Welcome to J T Financial Services Mortgage Brokers in Manchester and Cheshire.

We take the stress away from obtaining a mortgage.

• Need help getting a mortgage?7
• Want a straightforward process?
• Want the best deal?
• Want a flexible broker?

Many clients contact us 3 – 12 months before getting a mortgage so that they can start preparing the details that will be needed at the time of a mortgage. We find that this helps and stops any unnecessary delays when you find your dream house.

Click the link and we will call you back and help you with the process of getting a mortgage.

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Why do clients come to us?

1. We take the stress away from obtaining a mortgage and hold your hand throughout.
2. We are whole of market broker which means will be able to assess the whole of the market of lenders so we can recommend the most suitable deal for you. This could potentially save you thousands of pounds against other brokers.
3. Opening hours - we are flexible around your timetable.
4. Fees and charges - we normally charge a flat fee so you know the cost before we work together.
5. Method of communication - we use voice calls, zoom, emails and face to face meetings.
6. We keep you updated at the different stages in the process.

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How we work

1. Initial chat - about 10 minutes to see how we can help you.
2. Data collection call/meeting - we note your personal circumstances including income your expenses, your savings & investments, your existing mortgage if you have one and request some documents.
3. Decision on principle - after reviewing the data and speaking to lenders we tell you how much you can borrow.
4. Looking for a property – once you find a property you give us the details and we do a full application.

A mortgage is one of the largest financial transactions you will do and we are here to make sure you get it right and help ensure the process runs smoothly and efficiently. We work with first time buyers, re-mortgage and home movers in Manchester and Cheshire as well as Buy to let.

As a first time buyer, you may be feeling nervous at the prospect of buying your first home and have lots of questions about how much you can borrow? how to put in offers and which solicitor to us? And a few more. We have the answers and will hold your hand along the way.

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