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Property Clinic Solutions
0333 404 0589Get Started
Professional Property People

We advise. We protect. We teach.

Clear mortgage and protection advice for first-time buyers, homeowners, self-employed professionals, landlords and people with more complex circumstances. Support for this decision and the ones that follow.

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

A row of classic English red-brick Victorian townhouses
Whole of market
90+ lenders, not a panel
Independent advice
Whole of Market 90+ Lenders Independent Advice
What We Do

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 Mortgages

Protection

Life cover, critical illness, income protection, and home insurance, built around your real situation. Independent recommendations across the whole market, reviewed every year.

Explore Protection

Education

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 Events
Why PCS

Advice 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.

A beautifully renovated UK home interior

Regulated advice

Property Clinic Solutions is an Appointed Representative of BSL Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

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 regularly help clients with complex circumstances and assess every enquiry individually.

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.

Track Record

Real work. Real clients. Real outcomes.

500+
Clients helped
90+
Lenders accessed
12+
Community events delivered
5+
UK cities served
How We Work

Three steps, start to finish.

Step 1

Free call

A 15 to 30 minute conversation. We listen, ask the right questions, and tell you honestly whether we can help.

Step 2

Mortgage research

We compare suitable mortgages and protection policies available through our service and explain the rates, criteria, costs and trade-offs clearly.

Step 3

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.

Get Started
Regulated adviceAccess to 90+ lendersPersonal recommendationsRegulated adviceAccess to 90+ lendersPersonal recommendations
Why We Teach

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. Empowerment Through Property is our answer to that: a full day, in person, so our clients and our community can make informed decisions rather than lucky ones.

Two in-person editions a year
Free and ticketed sessions
Taught by working property and finance professionals
Online sessions for people who cannot travel
A full room at Empowerment Through Property in LondonOur flagship event

Empowerment Through Property

Build Wealth, Sustain Health

Three editions ran across 2026, in Croydon, Manchester and Hammersmith. From here we run two a year.

The next two are planned for 2027, one in spring and one in autumn.

Client Stories

What clients say.

Rated 5.0 on Google
RH
R Haq
2 days ago

I cannot recommend Property Clinic Solutions highly enough, and in particular, Emmanuel, who has been absolutely outstanding throughout my property finance journey. What started as a particularly complex matter, with numerous challenges and obstacles along the way, was handled with an exceptional level of knowledge, professionalism and determination. Emmanuel took the time to understand my circumstances, what I was trying to achieve and the wider picture, rather than simply treating it as another mortgage application. What truly sets Emmanuel apart is his accessibility and responsiveness. He was always contactable, consistently prompt with his replies (evening out of hours!!) and never made me feel as though I was chasing for an update. No matter how complicated the situation became, he always seemed to have a solution or a practical way forward. Even when faced with the most complex issues, his approach was never simply “it can’t be done” - it was about finding out how it could be done. His knowledge, persistence and ability to navigate the complexities of the process made a tremendous difference. He remained proactive, approachable and committed to getting the matter over the line, even when the challenges seemed never-ending. I’m extremely grateful for all the hard work, support and genuine personal attention. Emmanuel has earned my complete confidence, and I would have no hesitation in recommending him and Property Clinic Solutions to anyone looking for a knowledgeable, reliable and genuinely dedicated mortgage broker. Thank you again, Emmanuel. It has been a pleasure working with you, and I look forward to working together on many more property transactions in the future!

MD
Mike Dara
a day ago

I had an excellent experience working with my mortgage broker from start to finish. The whole mortgage process was made much easier and less stressful thanks to their professionalism, knowledge, and constant support. They were always available to answer my questions, explained everything clearly, and guided me through every step of the process. I really appreciated the effort and dedication they put into helping me secure my mortgage. I would highly recommend them to anyone looking for a reliable, professional, and supportive mortgage broker. Thank you again for all your help!

DA
d a
7 weeks ago

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

JR
Jas Rai
7 weeks ago

Emmanuel is the best guy for the job! He helped purchasing my dream home & I will always be grateful to him!

PM
Patience Mensah
3 months ago

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 🙏

MO
Mary Oberiko
3 months ago

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.

AB
Adeola Banjo
3 months ago

I am happy I chose PCS. Thank you for a job well-done.

AH
Aasia Henry
4 months ago

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.

SN
Sheila Nyaluyima
6 months ago

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.

RA
Risikat Adekoluejo
6 months ago

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 🙏

AK
Augustus Kodua
6 months ago

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.

SB
Shazna Begum
6 months ago

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.

EA
Elizabeth Afon
7 months ago

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.

FO
Femi Olowe
7 months ago

Great service, enquiries responded to on time.

E
Emmanuel
7 months ago

The absolute best. Demonstrated in-depth knowledge of the processes, very warm attitude, courteous and professional. I highly recommend.

RH
R Haq
2 days ago

I cannot recommend Property Clinic Solutions highly enough, and in particular, Emmanuel, who has been absolutely outstanding throughout my property finance journey. What started as a particularly complex matter, with numerous challenges and obstacles along the way, was handled with an exceptional level of knowledge, professionalism and determination. Emmanuel took the time to understand my circumstances, what I was trying to achieve and the wider picture, rather than simply treating it as another mortgage application. What truly sets Emmanuel apart is his accessibility and responsiveness. He was always contactable, consistently prompt with his replies (evening out of hours!!) and never made me feel as though I was chasing for an update. No matter how complicated the situation became, he always seemed to have a solution or a practical way forward. Even when faced with the most complex issues, his approach was never simply “it can’t be done” - it was about finding out how it could be done. His knowledge, persistence and ability to navigate the complexities of the process made a tremendous difference. He remained proactive, approachable and committed to getting the matter over the line, even when the challenges seemed never-ending. I’m extremely grateful for all the hard work, support and genuine personal attention. Emmanuel has earned my complete confidence, and I would have no hesitation in recommending him and Property Clinic Solutions to anyone looking for a knowledgeable, reliable and genuinely dedicated mortgage broker. Thank you again, Emmanuel. It has been a pleasure working with you, and I look forward to working together on many more property transactions in the future!

MD
Mike Dara
a day ago

I had an excellent experience working with my mortgage broker from start to finish. The whole mortgage process was made much easier and less stressful thanks to their professionalism, knowledge, and constant support. They were always available to answer my questions, explained everything clearly, and guided me through every step of the process. I really appreciated the effort and dedication they put into helping me secure my mortgage. I would highly recommend them to anyone looking for a reliable, professional, and supportive mortgage broker. Thank you again for all your help!

DA
d a
7 weeks ago

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

JR
Jas Rai
7 weeks ago

Emmanuel is the best guy for the job! He helped purchasing my dream home & I will always be grateful to him!

PM
Patience Mensah
3 months ago

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 🙏

MO
Mary Oberiko
3 months ago

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.

AB
Adeola Banjo
3 months ago

I am happy I chose PCS. Thank you for a job well-done.

AH
Aasia Henry
4 months ago

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.

SN
Sheila Nyaluyima
6 months ago

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.

RA
Risikat Adekoluejo
6 months ago

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 🙏

AK
Augustus Kodua
6 months ago

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.

SB
Shazna Begum
6 months ago

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.

EA
Elizabeth Afon
7 months ago

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.

FO
Femi Olowe
7 months ago

Great service, enquiries responded to on time.

E
Emmanuel
7 months ago

The absolute best. Demonstrated in-depth knowledge of the processes, very warm attitude, courteous and professional. I highly recommend.

See all our reviews on Google

Reviews describe individual clients' experiences. Mortgage availability and outcomes depend on personal circumstances, lender criteria and status.

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