Laura Pearson Oak Mortgages

Laura Pearson Oak Mortgages Dedicated Mortgage & Protection Advisor helping my clients achieve their dreams ๐Ÿก๐Ÿฅฐ

๐‚๐š๐ง ๐€๐ˆ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐Ÿ๐ข๐ง๐ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž?AI can explain what a default means, tell you what lenders generally look for ...
21/08/2026

๐‚๐š๐ง ๐€๐ˆ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐Ÿ๐ข๐ง๐ ๐ฒ๐จ๐ฎ ๐ญ๐ก๐ž ๐ซ๐ข๐ ๐ก๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž?

AI can explain what a default means, tell you what lenders generally look for and help you understand complicated mortgage terminology.

But can it understand the story behind your credit history?
Can it speak to an underwriter about a case that sits just outside the usual criteria?
Can it recognise the important question you didnโ€™t know you needed to ask?

When it comes to mortgages, particularly if you have adverse credit, complex income or unusual circumstances knowing a lenderโ€™s published criteria isnโ€™t the same as knowing how they may assess your individual case.

Our latest blog explores how AI is changing the mortgage market, where it can be genuinely useful and why experienced human advice still matters.

๐Ÿ‘‰ Read the full blog here: ๐ก๐ญ๐ญ๐ฉ๐ฌ://๐›๐ข๐ญ.๐ฅ๐ฒ/๐Ÿ’๐ฑ๐๐Ÿ‘๐”๐Ÿ๐†

If youโ€™ve been researching online but are still wondering, โ€œWhat does this actually mean for me?โ€, speak to the Oak Mortgages team.

Weโ€™ll take the time to understand the whole picture and help identify a suitable route forward without relying on guesswork or a generic list of lenders.

๐Ÿ“ฉ Send us a message

Use the technology. Then use the experience.



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

Would you have agreed with us?
17/08/2026

Would you have agreed with us?

Letโ€™s give this a go whilst there are clouds and everyone is still sleeping ๐Ÿ˜ด ๐Ÿ’ป๐Ÿ™๐Ÿป
15/08/2026

Letโ€™s give this a go whilst there are clouds and everyone is still sleeping ๐Ÿ˜ด ๐Ÿ’ป๐Ÿ™๐Ÿป

โ˜€๏ธ โ˜€๏ธ โ˜€๏ธ O U T O F O F F I C Eโ˜€๏ธ โ˜€๏ธ โ˜€๏ธ Taking a well earned break with my family and trying to finish the book I got h...
09/08/2026

โ˜€๏ธ โ˜€๏ธ โ˜€๏ธ O U T O F O F F I C Eโ˜€๏ธ โ˜€๏ธ โ˜€๏ธ

Taking a well earned break with my family and trying to finish the book I got half way through on the last break ๐Ÿ“•๐Ÿšข ๐Ÿธ๐Ÿน๐Ÿ˜Ž

Yes I do have my laptop (but donโ€™t tell anyone!!!) Itโ€™s only for emergencies ๐Ÿ†˜๐Ÿ˜‰

See you in a couple of weeks to make more dreams come true ๐Ÿกโค๏ธ

๐ŸŒฟ July Round Up | It's More Than Numbers. It's About People.As we look back on July, we're incredibly proud of what we'v...
03/08/2026

๐ŸŒฟ July Round Up | It's More Than Numbers. It's About People.
As we look back on July, we're incredibly proud of what we've achieved, but for us, it's never just about the numbers.

Every application submitted, every mortgage offer secured and every completion represents something much bigger...

๐Ÿก A first-time buyer collecting their keys.
๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ A family finding the space they've dreamed of.
๐Ÿšš A home mover starting an exciting new chapter.
๐Ÿ  A landlord growing their investment portfolio.
๐Ÿ”„ A homeowner securing a better deal for their future.
๐Ÿ›ก๏ธ A family gaining peace of mind by protecting their home, income and loved ones for the future.

Behind every success is a client who trusted us to guide them through one of the biggest financial decisions they'll ever make. We're honoured to have been part of so many journeys this month.

We're also incredibly proud that we've helped protect even more clients and their families this month. Protection is about far more than a policy, it's about ensuring our clients have the financial security and peace of mind they deserve should the unexpected happen.

A huge thank you to our incredible team for their hard work, knowledge and dedication. Your commitment to delivering outstanding customer outcomes is what makes the difference every single day.

And thank you to every client who chose Oak Mortgages. Your trust means everything to us.

Here's to helping even more people achieve their property goals in August! ๐ŸŒฟ

Because it's never just about the numbers... it's about the people behind them. ๐Ÿ’š

๐‚๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฌ๐ฉ๐จ๐ญ ๐š ๐ฌ๐œ๐š๐ฆ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐ข๐ญ ๐ฐ๐š๐ฌ ๐ญ๐จ๐จ ๐ฅ๐š๐ญ๐ž?Fraudsters are becoming increasingly convincing. They can pretend to be you...
01/08/2026

๐‚๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฌ๐ฉ๐จ๐ญ ๐š ๐ฌ๐œ๐š๐ฆ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐ข๐ญ ๐ฐ๐š๐ฌ ๐ญ๐จ๐จ ๐ฅ๐š๐ญ๐ž?

Fraudsters are becoming increasingly convincing. They can pretend to be your bank, an online seller, a new romantic partner or even your own child asking for urgent help.

Weโ€™re hearing about more people being targeted through:

Facebook and Marketplace
Dating and romance scams
Fake bank and police calls
โ€œMum, Iโ€™ve lost my phoneโ€ messages
Identity theft and stolen personal information

Our latest guide explains the warning signs, what information you should never share and the practical steps you can take to protect yourself and your family.

