Just Mortgages

A remortgage can release equity tied up in your property, giving you access to funds for that dream home improvement project. 🌴

Let me help you explore your options and see if a remortgage is right for you. Get in touch today on 0345 2185211 for a no-obligation initial consultation! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 26/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

You wouldn't dream of heading out without putting on some suncream, so why leave your finances unprotected? ☀

Income protection acts like a financial SPF, helping to shield you from unexpected income loss due to illness or injury. 🤕

Here's why it's important:
✅ Peace of mind: Knowing you’ll retain some income to put towards bills can take a weight off your shoulders during a tough time.
✅ Helps to maintain your lifestyle: Income protection can help to meet the costs of living the life you love
✅ Debt mitigation: Helps to manage repayments on the mortgage or other debts

Call us today on 0345 2185211

Approved by The Openwork Partnership on 24/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

We hope you all have a wonderful bank holiday ☀

Don't drown in confusion! We're here to put your mind at ease. 😊

Let's break down those confusing terms and find the right mortgage for you and your circumstances. 🤝

We’ll be by your side every step of the way! 😄

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 18/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Buy To Let (BTL) can be a stepping stone towards building a larger property portfolio. 🏡🏠🏘
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy To Let Mortgages are not regulated by The Financial Conduct Authority

As you gain experience and manage your first BTL investment successfully, you can consider acquiring additional properties. This can be a powerful wealth-building strategy, allowing you to leverage rental income and potential property value appreciation across your portfolio. 💸

However, it's essential to be mindful of increasing your financial commitments and manage risk effectively. 📈
Are you thinking about Buy To Let? Call us on 0345 2185211 today!

Approved by The Openwork Partnership on 18/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Thinking of increasing your ownership stake in your Shared Ownership home? Staircasing could be the answer! 😊
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Staircasing is a way for Shared Ownership homeowners to buy more shares in their property over time. This means you'll own a bigger percentage, reducing the rent you pay to the housing association. 🤝

We can help you understand the staircasing process, check if it's right for you, and explore your mortgage options. Contact us today! 📞✉

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

1. Try a no-spend week or month
This means you’re only spending money on the essentials – basic food (no indulgences), utilities, housing and travel. The things you can’t spend on are luxuries like eating out, coffee shops, takeaways, non-essential clothes and extras like ride-sharing apps, cinema trips or salon treatments. Note down how much less you’ve spent over the period than usual.

2. Save 10% of your monthly wage
Take 10% of your salary (after deductions) and put it in a savings account every month. If you do this on the same day as you’re paid, you’re less likely to miss it. This way of saving gives you an idea of how much you’re earning and makes your money work a bit harder.

3. Save a pound every day
You could set up a standing order to make it easier. After a year you’ll have £365.

4. Save for 52 weeks
At the end of week one, save £1. At the end of week two, make it £2. Carry on increasing the amount until week 52 (when you’ll be saving £52). By doing this, your savings for the year should be £1,378.

5. Try online marketplaces to sell unwanted items
There are plenty of apps to help you sell things like clothing or furniture you no longer use. Try putting the money you make straight into your savings account.

6. Stop a spending habit for a month
Your habit could be buying cosmetics, coffee or fast fashion. Whatever it is, pause it for a month and see how much you can save compared to a regular month.

7. Food shopping
Save money when you’re food shopping by scanning the supermarket’s own brand range. You could find items that are similar to – or better than – the branded versions.

If this is something you are struggling with, email us today and we can discuss some more saving tips!

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

One of the primary advantages of Buy To Let is the potential for generating a regular income through rent. This can be particularly appealing if you're looking for additional income to supplement your current earnings, invest for retirement, or pursue other financial goals. 💸

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy To Let Mortgages are not regulated by The Financial Conduct Authority

However, it's crucial to remember that rental income isn't guaranteed. Market fluctuations, void periods, and maintenance costs can all impact your income stream. 📈📉

Let’s discuss if Buy to Let is right for you, call us today!

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Life insurance pays an agreed lump sum to your loved ones (or any other beneficiaries) when you die. The terms of the amount paid out are set when you buy your policy. 🤝

Life insurance is there to help ensure your family has financial security during a difficult time without you and to give you the peace of mind that they will receive a lump sum to use for whatever they need. 👶

1. Term assurance ✅
Runs for a set number of years and a payout is made if you die during the term. Once the term comes to an end, coverage also ends, so if you die after the end of the term, there is no payout.

2. Whole life insurance ✅
Carries on for as long as you are alive and will pay a lump sum when you die. Whole life will cost more in premiums than term life, and you will keep paying the premiums on your policy throughout your life, to stay covered.

