LNK Mortgages

Mortgage and protection advice from LNK Mortgages

LNK Mortgages is a mortgage advisory business built around a single adviser, Charlene M. (formerly Charlene Kilgour), who states she has worked in the mortgage industry since 2000. Her background spans estate agency settings, mortgage brokerages and direct employment with a lender, an experience base the firm presents as giving her a view of how mortgages work from several sides of the transaction.

The practice covers residential and commercial mortgage advice as well as property insurance and health and protection cover. The firm describes its approach as explaining the detail without jargon and staying with clients through each stage of the process.

Residential mortgage advice

On the residential side, LNK Mortgages advises buyers on first homes, home moves, remortgages and buy-to-let purchases. The stated method is to review the whole picture rather than only the headline rate, weighing interest rates, mortgage terms and repayment options against the client's current and future circumstances.

Commercial finance and property insurance

For business clients, the firm handles commercial mortgage applications covering the purchase of business premises, refinancing of existing commercial property and expansion of an investment portfolio. It reports access to a range of lenders and products and frames its role as helping clients through the more complex affordability and loan-structuring requirements of commercial finance.

On the insurance side, LNK Mortgages arranges buildings insurance, which covers the structure of a property including walls, roof and fixtures, and contents insurance for personal belongings. The cover it describes addresses fire, theft and accidental damage.

Health and protection cover

The protection offering includes private medical insurance for faster access to diagnosis and treatment, life cover for family financial security, critical illness cover and income protection in case illness or injury prevents work. The adviser's stated aim is to explain what each policy does, identify gaps in existing cover and put plans in place accordingly.

How the adviser describes her practice

Charlene M. presents attention to detail as the core of her service, extending the review beyond the rate to the term, the repayment method and the protection in place. She notes that she lives in North Lanarkshire with her husband and two children. The firm's published material also includes a blog with articles on choosing a broker over AI tools, on what happens if rates fall during an application, and on later life mortgages, the last illustrated with a case involving a 68-year-old client still working who wanted to reduce her mortgage loan.

Client feedback and regulatory status

The site reproduces numerous short client testimonials, several of which describe repeat business over periods of ten to twenty years, and links to a Google rating without a figure displayed in the text. LNK Mortgages Ltd is an appointed representative of The Lending Channel Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference 626787 and registered at 2/1 King James VI Business Centre, Friarton Road, Perth, PH2 8DY. LNK Mortgages Ltd is itself authorised and regulated by the Financial Conduct Authority under reference 1059659, with the same registered address.