How much can I borrow?

Most lenders offer around 4.5x your income — but in some cases, it can go up to 6x. Things like debts, dependants, and your credit score can all affect what you’re offered. Every lender looks at things slightly differently, but I can help you get a clear picture of what’s realistic for your situation.

In most cases, you’ll need at least a 5% deposit — but there are some options available that don’t require a deposit at all. It all depends on your circumstances, and I can help you understand what’s possible for you.

What does a mortgage broker actually do?

It’s not just about finding a great deal. I’ll help you figure out what you can borrow, match you with a lender that suits your unique situation, and guide you through every step from documents and decisions to getting the keys. My job is to keep things clear, calm and moving forward, so you can focus on the home, not the hassle.

What’s the difference between fixed and variable rates?

A fixed rate stays the same each month, so your payments won’t change. A variable rate can go up or down, depending on interest rates. One gives stability, the other gives flexibility — I’ll help you figure out which suits your budget and future plans best.

When should I speak to a broker, before or after finding a house?

Before. Speaking to a broker early means you’ll know exactly what you can afford, have your Agreement in Principle ready, and avoid wasting time on homes outside your budget. It also puts you in a stronger position when you’re ready to make an offer.

Mortgage broker

Turning home owning dreams into reality

For first-time buyers, home movers and remortgages across the UK

Lets talk…

The home you’ve been saving, scrolling & pinning? I’ll help you get there

From “Where do I even start?” to “I’ve got the keys!”, I’m here to guide you through the process. Clearly, calmly, and without the overwhelm.

Whether you're preparing to buy your first home, move into your next one, or just want someone to explain your mortgage options in plain English - you’re in the right place!

Helping first-time buyers and home movers feel confident about their finances at every step of the home-buying journey.

Laura from Nest Mortgage Advice working on mortgage plans from her laptop

Learn more

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First time buyers

Thinking ‘where do I even start?’ I’ll walk you through it step by step, clearly, calmly and without the overwhelm

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Home-Mover

Need to sell and buy at the same time? I’ll help you understand what’s possible and make sure the move makes financial sense.

Plan Your Move

Remortgage

Is your current deal ending, or do things just feel a bit different now? Let’s check if you could save money or find something that suits life today.

See What’s Possible

Meet the Broker

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Female mortgage broker sitting confidently at desk with laptop, smiling in a calm, modern setting.

Hi, I’m Laura, the broker behind Nest Mortgage Advice.

I’m here to make mortgages and protection feel a lot less complicated.

Whether you're buying your first home, moving house, reviewing your mortgage, or sorting cover for what matters most, I’ll help you work through it with clarity and confidence.

You don’t need all the answers upfront. I’ll talk you through your options, explain everything in real terms, and support you to make decisions that actually feel right.

Let’s take it one step at a time and make your next move make sense.

Book a Consultation

Got Questions? You're Not Alone

Most lenders offer around 4.5x your income — but in some cases, it can go up to 6x. Things like debts, dependants, and your credit score can all affect what you’re offered. Every lender looks at things slightly differently, but I can help you get a clear picture of what’s realistic for your situation.
In most cases, you’ll need at least a 5% deposit — but there are some options available that don’t require a deposit at all. It all depends on your circumstances, and I can help you understand what’s possible for you.
It’s not just about finding a great deal. I’ll help you figure out what you can borrow, match you with a lender that suits your unique situation, and guide you through every step from documents and decisions to getting the keys.
My job is to keep things clear, calm and moving forward, so you can focus on the home, not the hassle.
A fixed rate stays the same each month, so your payments won’t change. A variable rate can go up or down, depending on interest rates.
One gives stability, the other gives flexibility — I’ll help you figure out which suits your budget and future plans best.
Before. Speaking to a broker early means you’ll know exactly what you can afford, have your Agreement in Principle ready, and avoid wasting time on homes outside your budget.
It also puts you in a stronger position when you’re ready to make an offer.