Laura Pearson Oak Mortgages

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

๐Ÿก๐Ÿก๐Ÿก
21/05/2026

๐Ÿก๐Ÿก๐Ÿก

โŒ โ€œ๐Œ๐ฒ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ฌ๐œ๐จ๐ซ๐ž ๐ข๐ฌ ๐ญ๐จ๐จ ๐ฅ๐จ๐ฐ ๐Ÿ๐จ๐ซ ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž.โ€Thatโ€™s exactly what one of our recent clients thoughtโ€ฆWith a credit score ...
18/05/2026

โŒ โ€œ๐Œ๐ฒ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ฌ๐œ๐จ๐ซ๐ž ๐ข๐ฌ ๐ญ๐จ๐จ ๐ฅ๐จ๐ฐ ๐Ÿ๐จ๐ซ ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž.โ€

Thatโ€™s exactly what one of our recent clients thoughtโ€ฆ

With a credit score of just 566, historic defaults and previous payment issues, they believed homeownership was completely out of reach. But after speaking to the specialist team at Oak Mortgages and Clever Mortgages, we looked beyond just the numbers.

We took the time to understand:

โœ” What caused the issues
โœ” How their finances had improved
โœ” Their affordability today
โœ” The full story behind the credit file

The result? ๐Ÿก

Theyโ€™re now about to collect the keys to their new home.

A low credit score does NOT always mean an automatic decline.

At Oak and Clever Mortgages, we specialise in helping clients with:

โœ” Defaults
โœ” CCJs
โœ” Missed payments
โœ” Debt management plans
โœ” Low credit scores
โœ” Complex circumstances

If youโ€™ve been told โ€œnoโ€ elsewhere, or youโ€™re worried your credit history is holding you back, speak to our friendly specialist team today.

You may have more options than you think ๐Ÿ’š

๐Ÿ“ฉ Message us today
๐Ÿ“ž Free initial chat
๐ŸŒ www.oakmortgages.co.uk, www.clevermortgages.co.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

๐Ÿก ๐‚๐จ๐ฎ๐ฅ๐ ๐š ยฃ๐Ÿ“,๐ŸŽ๐ŸŽ๐ŸŽ ๐๐ž๐ฉ๐จ๐ฌ๐ข๐ญ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐ ๐ž๐ญ ๐ฒ๐จ๐ฎ ๐จ๐ง ๐ญ๐ก๐ž ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฅ๐š๐๐๐ž๐ซ?Big news this week as Halifax launched it's ยฃ5000 deposit...
15/05/2026

๐Ÿก ๐‚๐จ๐ฎ๐ฅ๐ ๐š ยฃ๐Ÿ“,๐ŸŽ๐ŸŽ๐ŸŽ ๐๐ž๐ฉ๐จ๐ฌ๐ข๐ญ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐ ๐ž๐ญ ๐ฒ๐จ๐ฎ ๐จ๐ง ๐ญ๐ก๐ž ๐ฉ๐ซ๐จ๐ฉ๐ž๐ซ๐ญ๐ฒ ๐ฅ๐š๐๐๐ž๐ซ?

Big news this week as Halifax launched it's ยฃ5000 deposit mortgage.

For many buyers, especially first time buyers, saving a huge deposit has been the biggest challenge. But the mortgage market is changing, and there may now be more options available than you think.

โœ… Smaller deposits
โœ… First time buyer options
โœ… Some lenders considering 95%+ borrowing
โœ… Help for renters wanting to buy sooner

Of course, every lender has different criteria, affordability checks and credit scoring, so itโ€™s important to get proper advice before applying.

If youโ€™ve been sitting there thinking:

โŒ โ€œI donโ€™t have enough depositโ€
โŒ โ€œMy credit isnโ€™t perfectโ€
โŒ โ€œI didnโ€™t think Iโ€™d qualifyโ€

โ€ฆ it may be worth having a conversation.

