Business Details
Expert Mortgage Advice in Plymouth
Established in 1990, Jan O'Neill Mortgages has built a reputation as a trusted provider of whole-of-market mortgage advice in Plymouth. With over three decades of industry experience, our founder Jan O'Neill has earned numerous awards for excellence in financial services and previously held leadership roles within the Life Insurance Association. We specialise in guiding clients through every stage of their property journey, from first-time purchases to equity release, ensuring transparent, tailored solutions.Our approach prioritises long-term client relationships, evidenced by the high volume of referrals we receive from satisfied customers. As an appointed representative of Quilter Financial Services, we adhere to rigorous regulatory standards while maintaining a commitment to exceptional service delivery.
Services
First Time Buyer
Buy to Let
Equity Release
Remortgages
Shared Ownership
Legal Services
Conveyancing
Get a Will
Highlights and features
- We offer 30+ years of mortgage advisory experience with industry-recognised expertise
- We provide whole-of-market access to find tailored mortgage solutions
- Our team delivers transparent fee structures with no hidden charges
- We maintain long-term client relationships through personalised service
- We have a proven track record of successful client referrals
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our whole-of-market mortgage advice service provides impartial recommendations across all major lenders. We specialise in matching clients with suitable mortgage products for first-time purchases, property investments, and equity release. With access to exclusive deals and a transparent fee structure, we ensure clients receive optimal solutions tailored to their financial circumstances.
First Time Buyer
We guide first-time buyers through every step of the mortgage process, from initial affordability assessments to final property completion. Our service includes access to government-backed schemes, competitive interest rates, and tailored advice on deposit requirements. We simplify complex mortgage terminology and ensure clients understand all financial commitments before proceeding.
Buy to Let
Our buy-to-let mortgage service caters to property investors seeking optimal returns. We provide detailed market analysis, cash flow projections, and portfolio management strategies. With expertise in both residential and commercial investment properties, we help clients navigate tax implications and regulatory requirements while securing competitive financing solutions.
Equity Release
We offer specialist equity release advice for homeowners seeking to unlock property value without relocation. Our service includes comprehensive assessments of lifetime mortgage options and home reversion plans. We ensure clients understand the long-term financial implications, including impacts on inheritance and means-tested benefits, before proceeding with any equity release arrangement.
Remortgages
Our remortgaging service helps clients reduce monthly payments, consolidate debts, or release capital from their properties. We conduct detailed comparisons of current market rates against existing mortgage terms. We manage the entire process from initial valuation to legal completion, ensuring minimal disruption while maximising financial benefits for homeowners.
People
Jan O'Neill
Mortgage and Protection Adviser
With over 30 years' experience in financial services, Jan O'Neill specialises in whole-of-market mortgage advice. A former Regional Chairman for the Life Insurance Association, she has earned multiple industry awards for excellence. Her client-focused approach prioritises long-term relationships and tailored solutions.
Questions
What mortgage options do you offer?
We provide access to the entire mortgage market, including first-time buyer schemes, buy-to-let investments, equity release, remortgaging, and shared ownership options.
How are your advisory fees structured?
Our fees range from £199 to £950 depending on complexity, with an average cost of £498. We agree all charges in advance with no hidden fees.
How does the mortgage application process work?
We begin with a detailed financial assessment, followed by product recommendations, application submission, and ongoing support until mortgage completion.
Do you offer insurance services?
Yes, we provide advice on buildings and contents insurance, life insurance, and health insurance policies to protect your property and family.
Can you help with legal requirements?
We assist with conveyancing processes and will preparation, ensuring all legal documentation aligns with your mortgage arrangements.
