J S Associates was established in 2003 and has evolved offering the best impartial advice for individuals and clients to build their portfolios and businesses. We are committed to serving our clients as trusted advisors providing diversified solutions across residential mortgages, consumer and business buy to let, commercial and bridging finance. We help our clients build portfolios by providing the best impartial financial advice.
Our mortgage specialists are available to provide you with advice whenever suits you best. We are guided by values and principles that will continue to be at the core of everything we do to help us provide our clients with the best impartial advice. Would highly recommend to anyone especially first time buyers who are new to the whole mortgage process.
Also location is not an issue, we bought our first home in Bedfordshire. J S Associates helped my husband and I with the mortgage for our first home. Jas was brilliant to work with, he was genuinely helpful and very time efficient.
Our mortgage specialists are available to provide you with advice whenever suits you best. We are guided by values and principles that will continue to be at the core of everything we do to help us provide our clients with the best impartial advice. Would highly recommend to anyone especially first time buyers who are new to the whole mortgage process.
Also location is not an issue, we bought our first home in Bedfordshire. J S Associates helped my husband and I with the mortgage for our first home. Jas was brilliant to work with, he was genuinely helpful and very time efficient.
Services
Jasvinder is the principal at J S Associates, authorised and regulated by the Financial Conduct Authority.
He focuses on guiding individuals and clients with portfolios across a range of services including complex residential mortgages, consumer and business buy to let, commercial finance and bridging finance together, advising clients with multiple sources of income or challenging incomes.
By providing the best solution for specific needs, Jasvinder enjoys long term lasting relationships with all his clients.
He focuses on guiding individuals and clients with portfolios across a range of services including complex residential mortgages, consumer and business buy to let, commercial finance and bridging finance together, advising clients with multiple sources of income or challenging incomes.
By providing the best solution for specific needs, Jasvinder enjoys long term lasting relationships with all his clients.
A loan that one or more persons receive in order to buy a house or other residential property in which they will live.
The loan is secured by a charge on the property; the borrowers repay it over a specified period of time.
A buy-to-let mortgage is a mortgage arrangement in which an investor borrows money to purchase property in the private rented sector in order to let it out to tenants.
Buy-to-let mortgages have been on offer in the UK since 1996.
Lenders calculate how much they are willing to lend using a different formula than for an owner-occupied property.
The loan is secured by a charge on the property; the borrowers repay it over a specified period of time.
A buy-to-let mortgage is a mortgage arrangement in which an investor borrows money to purchase property in the private rented sector in order to let it out to tenants.
Buy-to-let mortgages have been on offer in the UK since 1996.
Lenders calculate how much they are willing to lend using a different formula than for an owner-occupied property.
We know that buying a property for the first time can be daunting, because of this we are here to make it as simple and stress free as possible.
We understand the importance of knowing how the mortgage process works and so, below we have provided some useful guidance to help you out.
First you need to find a house.
When you start viewing properties, most estate agents will ask you for an Agreement/Decision In Principle (AIP/DIP) certificate which confirms your suitability for a mortgage.
Some agents may not be willing to show you any property until you can produce an AIP/DIP.
We understand the importance of knowing how the mortgage process works and so, below we have provided some useful guidance to help you out.
First you need to find a house.
When you start viewing properties, most estate agents will ask you for an Agreement/Decision In Principle (AIP/DIP) certificate which confirms your suitability for a mortgage.
Some agents may not be willing to show you any property until you can produce an AIP/DIP.
This calculator will tell you the amount a bank should be willing to lend you on a mortgage.
This calculator uses the rule of thumb that most mortgage lenders use.
The rule of thumb is that they will lend a maximum of 3.25 times the first income plus one times the second income.
Alternatively, they will add the two incomes together and multiply that sum by 2.5 times.
If this gives a higher figure than the other method, they will use it.
Please enter plain numbers only.
Decimals are okay but no commas or symbols.
This calculator uses the rule of thumb that most mortgage lenders use.
The rule of thumb is that they will lend a maximum of 3.25 times the first income plus one times the second income.
Alternatively, they will add the two incomes together and multiply that sum by 2.5 times.
If this gives a higher figure than the other method, they will use it.
Please enter plain numbers only.
Decimals are okay but no commas or symbols.
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