At Oak Mortgages & Clever Mortgages, we specialise in helping clients understand whatโ€™s possible, even if theyโ€™ve had previous blips or thought buying was out of reach.

๐Ÿ“ฉ Message us today for a friendly, no-pressure chat.

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

๐–๐จ๐ซ๐ซ๐ข๐ž๐ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐š๐ฌ๐ญ ๐œ๐ซ๐ž๐๐ข๐ญ ๐›๐ฅ๐ข๐ฉ๐ฌ ๐œ๐จ๐ฎ๐ฅ๐ ๐ฌ๐ญ๐จ๐ฉ ๐ฒ๐จ๐ฎ ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž? ๐ŸกYou are not alone and it may not be as bad as you thi...
15/05/2026

๐–๐จ๐ซ๐ซ๐ข๐ž๐ ๐ฒ๐จ๐ฎ๐ซ ๐ฉ๐š๐ฌ๐ญ ๐œ๐ซ๐ž๐๐ข๐ญ ๐›๐ฅ๐ข๐ฉ๐ฌ ๐œ๐จ๐ฎ๐ฅ๐ ๐ฌ๐ญ๐จ๐ฉ ๐ฒ๐จ๐ฎ ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐š ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž? ๐Ÿก

You are not alone and it may not be as bad as you think.

At Oak Mortgages & Clever Mortgages, we specialise in helping clients who have:

โœ” Missed payments
โœ” Defaults or CCJs
โœ” Debt management plans
โœ” Payday loan history
โœ” Low credit scores
โœ” Previous financial difficulties

Many people assume theyโ€™ll automatically be declinedโ€ฆ but that simply isnโ€™t always true.

One of the best first steps is completing a Decision in Principle (DIP). This gives you an early indication of whether a lender may accept you, helping you understand your options before you start house hunting or remortgaging.

Most importantly, we understand that life happens. Our advisers take the time to look at the full picture, not just a number on a credit report.

โœ… Friendly, supportive advice
โœ… Specialist lenders available
โœ… No judgement
โœ… First-time buyers, movers & remortgages
โœ… Help understanding your credit profile

If youโ€™re nervous about applying, letโ€™s have a chat and explore your options together.

0330 232 0285
Message us today
visit us at www.oakmortgages.co.uk or www.clevermortgages.co.uk

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

๐Œ๐จ๐ง๐ž๐ฒ ๐ฐ๐จ๐ซ๐ซ๐ข๐ž๐ฌ ๐œ๐š๐ง ๐š๐Ÿ๐Ÿ๐ž๐œ๐ญ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ฃ๐ฎ๐ฌ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐›๐š๐ง๐ค ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ.For many people, concerns around credit history, debt, or gett...
12/05/2026

๐Œ๐จ๐ง๐ž๐ฒ ๐ฐ๐จ๐ซ๐ซ๐ข๐ž๐ฌ ๐œ๐š๐ง ๐š๐Ÿ๐Ÿ๐ž๐œ๐ญ ๐ฆ๐จ๐ซ๐ž ๐ญ๐ก๐š๐ง ๐ฃ๐ฎ๐ฌ๐ญ ๐ฒ๐จ๐ฎ๐ซ ๐›๐š๐ง๐ค ๐š๐œ๐œ๐จ๐ฎ๐ง๐ญ.

For many people, concerns around credit history, debt, or getting a mortgage can feel overwhelming, but you are not alone, and there are often more options available than you think.

At Oak Mortgages & Clever Mortgages, we believe mortgage advice should feel supportive, understanding and judgement free.

Whether youโ€™re a first-time buyer, remortgaging, or worried about past credit issues, weโ€™re here to help you explore your options with real people who genuinely care.

