Just Mortgages
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Just Mortgages At Just Mortgages we know that it's not just about mortgages: we offer a service dedicated to your needs and requirements. Your journey should be one of simplicity, choice and expertise. We aim to provide the ultimate mortgage services experience by delivering the highest standards. Your Just Mortgages Adviser will assist you throughout the home buying, moving or remortgage process to ensure you receive the right guidance and advice.

We provide a level of service that cannot be obtained directly from the lender or comparison site. We offer mortgage advice from a comprehensive panel of lenders and have access to some exclusive and semi exclusive mortgage deals. We liaise with the lender, valuer, estate agent and solicitor to ensure deadlines are met. Just Mortgages is a member of the Spicerhaart family.

Just Mortgages is proud to partner with one of the UK's largest financial advice networks, Openwork. Openwork launched in 2005, but has been present in the UK financial advice market for more than 40 years.
Highlights

read more › Just Mortgages is a member of the Spicerhaart family. Established in 1989, Spicerhaart is one of the UK's most innovative estate agency groups, combining the largest independent residential sales and residential lettings branch network with a rapidly growing mortgage and protection services and legal business. Just Mortgages Advisers are based throughout Spicerhaart's network of over 200 branches of estate agencies including haart, Darlows, Haybrook, Felicity J Lord, Chewton Rose and Butters John Bee.

read more › With a complex choice of mortgage schemes, lenders and ways to apply quite often people are unsure of where to start. We understand it can be a complicated process, but our mortgage advisers know the market inside out and will be happy to answer any questions you have. Please feel free to call us or request an appointment and let us assist you in making the right decision. We will tell you everything you need to know and keep you informed every step of the way. At Just Mortgages we know that it's not just about mortgages; we offer a service dedicated to your needs and requirements.

read more › Buying your first property can be both exciting and daunting, there are important decisions to make and criteria to be considered before you take your first steps onto the property ladder. Your Just Mortgages Adviser will assist you throughout the home buying process to ensure you receive the right guidance and advice. It is important to take advice on your mortgage options before getting serious about your property search. Our aim is to put you in the best position to proceed once you have found a property.

read more › At Just Mortgages we believe your journey should be one of simplicity, choice and expertise. Whether you are selling for the first time or an experienced home mover we offer a service dedicated to your needs and requirements. We understand that there are many considerations to make before you commit to selling your home and moving on; we are here to help you every step of the way. Mortgage lending criteria is constantly changing and it may have been some time since you last reviewed your mortgage options.

read more › Equity release plans are available for homeowners aged 55 and over to release the tax-free cash tied up within your home. By opting for an equity release plan, you do not need to move out of your home, and depending on the plan you opt for, there are a variety of repayment options. Your adviser will explore your current circumstances to determine the amount of money you may be able to release, taking into consideration the value and age of your property. Just Mortgages have dedicated professional advisers on hand who can provide clear information and guidance on what Equity Release options are available to you, giving recommendations and planning for your next steps.

read more › Your existing mortgage rate may shortly be coming to an end, although your monthly payments may have reduced it is still a good idea to review your mortgage to ensure your current deal still meets your needs and requirements. Alternatively, if you have been in your home for a number of years and seen a rise in the value of your property, you may wish to raise some additional borrowing. But first you need to consider all of the details. As well as the headline rate there are other features of the deal which need consideration - lender fees, most appropriate mortgage term and which type of mortgage best meets your objectives.

read more › We understand that purchasing a property to let requires specialist advice. At Just Mortgages we believe that your journey should be one of simplicity, choice and expertise. Whether you are considering a buy to let* for the first time or you are an experienced landlord, we will ensure you receive the right advice and guidance. What can you comfortably afford to borrow? Make an appointment with a Just Mortgages mortgage adviser to discuss what you can afford to pay back each month before you go house hunting.

read more › This is the set up fee for your mortgage, and can include a range of fees such as booking and application fees, which are an important consideration when picking a mortgage deal and can amount to thousands. The loan to value (LTV) is the ration of the mortgage loan to the value of the property as a percentage. With a fixed rate mortgage, the interest rate stays the same for a set period of time. This means that for every month during this set period, your mortgage repayments will remain the same, even if there are changes to the Bank of England base rate, or your lenders' standard variable rate (SVR).The term of a fixed rate mortgage usually lasts between two to five years, but can be much longer.

read more › Whether you are a first time buyer or a home mover, Just Mortgages is dedicated to helping you purchase your new build home. Your Just Mortgages Adviser will assist you throughout the home buying process to ensure you receive the right guidance and advice. All Just Mortgages Advisers are professionally qualified. In addition to this our New Build Mortgage Specialists receive bespoke training on the New Build process before offering any advice on purchases. All our advisers are locally based and we are happy to meet you at your home or on your New Build development, whichever is most convenient for you.

read more › Our Just Mortgages New Build team comprises of professional mortgage advisers who specialise in the new homes mortgage market. Our mortgage specialists have experience within the new build market and understand the needs and requirements of both the developer and the client. Our advisers have the flexibility to offer telephone, video or face to face appointments at a location convenient to the client. Our new build specialists will spend time on site with your sales team, developing enquiries and ensuring buyers are in a position to proceed.

read more › We support thousands of home-buyers with their mortgage and protection needs every year. We are constantly investing in our people to empower clients with industry-leading advice, ensuring they have the right product for their needs. Just Mortgages' success is attributed to our focused ambition to be the best at what we do with the emphasis on delivering the ultimate customer experience. This is supported by excellent training and development delivered by our highly skilled in house team. Our people are our brand and our unique organisational culture echos our commitment as a forward thinking business.

read more › A mortgage is an agreement that allows you to borrow money from a bank or building society in order to purchase a property. The agreement is a loan secured on your property so it is important that you keep up the repayments on your mortgage to avoid possible repossession by the bank or building society. The bank or building society is often referred to as the mortgage lender. You will need to provide a deposit towards the property purchase. This is usually from savings or can be a gift from a family member.

read more › Planning ahead will give you the chance to maintain the financial stability you have worked hard for. Buying a home is a big commitment and it is important to consider your options around protecting your home, belongings, health and loved ones. If you're remortgaging or moving home its a good time to review any existing arrangements to make sure you have sufficient cover and they're still the right products for you. If your circumstances changed would you be able to continue to pay your mortgage?

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