Karl Lawton

Karl Lawton

GHL Direct

Minimum mortgage: Any amount

0330 038 8938
Based in Stoke-on-Trent
View location
Top Rated 2026
Verified since: November, 2015
5 out of 5

973 reviews

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 14 April 2026

    Karl is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Karl's status

  • 98

    Recent Client Reviews

    Verified reviews: 100%

    Karl has received 98 client reviews in the past 12 months; 100% of these have been verified

  • Limited Mortgage Adviser

    Last checked: 12 January 2026

    Karl can advise across a limited set of mortgage products, which may be provided by companies Karl works with. This limitation may allow Karl to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Karl has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Karl has provided information on their typical fees

    Karl has added their fees to their profile. You can see them by clicking on the ‘fees’ tab below

  • 75

    Positive First Impressions

    92% of users who are not yet clients had a positive first experience with Karl

    92% of VouchedFor users have had a positive (4 or 5 star) first experience with Karl (based on 75 first impressions)

Mortgage Advice from High Street to Specialist Lenders With 25 years’ experience, we help all kinds of clients secure the right mortgage—whether your case is straightforward or a bit more complex. As advisers at GHL Direct (an Appointed Representative of The Openwork Partnership), we have access to a wide panel of lenders, from the big high-street names to niche specialists. Who we help First-time buyers, movers and remortgages Self-employed (sole traders, contractors & limited company directors) Buy-to-let and portfolio landlords (including SPVs and more complex cases) Credit blips, unusual property types, and other non-standard scenarios What you can expect Clear, personal advice tailored to your goals End-to-end support from our experienced team Access to competitive products across a broad lender panel Ready to talk mortgages? We’ll guide you through each step, paperwork and all. Meta description (for Google) Trusted UK mortgage advice with access to high-street and specialist lenders. 24 years’ experience. Self-employed, buy-to-let, complex cases and remortgages. Do you only use high-street lenders? No—alongside high-street banks we also work with specialist lenders for complex or non-standard cases. Can you help if I’m self-employed or run a limited company? Absolutely. We regularly arrange mortgages for sole traders, contractors and company directors. Do you advise landlords and portfolio owners? Yes. We support buy-to-let, portfolio and SPV structures, including more complex lending. Regulatory & Compliance YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority. GHL Direct is a trading name of GHL Network Services Ltd, which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on DD-MM-YY Get help with everything from buying your first property, to remortgaging, or funding investment in property. Warning: YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.