Emmanuel has been exceptional he really went over and beyond for my mortgage. Was always available when I needed him. Thank you sooo much for all your hard work
We advise. We protect. We teach.
Independent UK mortgages and protection for first-time buyers, self-employed, landlords, and every case in between. For life, not just one transaction.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Three services. One relationship. Built around you.
Most brokers stop at the mortgage. We do not. We advise on the right deal, protect what matters, and teach you the things most advisers never explain.
Mortgages
For first-time buyers, remortgages, buy-to-let, self-employed, and complex cases. We search the whole UK market and recommend the deal that fits, not the easiest to process.
Explore MortgagesProtection
Life cover, critical illness, income protection, and home insurance, built around your real situation. Independent recommendations across the whole market, reviewed every year.
Explore ProtectionEducation
In-person and online events on property, mortgages, credit, and protection. From free community evenings to ticketed deep-dive sessions taught by working professionals.
Explore EventsAdvice you can trust. For life.
We are not a comparison website. We are not tied to a panel. We are an independent brokerage that stays with you across every transaction, every review, and every stage of your property journey.
Independent and FCA regulated
Authorised and regulated through our principal firm. Independent across both mortgages and protection.
Whole of market access
90+ lenders and the full UK protection market. We choose what fits you, not what fits a panel.
Specialist in complex cases
Self-employed, contractor day rates, adverse credit, unusual properties. We do not turn people away.
Education built in
We teach our clients what most advisers will not. Through events, content, and one to one explanation.
Reviewed every year
Your mortgage and protection are not set and forget. We review your cover and rate annually so you stay on the right deal as life changes.
Real work. Real clients. Real outcomes.
Three steps. No pressure at any point.
Free call
A 15 to 30 minute conversation. We listen, ask the right questions, and tell you honestly whether we can help.
Whole of market research
We compare 90+ lenders or insurers and bring you the options that genuinely fit your situation, with the reasoning behind each.
We handle the rest
Application, paperwork, and lender liaison all the way to completion. Then we stay in touch and review your cover or rate annually.
Most brokers will not explain it. We will.
Property finance is full of decisions that cost people money for years because no one explained the trade-offs at the start. We run free community events, paid deep-dive workshops, and online sessions so our clients and our community can make informed decisions, not lucky ones.
What clients say.
Emmanuel is the best guy for the job! He helped purchasing my dream home & I will always be grateful to him!
Emmanuel work is professional and unique we just met Emmanuel two months ago with sad and sorrow but Emmanuel told us, he will help us to get a mortgage offer that time our hope was gone because we was having a different broker who didn't help us to got an offer and our money was wasted but when we met Emmanuel everything was consistently and happy😊😃 and Emmanuel brought hope to our side. Anytime we give Emmanuel a message, he responds quickly, and even weekends always respond to our calls. Recently, Emmanuel has been the best broker. I recommended Emmanuel to everybody who is struggling to get a mortgage offer. Emmanuel is very expect. come, and you will laugh 😃 we are thankful for your tremendous support during this time. Your generous work was a blessing to us. Your thoughtfulness and generosity deeply move us to get an offer. We're overwhelmed with gratitude for your kindness. Word can not express how grateful we are. thank you very much. God bless you Emmanuel 🙏❤️ ♥️ 💖 Patience 🙏
We cannot recommend Emmanuel enough. From the very beginning, he was straightforward, professional, and incredibly easy to talk to. He kept us informed throughout the whole process and made what had been a stressful journey feel much more manageable. Not only did he secure our mortgage offer, but he also went the extra mile to negotiate us a better deal, which we truly appreciated. His communication, knowledge, and dedication were outstanding from start to finish. Emmanuel was genuinely a breath of fresh air, and we now feel we have a trusted broker for life. We would highly recommend him to anyone looking for a reliable, honest, and hardworking mortgage broker.
I am happy I chose PCS. Thank you for a job well-done.
I had an outstanding experience with Property Clinic Solutions. After several unsuccessful attempts to secure a mortgage with other providers, they made what felt impossible, possible. Emmanuel, in particular, went above and beyond, working tirelessly, staying persistent, and guiding me through every step of the process. His dedication, expertise, and clear communication made all the difference. I’m incredibly grateful for the support I received and would highly recommend Property Clinic Solutions to anyone struggling to get a mortgage. Truly a first-class service.
Emmanuel was a great help to me in achieving my mortgage offer. He worked really hard and was there to answer any questions I had. I would greatly recommend him. He was not frustrated once with the painful process of applying to different lenders each time, really appreciate all you did for me and my family. Thank you from the bottom of my heart.
I had an exceptional experience working with Property Clinic Solutions. From the very beginning, it was clear that he always puts his clients first. He was incredibly dedicated, never backing down until we received that important call confirming our mortgage approval. His perseverance and commitment made a significant difference in our journey to homeownership. The day we walked into our new house, we felt a wave of gratitude, knowing that we had the best support throughout the process. I highly recommend Mr Emmanuel Olutokun to anyone looking to secure a mortgage. His professionalism and client-focused approach truly set him apart from others. Thank you for your time, support, help and service 🙏
The entire Property Clinic Solutions team were brilliant and went over and beyond in helping me own my 1st ever home. Emmanuel was extremely helpful in liaising with the solicitors and although they had got me a mortgage, they continued to offer support until I finally completed and got my keys. I will surely be using them again and will recommend them to all my family and friends.
