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Property Clinic Solutions
0333 404 0589Get Started
About PCS

Independent advice. For life.

An independent UK mortgage and protection brokerage built on a simple idea: people make better decisions when someone takes the time to explain them. We advise, we protect, and we teach.

The Property Clinic Solutions team
Regulated advice
Appointed Representative of BSL
Regulated Advice CeMAP Qualified Advisers Whole of Market
Our Story

Built on purpose. Driven by impact.

Property Clinic Solutions was founded to make property and finance simple, accessible, and stress free. Our qualified specialists provide independent guidance and practical solutions built around each client's situation, not a standard template.

We support homeowners, landlords, investors, and tenants across mortgages, protection, and property education. Every recommendation is built on transparency, professionalism, and a commitment to doing what is right for the client.

Our mission is straightforward: help individuals, families, and businesses achieve their property goals with clarity, confidence, and long-term support. We are not here for one transaction. We are here to build lasting relationships.

How We Work

Getting a mortgage with us.

Most of the work is ours. Here is all it takes from you.

Step 1

Tell us about you

Answer a few quick questions, or book a free call. We learn your situation, your goals, and anything that has tripped you up before. It takes about two minutes to start.

Step 2

We find your match

We search the whole market, 90+ lenders, and bring you the options that genuinely fit, with the reasoning and the trade-offs set out clearly.

Step 3

We guide you to completion

Application, paperwork, lender liaison, and progress chasing, all handled by us. Then we set a reminder to review your rate before your next renewal.

How We Work

Arranging your protection.

A separate process, because cover is not an add-on to a mortgage.

Step 1

Protection review

A conversation about your income, your debts, your dependants, and any cover you already hold through work or elsewhere.

Step 2

Needs analysis

We work out the gap between what you have and what your household would actually need, and what it is realistic to spend closing it.

Step 3

Recommendation

We compare the whole UK protection market and recommend specific policies, with the cost and the exclusions of each set out clearly.

Step 4

Setup and annual review

We handle the application and the underwriting, then review the cover every year so it keeps pace with your life.

Our mission

Knowledge is power, but the application of knowledge is true power.

It is the reason we teach as well as advise. Knowing your options changes nothing on its own. Acting on them is what moves a family forward, so every piece of advice we give is explained until you can use it.

The Team

Meet the team.

Emmanuel Olukotun, Founder and Director
CeMAP QualifiedRegulated Advice15+ Years Experience

Emmanuel Olukotun

Founder and Director. CeMAP qualified.

Growing up in Brixton in the early 90s, Emmanuel saw firsthand how money operates as a tool of power, and how the lack of financial literacy quietly damages individuals, families, and entire communities.

With more than 15 years across the public and private sectors, including three London local authorities, Emmanuel is now a CeMAP qualified mortgage and protection adviser and Director of Blackstone Property Group.

His focus is teaching people the principles of property and protection, and showing how strategic decisions can change the trajectory of a family. He is a strong advocate of ownership and regularly encourages social tenants to consider the path to becoming homeowners.

Connect on LinkedIn
Franklyn Ginger-Eke, Protection Adviser

Franklyn Ginger-Eke

Protection Adviser

Protection SpecialistAnnual Reviews

Franklyn advises on protection: life cover, income protection, critical illness, and buildings and contents. He takes a client from the first fact-find through to cover being in place.

He also runs the annual reviews, because cover that fitted three years ago rarely still fits today. He speaks at Empowerment Through Property, our flagship event.

Shebuel Abraham, Administrator

Shebuel Abraham

Administrator

CeMAP QualifiedApplication to Completion

Shebuel runs the administration behind every case. He prepares and packages applications, keeps the paperwork in order, and chases lenders and solicitors so nothing sits still.

He is also the person clients hear from between milestones, so they always know where their case has got to. Most of the friction in a mortgage comes after the decision is made, and his job is to take that off the client.

What We Stand For

Our values.

Transparency

We are honest about costs, process, and outcomes. No hidden fees. No surprises.

Client First

Every recommendation is built around your circumstances, not what is easiest for us.

Education

We believe informed clients make better decisions. We teach. We do not just transact.

Excellence

We hold ourselves to the highest professional standards in everything we touch.

Our Fees

No upfront cost. No surprises.

The initial conversation is always free. There is no charge to find out whether we can help and no obligation to proceed.

If you choose to go ahead, any fee is agreed and explained in writing before we do the work, and most of our advice is paid for by the lender or insurer on completion, not by you. You will always know exactly what you are paying and why before you commit to anything.

Common Questions

What to expect, answered straight.

How long does it take to get started?

About two minutes. Answer a few questions through our Get Started form, or book a free call at a time that suits you. We respond to every enquiry within one working day.

Do I have to pay anything to talk to you?

No. The initial conversation is free and there is no obligation. We only charge a fee, where one applies, once your case completes, and we agree it with you in writing first.

Will this affect my credit score?

No. Getting started and our initial research do not affect your credit score. A full application later is a hard search, and we sequence everything to avoid unnecessary checks.

What if I have been refused before?

Tell us what happened. We work with specialist lenders who consider self-employment, adverse credit, complex income, and unusual property. Often we can help where others could not.

Do you only do mortgages?

No. We advise on mortgages and on protection: life cover, income protection, critical illness, and buildings and contents, so your home and your income are both looked after.

Regulation

How we are regulated.

Property Clinic Solutions Limited is an Appointed Representative of BSL Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority under FRN 816566. Property Clinic Solutions Limited is registered in England and Wales, company number 15630130, registered office 1 Mychell House, Pincott Road, London, SW19 2NN.

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

Work With Us

Ready to start your property journey?

Book a free consultation with one of our advisers and take the first step towards your property goals.

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