Your Financial Assurance

Your Financial Assurance - St Albans Broker | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Your Financial Assurance

At Your Financial Assurance, I focus on navigating the often complex world of mortgages, ensuring that clients in Welwyn Garden City, St Albans, and the wider East of England receive clear and expert guidance throughout their journey. I specialise in a range of mortgage solutions tailored to meet diverse needs, including bridging finance, buy-to-let properties, commercial mortgages, and options for first-time buyers. Understanding that every client has unique circumstances, I take the time to delve into your specific requirements and financial situation. For those venturing into property investment, I provide insightful advice on buy-to-let mortgages and house in multiple occupation (HMO) financing. I’m keenly aware of the intricacies involved in these sectors, which allows me to offer informed strategies that align with your investment goals. Remortgaging can often feel daunting, but I simplify the process by clearly explaining the potential advantages and options available. Whether you are looking to secure a better rate, release equity, or consolidate debts, I can guide you through the choices that best suit your financial aims. My expertise extends to residential mortgages as well, catering to a broad spectrum of homebuyers, from those purchasing their first home to seasoned homeowners looking to move or remortgage. In addition to my focus on property finance, I also assist clients with second charge mortgages for those who require additional funding without needing to refinance their primary mortgage. This flexibility can often be a key element of a comprehensive financial strategy. I pride myself on delivering a streamlined and efficient mortgage application process. By leveraging technology and maintaining clear communication, I ensure that you remain informed at every stage. From the initial consultation to the final paperwork, my goal is to make the experience as smooth and stress-free as possible.

Specialisations

BridgingBuy-to-LetCommercialHMO

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(115 reviews)

Alice Livermore

27 Feb 2026

As first-time buyers, we needed guidance every step of the way, and no question ever felt like an inconvenience. Lauren was incredibly helpful, supportive, and informative throughout the entire process. Everything was explained clearly, which gave us real confidence at each stage. Communication was always swift and easy, and Lauren was consistently on hand to help whenever we needed it. We couldn’t have asked for a better experience and would highly recommend her to anyone looking for a mortgage advisor.

graham weaver

29 Nov 2025

Incredible service from Laurence at YFA!! Cannot recommend more highly!! I had a complicated situation - overseas worker, seafarer, contractor with sporadic pay. Many things to make it very hard to get a mortgage. And he found me one when noone else could!! He made the whole process unbelievably straightforward. And dealt so well with solicitors who were also not making things easy. Thank you so much Laurence, so so grateful for you and all the hard work you put in.

Ruby Bratton

27 Nov 2025

Laurence was fantastic. He has amazing knowledge, and was very reliable. He explained the ins and outs to me, which was very much appreciated as a first time buyer, He made me feel at ease throughout the process, he was happy to answer any questions before, during and afterwards. I will definitely be using him for future mortgages, Thank you so much! ☺️

David Brand

29 Oct 2025

I recently worked with Laurence Penn (CeMAP, CeRER, CPSP) from Your Financial Assurance Ltd, and I couldn’t be more impressed. Laurence is extremely knowledgeable, professional, and patient — he took the time to understand my circumstances in detail and provided clear, tailored advice that genuinely made a difference. What stood out most was his ability to explain complex financial products in plain English, ensuring I was confident in every decision. His communication was excellent throughout the process, and I always felt supported and well-informed. Whether you’re looking for mortgage, protection, or pension advice, I would highly recommend Laurence and Your Financial Assurance Ltd for their expertise, integrity, and client-focused approach.

Talha P

11 Oct 2025

Laurence was exceptionally professional and understanding. He got me the best market rate and deal currently available compared to any other lender’s. Exceptionally pleased with his service and how prompt he is. He’s Always available and was flexible to changes I had. Cant recommend enough, top service!