to actually look out for good outcomes, not just process what the client asked for.

For me, that means more than finding you a rate.
If something happened and you could not work, or worse, and your family had no way to keep up the mortgage, that is a foreseeable harm I knew about and said nothing.

I am not here to upsell you. I am here to make sure you have actually thought about it, properly, with the facts in front of you.

You can always say no. That is completely fine.

But you will never leave a meeting with me not knowing the gap existed.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

03/10/2026

If your mortgage is due for renewal between January and March then now is the ideal time to look at remortgaging or changing your product to take advantage of potentially lower rates & improved terms.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

02/10/2026

5 things that could be a red flag to a mortgage lender

Most people think a mortgage is just about your payslip. It isn’t.

Lenders read your bank statements too, usually requesting the last three months.

Here is what can raise eyebrows and further discussions.

1. Heavy use of your overdraft
Living in it every month suggests you are stretched, even if you always clear it.

2. Gambling
Regular transactions can worry lenders, even small ones. Some will decline outright.

3. Frequent buy now pay later
Klarna and Clearpay can look harmless. But lenders see them as commitments, and lots of them adds up.

4. Payday loans
Even one from a few years back can affect your options but recent ones matter most.

5. Large cash paid in with no paper trail
Lenders have to know where money came from. Cash with no evidence can stall or sink an application.

None of this means a definite no. It means knowing what to tidy up, and when, before you apply.

[email protected]
07368 604283

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

30/09/2026

When someone trusts you enough to send the people they love your way, you know you are doing something right.

Want the same calm, clear, jargon free experience? Message me INFO and let's have a chat.

Joanne Maclachlan, Mortgage and Protection Adviser, Cornerstone Finance Group
[email protected] | 07368 604283

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

28/09/2026

“If I can find a rate myself, why would I pay a broker for a slightly better one or even the same rate?”

This was a message I recently received on Instagram.

Here is what I told them.

It is never really about who finds the lowest headline rate. It is about who finds the right product once everything is taken into account.

Product fees change the real cost. A cheaper rate with a big fee attached can cost more overall than a slightly higher rate with none. Would you know to take that into account or even how to calculate it?

Also, whether or not you would actually be approved for the rate you have found matters more than the rate you have found. The rate becomes irrelevant if you won’t get accepted for it.

Your circumstances change everything. Self employed, a bit of adverse credit, a longer term needed, buying with someone else. Lenders treat all of this completely differently.

Getting it right first time protects your credit file. A declined application costs you more than time.

If you are straightforward and land on a good deal yourself, fair play.

But if not, a good adviser is worth their weight in gold.

I will handle the whole process for you. Every form, every phone call, every bit of chasing. The part most people find overwhelming and confusing.

Doing your own research right now? Message me INFO and I will tell you honestly if you are missing anything.

Address

Chorley

Telephone

+447368604283

Website

https://calendly.com/joanne-maclachlan-cornerstonefinance/30min, https://cornerstonefinance.co.uk/, https://search.googl

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