I had an excellent experience with Property Clinic. Emmanuel was a great adviser who supported me throughout the process of securing a mortgage on my Right to Buy property. The process took around two years, and during that time he was extremely helpful, particularly when it came to renewing my mortgage. I am very grateful for his consistent support and the clear, reliable communication he provided throughout. I would highly recommend Emmanuel to anyone considering purchasing a home or needing expert mortgage advice.
It took sometime to get a good broker, I tried 5 different brokers who made it seem getting on the ladder was almost impossible. However I was referred to Property Clinic Solutions and everything happened so smoothly. Mr Emmanuel was so professional and calmly talked/walked me through the process (whilst being also very practical). I do not regret using Property Clinic Solutions and would recommend them over and over again. Thank you for making this journey easy and possible.
Great service, enquiries responded to on time.
The absolute best. Demonstrated in-depth knowledge of the processes, very warm attitude, courteous and professional. I highly recommend.
Emmanuel has been exceptional he really went over and beyond for my mortgage. Was always available when I needed him. Thank you sooo much for all your hard work
Emmanuel is the best guy for the job! He helped purchasing my dream home & I will always be grateful to him!
Emmanuel work is professional and unique we just met Emmanuel two months ago with sad and sorrow but Emmanuel told us, he will help us to get a mortgage offer that time our hope was gone because we was having a different broker who didn't help us to got an offer and our money was wasted but when we met Emmanuel everything was consistently and happy😊😃 and Emmanuel brought hope to our side. Anytime we give Emmanuel a message, he responds quickly, and even weekends always respond to our calls. Recently, Emmanuel has been the best broker. I recommended Emmanuel to everybody who is struggling to get a mortgage offer. Emmanuel is very expect. come, and you will laugh 😃 we are thankful for your tremendous support during this time. Your generous work was a blessing to us. Your thoughtfulness and generosity deeply move us to get an offer. We're overwhelmed with gratitude for your kindness. Word can not express how grateful we are. thank you very much. God bless you Emmanuel 🙏❤️ ♥️ 💖 Patience 🙏
We cannot recommend Emmanuel enough. From the very beginning, he was straightforward, professional, and incredibly easy to talk to. He kept us informed throughout the whole process and made what had been a stressful journey feel much more manageable. Not only did he secure our mortgage offer, but he also went the extra mile to negotiate us a better deal, which we truly appreciated. His communication, knowledge, and dedication were outstanding from start to finish. Emmanuel was genuinely a breath of fresh air, and we now feel we have a trusted broker for life. We would highly recommend him to anyone looking for a reliable, honest, and hardworking mortgage broker.
I am happy I chose PCS. Thank you for a job well-done.
I had an outstanding experience with Property Clinic Solutions. After several unsuccessful attempts to secure a mortgage with other providers, they made what felt impossible, possible. Emmanuel, in particular, went above and beyond, working tirelessly, staying persistent, and guiding me through every step of the process. His dedication, expertise, and clear communication made all the difference. I’m incredibly grateful for the support I received and would highly recommend Property Clinic Solutions to anyone struggling to get a mortgage. Truly a first-class service.
Emmanuel was a great help to me in achieving my mortgage offer. He worked really hard and was there to answer any questions I had. I would greatly recommend him. He was not frustrated once with the painful process of applying to different lenders each time, really appreciate all you did for me and my family. Thank you from the bottom of my heart.
I had an exceptional experience working with Property Clinic Solutions. From the very beginning, it was clear that he always puts his clients first. He was incredibly dedicated, never backing down until we received that important call confirming our mortgage approval. His perseverance and commitment made a significant difference in our journey to homeownership. The day we walked into our new house, we felt a wave of gratitude, knowing that we had the best support throughout the process. I highly recommend Mr Emmanuel Olutokun to anyone looking to secure a mortgage. His professionalism and client-focused approach truly set him apart from others. Thank you for your time, support, help and service 🙏
The entire Property Clinic Solutions team were brilliant and went over and beyond in helping me own my 1st ever home. Emmanuel was extremely helpful in liaising with the solicitors and although they had got me a mortgage, they continued to offer support until I finally completed and got my keys. I will surely be using them again and will recommend them to all my family and friends.
I had an excellent experience with Property Clinic. Emmanuel was a great adviser who supported me throughout the process of securing a mortgage on my Right to Buy property. The process took around two years, and during that time he was extremely helpful, particularly when it came to renewing my mortgage. I am very grateful for his consistent support and the clear, reliable communication he provided throughout. I would highly recommend Emmanuel to anyone considering purchasing a home or needing expert mortgage advice.
It took sometime to get a good broker, I tried 5 different brokers who made it seem getting on the ladder was almost impossible. However I was referred to Property Clinic Solutions and everything happened so smoothly. Mr Emmanuel was so professional and calmly talked/walked me through the process (whilst being also very practical). I do not regret using Property Clinic Solutions and would recommend them over and over again. Thank you for making this journey easy and possible.
Great service, enquiries responded to on time.
The absolute best. Demonstrated in-depth knowledge of the processes, very warm attitude, courteous and professional. I highly recommend.
Not sure where to start?
First-time buyer
From Agreement in Principle to keys in hand. We guide you through every step and teach you what to expect before you sign anything.
Explore First-Time Buyer MortgagesSelf-employed or complex case
Contractor day rates, limited company directors, multiple income streams, adverse credit. We have placed cases other brokers refused.
Explore Self-Employed MortgagesLandlord or investor
Buy-to-let, HMOs, portfolio finance. Whole of market. We grow with you from your first BTL to your portfolio.
Explore Buy to LetProtection first
Life cover, critical illness, income protection. Independent advice across the full UK protection market.
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