๐Ÿ’š Mental Health Awareness Week

A few hours work this morning submitting my clients mortgage and protection applications before I go off and enjoy time ...
11/05/2026

A few hours work this morning submitting my clients mortgage and protection applications before I go off and enjoy time with my Mum for her Birthday this afternoonโ€ฆ.perfect Monday ๐Ÿ’ป๐Ÿพ๐Ÿฅ‚๐Ÿฅฐ





Got my best mate back ๐Ÿถ๐Ÿฅฐ
30/04/2026

Got my best mate back ๐Ÿถ๐Ÿฅฐ

The doggy is at the groomers, the sun in shining and itโ€™s an office day with lots of protection appointmentsโ€ฆ..I may try...
30/04/2026

The doggy is at the groomers, the sun in shining and itโ€™s an office day with lots of protection appointmentsโ€ฆ..I may try and sneak half an hour on the sunbed at lunchtime ๐Ÿ’ปโ˜€๏ธ๐Ÿ˜Ž








๐Ÿก๐Ÿก๐Ÿก
28/04/2026

๐Ÿก๐Ÿก๐Ÿก

How have your Easter Holidays been?? ๐ŸฃMine has looked something like thisโ€ฆ.Juggling work and fun with the kidsโ€ฆ.even man...
19/04/2026

How have your Easter Holidays been?? ๐Ÿฃ

Mine has looked something like thisโ€ฆ.

Juggling work and fun with the kidsโ€ฆ.even managed to get a Decision in Principle whilst driving down to London (I was the passenger!!)

Highlights wereโ€ฆ.

โœ… My amazing Easter lunch and Easter cake made by Mum ๐Ÿ˜‹
โœ… Watching Stranger Things at the Theatre
โœ… Securing the Decision in Principle for my clients who have found their dream home
โœ… Seeing the Lionesses beat Spain at Wembley
โœ… Watching Wicked the Musical
โœ… Lots of lovely Spring walks with Betsy ๐Ÿถ
โœ… Chill time at our caravan at Tattershall Lakes with a long soak in the hot tub
โœ… Receiving a mortgage offer for my clients on her Birthday ๐ŸŽˆ

Kids back to school tomorrow (thank goodness for my bank balance!!) ๐Ÿ˜…

โ˜€๏ธ ๐“๐ก๐ž ๐ฌ๐ฎ๐งโ€™๐ฌ ๐จ๐ฎ๐ญโ€ฆ Thereโ€™s something about brighter days that gets people thinking about their next moveโ€ฆ and itโ€™s no coi...
08/04/2026

โ˜€๏ธ ๐“๐ก๐ž ๐ฌ๐ฎ๐งโ€™๐ฌ ๐จ๐ฎ๐ญโ€ฆ

Thereโ€™s something about brighter days that gets people thinking about their next moveโ€ฆ and itโ€™s no coincidence that this is one of the busiest times of year for buying and selling homes.

If youโ€™ve been โ€œjust browsingโ€โ€ฆ this is usually when things get serious

โœจ More homes are coming to market
โœจ Gardens (and homes) are looking their best
โœจ Buyers are more active than ever

๐–๐จ๐ซ๐ซ๐ข๐ž๐ ๐š๐›๐จ๐ฎ๐ญ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ซ๐š๐ญ๐ž๐ฌ?

Youโ€™re not aloneโ€”but hereโ€™s the thingโ€ฆ

๐Ÿ‘‰ There are still plenty of options out there
๐Ÿ‘‰ The right deal is about your situation, not just the rate

๐€๐ฅ๐ซ๐ž๐š๐๐ฒ ๐ข๐ง ๐š ๐Ÿ๐ข๐ฑ๐ž๐ ๐ซ๐š๐ญ๐ž?

You might not be stuck like you thinkโ€ฆ
Many mortgages are portable, meaning you could take your current rate with you when you move

Whether youโ€™re thinking about:

โ€ข Moving home
โ€ข Selling your property
โ€ข Or just seeing whatโ€™s possible

Now is a great time to start the conversation.

๐Ÿ“ฉ Drop us a message or get in touch for a no-obligation chat

Letโ€™s see what your next move could look like.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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+447557047039

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