There is no shame in being caught out these criminals are professional manipulators. The best protection is to pause, check and talk to someone you trust before sending money or sharing information.

Please read and share. One conversation could prevent someone from becoming the next victim.

๐Ÿ”— Read the full guide here: https://bit.ly/4h1aRrN

๐–๐ก๐š๐ญ'๐ฌ ๐จ๐ง๐ž ๐ญ๐ก๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฌ๐ก ๐ฒ๐จ๐ฎ'๐ ๐ค๐ง๐จ๐ฐ๐ง ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐›๐ฎ๐ฒ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ซ๐ฌ๐ญ ๐ก๐จ๐ฆ๐ž?We asked the Oak team to share their advice for firs...
29/07/2026

๐–๐ก๐š๐ญ'๐ฌ ๐จ๐ง๐ž ๐ญ๐ก๐ข๐ง๐  ๐ฒ๐จ๐ฎ ๐ฐ๐ข๐ฌ๐ก ๐ฒ๐จ๐ฎ'๐ ๐ค๐ง๐จ๐ฐ๐ง ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐›๐ฎ๐ฒ๐ข๐ง๐  ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ซ๐ฌ๐ญ ๐ก๐จ๐ฆ๐ž?

We asked the Oak team to share their advice for first-time buyers, and the answers were surprisingly varied.

There are plenty of things people wish they'd known at the start of their home-buying journey.

๐Ÿ‘‡ We'd love to hear from you.

What's the one piece of advice you'd give someone buying their first home?

Happy Summer Holidays!!! โ˜€๏ธโ˜€๏ธโ˜€๏ธSome days I feel like Iโ€™m failing, but itโ€™s 10:30 and already Iโ€™veโ€ฆWalked the dog ๐Ÿถ Done ...
29/07/2026

Happy Summer Holidays!!! โ˜€๏ธโ˜€๏ธโ˜€๏ธ

Some days I feel like Iโ€™m failing, but itโ€™s 10:30 and already Iโ€™veโ€ฆ

Walked the dog ๐Ÿถ
Done 3 loads of washing and hung on the line โœ…
Made a fruit bowl ๐Ÿ˜‡
Had a healthy breakfast ๐Ÿ“
Got a decision in principle for my clients ๐Ÿก

All whilst the kids are still sleeping ๐Ÿ˜ด

Winning today ๐Ÿ’ช๐Ÿป

This afternoon weโ€™re off to Jubilee Park, Woodhall Spa outdoor pool to cool down ๐Ÿฅต

How are you all coping juggling home, work and kids being at home??

๐ƒ๐จ ๐ฒ๐จ๐ฎ ๐ฎ๐ฌ๐ž ๐Š๐ฅ๐š๐ซ๐ง๐š ๐จ๐ซ ๐๐ฎ๐ฒ ๐๐จ๐ฐ, ๐๐š๐ฒ ๐‹๐š๐ญ๐ž๐ซ?New FCA rules came into force on 15 July 2026, giving customers stronger protect...
27/07/2026

๐ƒ๐จ ๐ฒ๐จ๐ฎ ๐ฎ๐ฌ๐ž ๐Š๐ฅ๐š๐ซ๐ง๐š ๐จ๐ซ ๐๐ฎ๐ฒ ๐๐จ๐ฐ, ๐๐š๐ฒ ๐‹๐š๐ญ๐ž๐ซ?

New FCA rules came into force on 15 July 2026, giving customers stronger protection including affordability checks, clearer information and access to the Financial Ombudsman Service.

But there is another important change to understandโ€ฆ

Buy Now, Pay Later is credit. It may appear on your credit file, missed payments could affect your history, and mortgage lenders may take your repayments into account.

That does not mean using Klarna will automatically stop you getting a mortgage. However, several agreements, missed payments or regularly relying on BNPL could raise questions.

Our latest blog explains:

โœ… What the new rules mean
โœ… Whether Klarna can affect your credit file
โœ… What mortgage lenders may look for
โœ… What to do before applying for a mortgage

Read the full guide here: https://bit.ly/4fwPxYJ

Worried that Klarna or other credit commitments could affect your mortgage options? Speak to our friendly team before submitting an application.

๐˜๐จ๐ฎ๐ซ ๐ก๐จ๐ฆ๐ž ๐ฆ๐š๐ฒ ๐›๐ž ๐ซ๐ž๐ฉ๐จ๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ž๐ ๐ข๐Ÿ ๐ฒ๐จ๐ฎ ๐๐จ ๐ง๐จ๐ญ ๐ค๐ž๐ž๐ฉ ๐ฎ๐ฉ ๐ซ๐ž๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ๐ฌ ๐จ๐ง ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž.

๐‡๐จ๐ฆ๐ž๐ฆ๐จ๐ฏ๐ข๐ง๐  ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง?What's the strangest thing you have found when moving in to your new property?We'll start...One of o...
21/07/2026

๐‡๐จ๐ฆ๐ž๐ฆ๐จ๐ฏ๐ข๐ง๐  ๐ช๐ฎ๐ž๐ฌ๐ญ๐ข๐จ๐ง?

What's the strangest thing you have found when moving in to your new property?

We'll start...

One of our team members arrived at their first home expecting a blank canvas, only to find it fully furnished! The previous owner's wife had gone into labour on moving day, so they quite literally dropped everything and headed for the hospital.

๐Ÿ‘‡ Tell us yours.

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