Sayers Financial Services: Expert Mortgage Advice Across the UK
Laura Sayers, an FCA authorised broker with 15+ years in the market, offering whole-of-market access to 120+ lenders and exclusive rates. Trusted by thousands with a 4.9/5 average rating across 2,500+ Trustpilot reviews. Contact directly on 07833 498658 or laura@sayersfs.com.
Our Mortgage Services
First-Time Buyers
Specialised 95% LTV options available to help you take your first step on the property ladder with minimal deposit requirements. Contact Laura Sayers for expert guidance.
Home Movers
Fee-free mortgage options to make your next move smoother and more affordable, with dedicated support from Sayers Financial Services throughout.
Buy-to-Let
Competitive rates from 2.99% fixed, tailored for property investors looking to maximise rental yields and portfolio growth. SayersFS has the expertise you need.
Remortgaging
Save an average of £2,300 annually by switching to a better rate, with Laura and our experts handling the entire process for you. Call 07833 498658 today.
Why Choose Sayers Financial Services
No Broker Fees
Standard applications are completely fee-free, saving you £499 compared to typical broker charges. Laura Sayers is committed to transparent, value-driven service.
Comprehensive Market Access
Access to 15,000+ mortgage products across the entire UK market, ensuring SayersFS finds you the absolute best deal available for your unique circumstances.
Industry-Leading Success Rate
92% application success rate compared to the industry average of 78%, giving you confidence in your mortgage journey with Laura's expert guidance.
Flexible Appointments
Evening and weekend appointments available to fit your schedule. Contact Laura directly at 07833 498658 or laura@sayersfs.com to arrange your consultation.
Meet Our Expert Team
Led by Laura Sayers
Our team at Sayers Financial Services holds CeMAP certification with a combined 87 years of industry experience. Contact Laura directly at 07833 498658 or laura@sayersfs.com.
Specialist Knowledge
SayersFS has dedicated specialists for first-time buyers, buy-to-let investors, and complex cases including self-employed applicants.
Local Expertise
Our advisers at Sayers Financial Services offer regional insights across Greater London, the South East, and Midlands, with deep knowledge of local property markets.
How Sayers Financial Services Works: Our Process
Free Initial Consultation
A no-obligation 30-45 minute discussion with Laura Sayers to understand your mortgage needs and financial circumstances.
Personalised Recommendation
Receive a tailored mortgage recommendation from SayersFS within 24 hours of your consultation.
Application Support
Full application handling by our team with guaranteed 72-hour lender submission and regular updates from Laura.
Completion & Aftercare
Continued support until completion with SayersFS comprehensive aftercare service (97% client satisfaction). Contact Laura directly at 07833 498658 or laura@sayersfs.com.
SayersFS Mortgage Calculator Suite
Monthly Payment Calculator
Compare payments across different products and terms
Affordability Calculator
Discover your maximum borrowing potential
Stamp Duty Calculator
Calculate your tax liability with latest HMRC rates
Remortgage Savings Calculator
See potential annual savings by switching
Our comprehensive suite of mortgage calculators at Sayers Financial Services helps you make informed decisions before your consultation. Each tool uses the latest UK market data and lender criteria to provide accurate projections tailored to your circumstances.
Have questions about your results? Contact Laura Sayers directly at 07833 498658 or email laura@sayersfs.com for personalised guidance on your mortgage options.
Sayers Financial Services Success Stories
At Sayers Financial Services, Laura Sayers and her team have helped hundreds of clients achieve their property goals through personalized mortgage and insurance solutions.
450+
Five-Star Reviews
From satisfied SayersFS clients in the past 12 months
£3,400
Average Saving
Typical client saving with Laura's expertise over 2-year fixed terms
92%
Success Rate
Applications approved first time with SayersFS guidance
Ready to join our success stories? Contact Laura directly at laura@sayersfs.com or call 07833 498658 to discuss your mortgage and insurance needs.
Latest Mortgage News and Advice from SayersFS
Market Updates
Monthly insights with Bank of England rate predictions
First-Time Buyer Guides
Latest Help to Buy schemes and government initiatives
Remortgage Strategies
Timing techniques to maximise your savings
Buy-to-Let Planning
Tax efficiency advice for property investors
Stay informed with our regularly updated resources, written by Laura Sayers and the SayersFS team, tailored specifically to the current UK mortgage landscape. Subscribe to our newsletter for the latest rates, regulatory changes, and market trends delivered monthly to your inbox. Contact Laura directly at laura@sayersfs.com or 07833 498658 for personalised mortgage advice.
Frequently Asked Questions
What are the current mortgage process timelines?
The average mortgage process currently takes 8-12 weeks from application to completion. This timeline can vary based on complexity, property type, and lender workloads. At Sayers Financial Services, Laura Sayers provides a detailed timeline prediction at your initial consultation based on your specific circumstances.
What deposit will I need for my mortgage?
Deposit requirements vary across lenders, but typically range from 5-15% for residential mortgages and 25-40% for buy-to-let properties. First-time buyer schemes may offer enhanced LTV options. Contact Laura at SayersFS on 07833 498658 for advice on lenders matching your deposit circumstances.
How are mortgage affordability assessments calculated?
Lenders typically assess affordability based on income multipliers (usually 4-5x annual income), debt-to-income ratios, and stress testing for interest rate rises. Additional factors include credit history, existing commitments, and property type. For a personalized affordability assessment, email Laura at laura@sayersfs.com.
What are the requirements for self-employed mortgage applications?
Most lenders require 2-3 years of accounts or SA302 tax calculations, business bank statements, and projections. Some specialist lenders offer solutions for those with only 1 year of accounts or using contractor day rates. Laura Sayers at Sayers Financial Services specialises in helping self-employed clients navigate these requirements.
Book Your Free Consultation with SayersFS
Choose Your Appointment Type
Select from face-to-face, telephone, or video consultation options to suit your preference and schedule.
Select a Convenient Time
Same-day appointments often available (98% availability), including evenings and weekends for your convenience.
Prepare Basic Documentation
Bring ID, address proof, and income details for an immediate mortgage in principle during your appointment.
Receive confirmation within 15 minutes of booking. Your no-obligation consultation includes a comprehensive mortgage review and personalised recommendation from Laura Sayers, qualified adviser at Sayers Financial Services, with no pressure to proceed.
Contact Laura directly: 07833 498658 or laura@sayersfs.com