The whole mortgage market, working for you.
Independent mortgage advisers for Lancaster and Morecambe — access to more than 50 lenders, advice built around your circumstances, and the paperwork handled from first chat to completion.
Whatever stage you're at, start here.
We're independent, so our advice comes from the whole market rather than anyone's shortlist — and we don't stop at the recommendation. We deal with the lender and see your application through to completion.
First-time buyers
Buying your first home is the step with the most unknowns. We lay your options out clearly and help you secure a mortgage that suits your deposit, your budget and your longer-term plans.
Home movers
Moving house comes with enough complications already. We smooth the mortgage side of the path — finding the options that genuinely fit the new place, and you.
Remortgaging
When your deal is ending, doing nothing is usually the expensive option. We'll look at reducing your monthly payments, finding a better rate, or releasing equity — whichever your situation calls for.
Buy-to-let
Lenders treat buy-to-let very differently, with its own affordability rules and borrowing limits. We'll help you assess what the numbers really look like and find a mortgage that supports the investment.
Specialist mortgages
Self-employed, past credit problems, complex income, an unusual property? With access to so many lenders, we can often find a route through where a bank has said no.
Your first conversation is free, and there's no obligation. See how it works
What could I borrow?
A rough indication in ten seconds. Then, if it's useful, we'll do the proper job with a lender that actually fits your circumstances.
Your numbers
Household income before tax, and whatever you've saved for a deposit.
Putting a property of about £232,500 within reach.
Talk this through with an adviserIndicative only, based on a common lender multiple of 4.5× income. This is not advice or a mortgage offer — what you can actually borrow depends on your circumstances, credit history and each lender's own assessment.
Your first conversation is free, and there's no obligation. See how it works
What mortgage clients say.
“We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes.”
Grace Rawsthorne · Google review“Thank you for making our mortgage application so easy and stress free. Ross was fantastic! He kept us updated every step of the way.”
Terri Whiteside · Google review“Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals.”
Mireille Formosa · Google reviewTell us where you're up to — we'll take it from there.
Buying, moving, or watching a fixed rate tick down to its end date — tell us roughly what's going on and we'll come back to you within one working day. No hard sell, no obligation, no jargon.