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Banks don’t understand your business, your income, or you

Smarter Finance for the Real World

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⭐⭐⭐⭐⭐ “Stuart made everything simple and helped us secure the funding we needed.” — Carwyn H.

Most people pay more for finance than they need to usually because no one ever explains how it really works.

I break it down simply, clearly, and without the jargon.

What the Smart Finance Blueprint Helps You Do

The Smart Finance Blueprint gives you the exact steps lenders look for so you can prepare properly, avoid delays, and increase your chances of approval.

 

3 key benefits:

  • Understand what lenders want (before you apply)

  • Avoid common mistakes that cause declines

  • See how to prepare your business or property for finance

⭐⭐⭐⭐⭐ “Clear, straight advice that saved us time and stress.” — M. Lomas

What People Say About Working With Me

When lenders say no, my clients don’t give up they get tailored advice, a clear strategy, and finance that works for their circumstances.

Jane Graham

Nottinghamshire, UK

“I recently worked with Stuart Johnston on a mortgage refinance, and I couldn’t be happier with the experience… he took the time to explain all my options clearly… guided me through every step… made what could have been a stressful process feel smooth and straightforward.”

Finance Shouldn’t Be This Confusing

I help:

  • Business owners

  • Property investors (BRR / BTL / bridging)

  • Self-employed professionals

  • Company directors

With:

  • Business loans

  • Bridging & property finance

  • Buy-to-let

  • Remortgage planning

  • Strategy & preparation

⭐⭐⭐⭐⭐ “Stuart understood my business and explained everything in plain English.” — Cantelo Lighting

FCA-regulated • Independent • No obligation

Business Owner Finance Solutions: Mortgages | BTL | Bridging | Business Loans

A Simple, Calm Finance Process

Step 1 — Download the Blueprint

Get clear on what lenders need — takes just 7 minutes.

 

Step 2 — Book a Consultation (optional)

If you want personalised guidance, I’ll review your situation and outline your best options.

 

Step 3 — Get the right finance

I search the whole market and help you secure the right deal.

Your Free Smart Finance Blueprint

A simple guide I created to help you:

 

  • Avoid the biggest finance mistakes

  • Prepare properly before applying

  • Understand how lenders think

  • Save money on mortgages, loans and property finance

  • Feel more confident navigating the entire process

If you’re planning to borrow in the next 6–12 months, guessing is one of the most expensive mistakes you can make.

 

It’s straight-talking, practical and based on real client experience.

FCA-regulated • Independent • No obligation

Clear Guidance. Real Support. No Jargon.

I help people make confident decisions about:

 

  • Mortgages

  • Buy-to-let & investment property

  • Business loans and funding

  • Self-employed finance

  • Cashflow, planning & strategy

If you’re planning to borrow in the next 6–12 months, guessing is one of the most expensive mistakes you can make.

Whether you’re stuck, unsure or want to avoid expensive mistakes I’ll explain your options in a way that finally makes sense

FCA-regulated • Independent • No obligation

Trusted by Business Owners & Property Investors Across Surrey and the South East

  • Independent, whole-of-market access

  • AR of Connect IFA (FCA regulated)

  • 18+ ★★★★★ Trustpilot reviews

  • 20 years of real landlord experience

  • Clear, jargon-free guidance

  • Direct access to me; not a call centre

Your income doesn’t need to fit a bank’s box.

You just need someone who understands how you really work.

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FCA-regulated • Independent • No obligation

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Finance with Stuart is a personal brand of Kingston Finance Ltd, Company Number 14227379, incorporated on 12 July 2022, registered in England & Wales. Registered Office: 4 Crabtree Lane, Great Bookham, Leatherhead, England, KT23 4PF.

 

Kingston Finance Ltd (FRN 982690) is an Appointed Representative of Connect IFA Ltd (FRN 441505), which is authorised and regulated by the Financial Conduct Authority. Not all services we offer are regulated by the FCA.

 

Your home may be repossessed if you do not keep up repayments on your mortgage. The value of property investments can go down as well as up. Business finance and some buy-to-let mortgages are not regulated by the FCA.

FIBA MEMBER
NACFB
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