3. Employee life insurance ✅
Check with your employer to see if you are covered by employee or group life insurance (also known as a death-in-service benefit) as part of your contract. This coverage usually pays between two and four times your annual salary.

If you are thinking about life insurance, get in touch on 0345 2185211

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

If you're facing challenges selling a property, Buy To Let (BTL) can offer an alternative solution. 😊

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy To Let Mortgages are not regulated by The Financial Conduct Authority

By letting out the property, you can generate income while waiting for the market to improve. This can be a strategic option to avoid potential losses from a forced sale or a prolonged period on the market. 🏡

It's important to remember that BTL comes with its own set of responsibilities and potential risks, so it's crucial to weigh them against the benefits before making a decision. 🤝

We can discuss whether this is right for you. Contact us today! ✉📞

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

If you’ve driven past your dream home, don't let it stay a dream! ☁

Let's chat about your circumstances and find the right option for you. 🤝

Call us today on 0345 2185211 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 17/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

For a deposit with most lenders, you will need a minimum of 5% of the price of the house depending on your circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

However, it's important to remember that the size of your deposit will affect the interest rate you'll be offered on your mortgage. In short, the bigger the deposit you can save, the lower your monthly mortgage repayments will typically be. 📉
Are you starting your home buying journey? Get in touch! 📞

Approved by The Openwork Partnership on 14/06/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

🚨Industry Update🚨

The Bank of England has chosen to lower the base rate by 0.25% to 5%

Are you trying to make your money go further? Here are some tips 👇
1. Try shopping around for the right deal for you – whether it’s a mortgage, energy contract, broadband deal, or mobile phone contract.
2. You could reduce your spending by cutting back on non-essentials when you’re shopping, and sticking to a budget every month.
3. Look out for bank or credit card providers that offer cashback or discount deals with retailers.
4. Keep track of your energy use to help save money on your bills, for example by fitting a smart meter and a water meter.
5. If you have a mortgage, compare different providers and speak to an adviser, who may be able to find you a more competitive deal.

Ready to get started on your home buying journey? Get in touch! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Are you working part time? Concerned about getting a mortgage? Lenders assess your suitability for a mortgage based on several factors, with income being a major one.
Here's how you can strengthen your application as a part-time worker 👇
• Income Consistency
• Employment Stability
• Additional Income
• Solid Credit Score
• Saving Power

If you are working part time and worried about your mortgage application, let us put your mind to rest! Contact us today! 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 23/04/2025
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Our latest blog looks at the 5 essentials to know about Critical Illness Cover 🩺

Check it out 👇
https://www.justmortgages.co.uk/news/posts/2024/july/five-essentials-to-know-about-critical-illness-cover/

There are some fees you may not have thought about that come with getting a mortgage. 🏡

Valuation Fee: This one's from the lender to assess the property's value. It's usually an upfront cost along with your application.

Solicitor's Fees: These cover the legal side of things, handled by your solicitor. There's an upfront portion when you instruct them, and the rest is typically due at completion.

Property Taxes:
• England & Northern Ireland: Be aware of Stamp Duty Land Tax on purchases over £250,000
• Wales: If you're buying in Wales, you'll likely pay Land Transaction Tax on properties exceeding £225,000 (your main residence) or £40,000 (additional properties).
• Scotland: For Scottish property purchases, Stamp Duty is payable over £145,000

Lender fees:
• Arrangement Fee: This covers the lender's cost of setting up your mortgage. In most cases, you can add it to the loan amount, but remember, that increases your total loan size.
• Booking Fee: Some lenders charge a booking fee to secure your mortgage funds, usually upfront with your application.

If you are thinking of getting a mortgage talk to us about your options! Call us on 0345 2185211.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 24/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Overpaying on your mortgage might not be right for everyone. Using savings to overpay on your mortgage could leave you with less cash to fall back on in an emergency. 🤕

Not all lenders have the same rules for overpaying and there may be a penalty fee called an Early Repayment Charge (EPC) if you overpay too much. 🤝

You should only make overpayments if you’re sure you can afford them. It’s a good idea to make overpayments if you already have an emergency fund, and you don’t have any other, more pressing debts that need to be repaid. 💸

It’s always a good idea to discuss your options with an adviser, we can help guide you through all your mortgage options including advice on making overpayments. 📞

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

By making mortgage overpayments, you could:

Be mortgage-free sooner
Overpayments can either be a one-off lump sum or a regular overpayment made throughout the year. Overpaying on your mortgage means you can potentially clear your mortgage balance quicker.

