• We will make the mortgage process easy and stress-free.
• We make ourselves available around your timetable.
• We are part of a network and have access to many exclusive deals not on the high street.
• We are a fun and professional team.

We are a whole of market broker and that means we will be able to assess the whole of the market of lenders so they can recommend the very cheapest and or most suitable deal for you. This could potentially save you a lot of money.

Your borrowing ability is unique to your financial status. Lenders will use a combination of income and your committed expenditure to determine how much you can lend. We are experts at understanding your budget, knowing which lenders will lend the most based on your income, outgoings and profession.  

Being refused a mortgage can be worrying and frustrating. Mortgage lending is constantly changing and has developed new challenges post-COVID and raising a mortgage has become more difficult. We are fully qualified mortgage experts and have years of mortgage experience. We focus exclusively on mortgage advice and our knowledge of the market is extensive. This means we can help many customers obtain a mortgage after they have been turned down elsewhere.

You can start looking for a house as soon as we have told you the maximum that you can borrow, this is sometimes called the agreement in principle (AIP) or decision in principle (DIP)

• Valuation Fee - £200 - £500, When you apply for a mortgage, the lender will carry out a property valuation to check the home is worth roughly what you're planning to pay for it. The lender will usually arrange the valuation for you, but you may be expected to cover the cost. 
• Property Survey Cost - £400 - £1,500, Your lender's valuation survey only looks at how much the property is worth – it doesn't check for structural issues, and won't unearth any problems with the property. To protect yourself from buying a house with defects, you should always have a property survey done too.
• Broker fee - £295 - £1,000, the charge for the work the broker will do finding the best mortgage for you and doing the application.
• Legal Cost - £750 - £1,600, Your solicitor will either charge you a flat fee or a percentage of the value of the property. The fee depends on the type of property, its location and how complex the transaction is.

• Who do I go to? so many things to think about, do I go to my bank or building society or my dads best mate or uncle John?
• Who will give me expert advice?
• Who will be helpful and understanding?
• Who will be transparent?
• Who will get me a deal that suits me?
• At J T Financial Services we are all the above as we understand the process and will make it easy for you to get your first home.