---
title: "Joseph Lane"
description: "Joseph Lane, founder of Mortgage Lane, is a property investor, national speaker and finance broker specialising in Buy to Let, Bridging and Development finance."
url: "https://mortgagelane.com/team/joseph-lane"
site: "Mortgage Lane"
collection: "team"
date: "2026-10-01"
reviewed: "2026-10-01"
reading_time: "2 min"
language: "en-GB"
robots: "index,follow"
---

# Joseph Lane

Joseph Lane, founder of Mortgage Lane, is a property investor, national speaker and finance broker specialising in Buy to Let, Bridging and Development finance.

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](https://www.independent.co.uk/bulletin/news/first-time-buyer-mortgage-average-salary-b2993248.html)

“The biggest challenge will be making deals stack up”, [Bridging Loan Directory](https://bridgingloandirectory.co.uk/the-five-minute-interview/the-biggest-challenge-will-be-making-deals-stack-up/)

“Second charge mortgage growth driven by rate protection”, [Mortgage Introducer](https://www.mpamag.com/uk/mortgage-industry/market-trends/ai-set-to-reshape-mortgage-assessment-and-advice-as-market-pressures-mount/577421)

***(CeMAP, FCA 937192).***

[LinkedIn](https://www.linkedin.com/in/joseph-lane-a92439113/)[joe@mortgagelane.com](mailto:joe@mortgagelane.com)[+44 7487 829005](tel:+447487829005)

## More mortgage insights and guides

- [2026](https://mortgagelane.com/short-term-finance/bridging-loans-vs-mortgages)Mortgage[Buy to Let Mortgages vs Bridging Loans \| Which to Use](https://mortgagelane.com/short-term-finance/bridging-loans-vs-mortgages)Buy to let mortgages vs bridging loans: speed, cost, property condition, assessment and exits — when each fits, and how bridge-to-let combines them.[Read more about Buy to Let Mortgages vs Bridging Loans \| Which to Use](https://mortgagelane.com/short-term-finance/bridging-loans-vs-mortgages)
- [2026](https://mortgagelane.com/short-term-finance/bridging-finance-for-hmos)Mortgage[Bridging Loans for HMOs \| Buy, Convert & Refinance](https://mortgagelane.com/short-term-finance/bridging-finance-for-hmos)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.[Read more about Bridging Loans for HMOs \| Buy, Convert & Refinance](https://mortgagelane.com/short-term-finance/bridging-finance-for-hmos)
- [2026](https://mortgagelane.com/guides/buy-to-let-mortgage-guide)Guide[Buy to Let Mortgage Guide](https://mortgagelane.com/guides/buy-to-let-mortgage-guide)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.[Read more about Buy to Let Mortgage Guide](https://mortgagelane.com/guides/buy-to-let-mortgage-guide)

## Talk it through with an adviser

Twenty minutes on the phone is usually enough to tell you what is realistic.

Published: 2026-10-01

Last reviewed: 2026-10-01

Source: https://mortgagelane.com/team/joseph-lane