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Independent Mortgage Advisers in Lancashire

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Experienced Independent Mortgage Specialists

Got your eye on a new property?  Is your current mortgage deal up for review? Whatever the context, you want the deal that's best for you and your circumstances in the quickest possible time. How do you find the right deal?  With multiple lenders and an array of different packages on offer, it can be a minefield. But that's where John Earnshaw Independent Financial Advisers Ltd come in. With over 25 years in the mortgage sector, and having full access to mortgage lenders courtesy of being fully independent, we're confident that we can find the right deal for you. We are directly regulated and authorised by the Financial Conduct Authority and have a free rein to deal with any lender. Unlike many other firms, we do not charge a broker fee on application. We only charge once a case has been fully agreed and has proceeded to formal offer. We don't feel it is right to charge before we have achieved what we set out to achieve. As we do such a high volume, we get excellent treatment from the lenders to get a case through if need be. We have recently arranged mortgages with The Buckinghamshire Building Society, The Chorley Building Society and HSBC. We don't just rely on a few lenders to get you the outcome that you need. We will not leave a stone unturned in getting you the desired result. Did you know that you can apply up to 12 months in advance on a remortgage? Are you a first time buyer, self-employed or have adverse credit? Are you a portfolio landlord? Not sure about your credit file, click on the link at the bottom of the page (check my file). We are your go-to team, and cover the whole of the UK. Contact us today.

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Experienced and trusted team

Everything starts with a FREE initial consultation where we discuss what you need, whether it's an agreement in principle for a mortgage to buy that new home, a review of an insurance policy to safeguard your family's future, the release of equity so you can put a deposit on that buy-to-let property or a remortgage for home improvements. We will look into your affordability and establish a budget and what you can realistically afford. From that point, we use every means at our disposal to find the right deal for you and your needs.  We'll then put that deal to you - not using acronyms or jargon but with simple language that lets you know in clear terms what that deal will do for you.  We provide a FREE quote so you know ahead of time what you're signing up to and given that we have access to exclusive deals courtesy of our contacts in the sector, we're sure you'll be walking out of our office with a smile on your face.  We only charge a broker fee once the case has been fully agreed and proceeded to formal offer. We don't agree with charging a broker fee on application. Why not pick up the phone or email us in the first instance at  We cater for clients throughout the UK and are carrying out an increasing number of appointments over the phone.


We can offer appointments via Microsoft Teams, Zoom, telephone or face to face with the various measures in place.


After assessing your case, we can very often arrange an agreement in principle straight away.


We are committed to ensuring that your application is finalised as soon as possible. Our broker fees are among the lowest in the industry.  

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Stress free process

Genuinely can’t fault John in the slightest. Made the process of getting a mortgage a stress free process even with some tricky circumstances. He explained everything so well and made us both feel at ease throughout the whole process. Everything was completely very quickly and efficiently. Thankyou for all of your help!

Georgia Eastwood, Google

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