Reduce the amount of interest you pay
It could also make sense to overpay on your mortgage rather than keep your money in a savings account, because you may earn more in interest savings on your mortgage than you could earn in a typical savings account.

Access better rates in the future
Lenders will offer you better rates if you have a lower loan to value. The more you can pay to reduce your mortgage, the potentially lower interest rates you’ll have when you come to remortgage to a new deal.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Our latest blog looks into Joint Mortgages. 🏠

Take a look at Stepping on the Property Ladder Together. 👇

https://www.justmortgages.co.uk/news/posts/2024/july/stepping-on-the-property-ladder-together-a-guide-to-joint-mortgages/

Lenders carry out a credit check by looking at your credit report to understand how financially stable and reliable you are. 🤔

Your credit report includes:
• Personal details, such as your name and address
• Borrowing and payment history
• Current borrowing and credit limits
• Details of people you’re financially linked to, like your partner.

If their check indicates that you are more likely to default on repayments, a lender may offer you a higher interest rate, which would affect your repayments and the total cost of borrowing, or even reject your application. ❌

Are you worried about your credit report? Put your mind at ease and speak to us today!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Meeting the costs of care for elderly parents and yourself when the time comes is important to plan for. 🗓
We can help you explore options that could work for you. 🤝
These could include:
• Releasing equity from your property
• Downsizing your home
• Lifetime care insurance if you’re over 60.

Call us today on 0345 2185211 📞

A Lifetime Mortgage is not suitable for everyone, and it is important to seek financial advice before taking any action. All other options available should be explored before choosing equity release. Interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home potentially to nothing. Please discuss with your family and beneficiaries.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Approved by The Openwork Partnership on 24/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Dreaming of that new build property but worried about affordability? Don't wait any longer! ⏰

We can help you navigate your options and see if a New Build mortgage fits your budget. 🤝

Call us today on 0345 2185211! 📞

Approved by The Openwork Partnership on 23/04/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Getting a mortgage in your 50s and beyond used to be a challenge, but things have changed! Nowadays, mortgage lenders are more willing to help older applicants buy homes or refinance.

So, if you're considering getting a mortgage later in life, here's what you need to know. 👇
https://www.justmortgages.co.uk/news/posts/2024/july/im-over-50-and-want-to-apply-for-a-mortgage/

Whether you're a weekend warrior on the pitch or a fitness fanatic hitting the gym, accidents can happen. 🎾
Did you know that even a minor sports injury can derail your dream of homeownership? That dream home you're working towards could be impacted by unexpected medical bills if you get hurt. 🤕
Consider getting accident protection specifically for your sport. It'll give you peace of mind knowing you're covered if the unexpected occurs. 😊
To discuss if this is right for you, email us today at [email protected] 💻✉

Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Your children could also be covered as part of your policy so ask your adviser about these options if it’s something you’re keen to have in place. 👶

Although a critical illness diagnosis can mark the start of a claim in some policies, others may only begin to offer protection once your illness hits a certain level of severity. It’s important to work with a financial adviser when reviewing a policy and all the small print before you commit to make sure you are aware of areas not included. 🤝

An adviser can help you figure out the best approach to your life insurance plan and any other coverage you need for you and your loved ones. Get in touch! 📞

Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Please join us in giving a warm welcome to our two new Divisional Sales Directors, Jonathan Gili-Ross and Paul Kirkup🤝

Both our new joiners will put their years of expertise to use, overseeing business and providing guidance to our advisers in the Middlesex & Midlands regions.

Congratulations on your new start at Just Mortgages, we're looking forward to seeing your leadership achieve success across your divisions and your careers👏

While BTL offers potential advantages, it's important to approach it with a clear understanding of the associated responsibilities and potential drawbacks.
Here are some key factors to consider:

• Financial commitment: BTL requires a significant initial investment, including the property purchase, potential renovations, legal fees, and ongoing costs like maintenance, insurance, and taxes.

• Market research: Thoroughly research the local rental market to understand rental yields, vacancy rates, and potential demand for the type of property you're considering.

• Legal and regulatory considerations: Ensure you understand your legal obligations as a landlord, including tenant rights, maintenance responsibilities, and relevant tax implications.

• Management responsibilities: BTL involves ongoing management tasks, including finding and vetting tenants, managing repairs, and collecting rent. You can choose to manage the property yourself or hire a letting agent, which comes with additional costs.

If you are interested in Buy To Let, get in touch! 📞💻✉

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.
Approved by The Openwork Partnership on 23/05/2024
Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.