Joseph Lane
Founder, CEO
I’m Joseph Lane, founder and CEO of Mortgage Lane. I’ve spent 9 years in UK mortgage finance, helping people get approved from first-time buyers to self-employed borrowers who don’t fit the standard lending boxes.
Before starting Mortgage Lane, I owned my own letting agency, which I later sold, then worked as a finance broker from 2017. That gave me significant insight into property investment mortgages for buy-to-let and commercial investors.”
Since founding Mortgage Lane in 2021, I’ve focused on specialist Buy-to-Let, Development Finance, Bridging, HMO, Serviced Accommodation & Holiday Lets, second charges, and mortgages for properties owned in Trust, including offshore trusts.
I write and speak regularly about the UK mortgage market; you can find my recent commentary and appearances below:
“First-time buyer mortgage salary gap”, The Independent
“The biggest challenge will be making deals stack up”, Bridging Loan Directory
“Second charge mortgage growth driven by rate protection”, Mortgage Introducer
(CeMAP, FCA 937192).
LinkedInMore mortgage insights and guides
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Bridging finance for HMOs: buying and converting to an HMO, licensing and Article 4, room sizes, bricks-and-mortar vs investment valuation, and the exit.
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The complete buy to let guide: ICR stress testing with worked examples, limited company vs personal ownership, portfolio rules, valuations, tax mechanics, and every specialist scenario linked.
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