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About Us

Creative Lending Solutions is based in Hampshire but our service is nationwide, helping customers across the whole of the UK.

 

We believe in keeping things simple, even when some of the mortgages we help arrange may be on the more demanding side, and we remain committed to delivering the best outcome for our customers.

 

We are a proud member of HL Partnership, who are regulated and authorised by the Financial Conduct Authority, and this is an additional layer of assurance that you will benefit from when you deal with us.

Which lenders do we use?

As a member of HL Partnership, we have access to a comprehensive range of lenders, including exclusive mortgage products which are not available directly. That’s all the lenders you will have heard of and maybe a few that you haven’t.

Our fees

We do not charge a fee for our initial consultation and there is no obligation to take up any recommendation that we make.


If we process a full mortgage application, a fee is payable only on its completion. The precise amount will depend on circumstances but it will not exceed £995. It may be possible to add this fee to your new mortgage, but you should note that in doing so interest will accrue against this sum over the term of the borrowing.

 

If your new mortgage does not complete for any reason, including a change of heart, you will not pay us a fee.

 

If a better option becomes available after we have submitted your mortgage application, or even after your mortgage offer has been issued, there are no fees payable to change to a new rate, whether this is with the same lender or another.


Mike Newman
Lead Mortgage Adviser

I’m Mike, a personable and professional mortgage adviser with over 20 years of experience in financial services. I have helped thousands of customers find the right mortgage solution for them and I am proud to have maintained the highest level of service throughout this time. I launched Creative Lending Solutions to help many more customers obtain a mortgage, particularly those who may have received disappointment elsewhere, and I hope to be speaking with you soon. The qualifications I hold in financial services are CeMAP, CeRER and CeFA.

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I cannot praise Mike Newman enough for the superb service he provided in arranging our mortgage. I'd have absolutely no reservations about recommending his services. Thanks, Mike!

M.F & S.F Cardiff

First class service. Mike Newman is extremely good at his job, knows his products that best suit your needs, responds really quickly to your messages, great to speak to on the phone.

J.M Penzance

Mike was amazing! After being let down by my own bank, Mike sorted everything. The whole process went along without any problems at all. He was always on hand if ever I needed to ask anything and he kept in touch with me along the way! Absolute 5* service!

K.P Birmingham

A first rate, professional service. We were very impressed with Mike. He kept us fully informed at each stage of the process, answering our queries and making what some consider a complicated and stressful time absolutely painless.

P.R & S.R Fareham

Outstanding service. Mike was extremely polite, helpful and knowledgeable. Always kept in contact and replied to emails returned calls quick and efficiently. More than happy with the service.

A.P Birchington

We are so pleased that we decided to choose this company for finding a new mortgage. Communication and their patience at answering our queries was excellent. We will not hesitate to use Creative in the future.

G.R & R.R Norfolk

Absolutely excellent, from beginning to end I couldn't fault Mike and Natalie. On time, responsive, proactive and accurate. Also the respect and understanding they demonstrated was unexpected in this world today.

S.O & N.O Lyme Regis

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