Products & Services

Trusted Mortgage Advisers

Securing the most suitable and affordable mortgage to suit your individual needs is not only your priority, but ours too. We take a relationship-based approach to supporting every client with their mortgage needs. 

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

Tailored mortgage advice

We start each and every meeting with a blank page to understand your goals and tailor our advice to meet your individual needs.

A holistic approach

We offer mortgage advice as part of a holistic approach to financial planning. We carefully consider the full picture of your finances when making our recommendations.

Flexible meeting times

Book a meeting at a time that best suits you either over the phone, video call or in person.

Mortgage advice that focuses on your current and future goals

Your mortgage is likely to be one of the biggest financial commitments you will ever make. We therefore feel it is imperative to carefully assess the bigger picture with regards to your financial position and offer mortgage advice that considers all aspects of your goals both now and for the future. 

Home Movers

Whether you are looking to upsize to to support a growing family, or downsizing as your children have now flown the nest, we can help you to secure a mortgage offer to suit your needs. When moving home, you may not necessarily need to change your mortgage. It may be possible to transfer your existing mortgage over to your new property, known as ‘porting’, which is subject to application. We can liaise with your existing lender on your behalf to ensure that the process goes smoothly.

If you are planning to buy a home of a higher value, we will ensure you understand how your new mortgage costs could look and that you satisfy affordability requirements, before guiding you through the application process.

First Time Buyer

Buying your first home is an incredibly exciting milestone and learning experience. We understand that mortgages and the home buying process is uncharted territory for first time buyers. With this front of mind, we take the time and patience to carefully explain the process and support you every step of the way.


There are several reasons why homeowners choose to remortgage. Most people remortgage when their current fixed rate has come to an end. This gives you the opportunity to shop around with other lenders to secure a new mortgage product. Homeowners can also remortgage to consolidate personal loans, to raise funds for home improvements and to pay off a Help to Buy loan. Depending on your requirements and available mortgage products, the best option may be to remain with your existing lender via a product switch. We carefully assess your circumstances and cost compare products before making our recommendations.

Large Mortgages

We specialise in dealing with high-value and complex mortgage cases for clients often with non-standard income structures. For example, clients who have numerous business interests may have multiple income sources. You may receive dividends, commission, bonuses and have an income that can fluctuate from one month to the next. We have access to a panel of Private Banks who can offer a more bespoke approach to lending in comparison to High Street lenders when required.

Second Home

A second property could provide a great holiday home or make life easier if you commute for work. If you are considering buying a second residential property for your own use rather than renting it out, we work with you to assess all your assets and full financial situation. This then allows us to work out the most cost-effective method to finance your purchase to help make your vision become reality.

Buy to Let

Buy to Let mortgages differ from residential mortgages in several ways. To obtain a Buy to Let mortgage the predominant focus is on the merits of the property rather than your income. We work with you to navigate these differences and secure the most competitive product for your investment.

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

Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.

We offer a comprehensive range of first charge mortgages from across the market that are made available to mortgage intermediaries for which we are paid a procuration fee by the lender.  

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Client stories

As a business, we are committed to quality and delivering exceptional client outcomes. Please read some of the kind feedback we have received from our clients.

5 Star

I have worked with Nick for some time now and always delighted with the solid advice and guidance he provides. He has helped me avoid making investment mistakes and is always happy to arrange a meeting whenever needed. He has helped me understand a lot about my finances and given me confidence with my decisions, my only regret is that I didn’t meet him years ago. He’s the financial advisor I always recommend without hesitation.

A. Yorston

Nick supported me with my remortgage which completed in March 2023. It was great to have Nick’s help in sourcing my new mortgage. The timing wasn’t ideal with the turmoil in interest rates, but Nick helped talked through the expected movements that would effect me and find the best deal for my situation. We got the offer in place early, which allowed Nick to reassess and improve on the initial product that we went with. Overall Nick is a very calm and reassured adviser, and was on the ball throughout to make sure we got the best deal possible. 10/10 would recommend.

T. Burton

I recently had a meeting with Nick to discuss pensions and savings – his advice was truly tailored to my goals, which he took the time to fully understand before making any recommendations. Money is such a personal topic to discuss with strangers but by the end of our meeting, I felt extremely comfortable talking about my financial situation and sharing my fiscal ambitions with Nick. I have no hesitation in recommending him and following his advice.

L. Buckland

I recently worked with Kirsty when buying my first home and she was absolutely brilliant! Her knowledge is outstanding and she always explained my options in a way I would understand and to allow me to make the right decisions. Her interpersonal skills are great and she was very supportive throughout the process! Fair to say that I will be using her for all future remortgages ! Thanks again for your help!

S. Evans

Nick Henbrey was friendly but professional. He explained options in a clear way and I felt very comfortable with how he presented them. He was not pushy and allowed plenty of time to consider what he was saying/suggesting. My situation was complex because I was acting for my mother but also still waiting on probate for my fathers Estate. I felt that Nick lifted what felt like a heavy load off my shoulders. During the process my mother also died so circumstances changed . Nick throughout remained my rock and has since provided valuable information on how best to negotiate all the rules around gifting.

J. Winters

I used Grayson Lewis Financial Planning to find a great mortgage so I could move home. The service was excellent, Kirsty really took the time to understand my needs and was extremely professional throughout the whole process. Couldn’t recommend them enough!

P. Jones

We have definitely seen a huge positive difference in our finances, it was the full money review that we had been looking for and we are financially in a better place now.

B. Stewart

Couldn’t recommend Nick & Kirsty enough! As a first time buyer not knowing much about the process, they were incredibly helpful and kept me informed throughout the process. They were available at any time I needed any questions answering and really reassured me. I now recommend them to anyone that asks! You won’t regret using them!

E. Foers

Nick’s support on both financial planning and mortgage advice has been superb. He was able to work quickly to clearly provide a range of options and action the advice, while ensuring I had full understanding of any implications. He works diligently and is flexible to chat through any questions at short notice. Would highly recommend Nick and the Grayson Lewis Team.

T Harries