Lifestyle Choices
Call
Independent mortgage & protection advice, UK-wide

Honest advice for life's biggest choices

I'm Rafe Baker, an independent mortgage and protection adviser based in Iwade, Kent. I help people across the UK buy homes, fix rates and protect their families with confidence. Plain English, a wide range of lenders, and one adviser who stays with you from first chat to completion.

Book a Free ConsultationCall me on 07809 215017
  • Independent, tailored advice
  • CII-qualified adviser
  • FCA registered
  • Based in Iwade, Kent
  • Free initial consultation
Who I help

Real advice for real situations

Every case is different, but if one of these sounds like you, you're in the right place.

First-time buyersJargon-free guidance from deposit to keys, with a plan you actually understand.Home moversPorting, upsizing and timing two transactions without the panic.RemortgagersRate reviews and better deals, so you never drift onto the standard variable rate.LandlordsBuy-to-let done properly, from first rental to limited-company portfolios.Self-employed & contractorsAdvice from someone who understands accounts, day rates and retained profit.Families & business ownersLife cover, income protection and business protection that fit real budgets.
Two ways I can help

Mortgages and protection, under one roof

The mortgage gets you the house. The protection makes sure your family keeps it. I advise on both, so nothing falls between the cracks.

Mortgages

First home, next home, better rate or growing portfolio. Independent advice from a wide range of lenders.

  • First-Time Buyers
  • Home Movers
  • Remortgages
  • Buy-to-Let
  • Self-Employed
  • Shared Ownership
  • New Build
Explore mortgages

Protection

A mortgage gets you the house. Protection makes sure your family keeps it, whatever happens.

  • Personal Protection
  • Life Insurance
  • Critical Illness Cover
  • Income Protection
  • Family Income Benefit
  • Business Protection
  • Relevant Life Plans
  • Key Person Protection
Explore protection
Why Lifestyle Choices

Advice you'd recommend to your mum

No call centres, no scripts, no pushing products you don't need. Just the standard everyone deserves and few people actually get.

Independent, tailored advice

Recommendations built around your circumstances from a wide range of lenders and providers. Never one-size-fits-all.

Clear, honest communication

Plain English at every stage. If something isn't right for you, I'll say so and explain why.

The whole market searched

High-street names and specialist lenders alike, matched to how you actually earn and live.

Personal, not a call centre

One adviser who knows your case, answers his own phone and remembers your name.

Support beyond completion

Ongoing reviews so your mortgage and protection stay right as life changes.

Based in Iwade, advising UK-wide

Rooted in Iwade, Kent, I look after clients across the whole of the UK, in person locally or by phone and video wherever you are.

How it works

Six steps, one steady pair of hands

From the first free chat to long after completion, here's the journey, minus the mystery.

  1. Initial consultation

    A free, no-obligation chat about where you are and where you want to be.

  2. Understanding your needs

    A proper review of your circumstances, income and goals.

  3. Research & recommendations

    I search a wide range of lenders and explain your options in plain English.

  4. Application & management

    Paperwork handled, lenders chased, everything kept moving.

  5. Completion

    Keys in hand, cover in place, over the finish line.

  6. Ongoing support & reviews

    Regular check-ins so your arrangements stay right as life changes.

See the full process
What clients say

Trust is earned, not claimed

My reviews live on Google.

Every review is written by a real client and verified through Google's own review system, so what you read is what people actually said.

Read our reviews on Google

Based at 3 McLaren House, Alefe Way, Iwade, Sittingbourne, Kent ME9 8TX.

Free initial consultation

Let's talk about your next move

A free, no-obligation chat is the easiest first step. Tell me what you're hoping to do, and I'll tell you honestly how I can help.

Book a Free Consultationor call 07809 215017