Business Details
Expert Mortgage Brokers in Leeds
Established by John Phillips, a seasoned professional with 36 years of experience in financial services, JP Mortgages specialises in providing tailored mortgage solutions. Our expertise spans residential, buy-to-let, and specialist mortgages, supported by access to over 200 lenders, including niche providers unavailable to the public. We prioritise client needs, offering fast decisions in principle within 24 hours and evening appointments for convenience. Our team's deep understanding of complex cases, such as adverse credit or retirement mortgages, ensures we secure competitive rates even for non-standard applications. Authorised by the Financial Conduct Authority, we combine regulatory compliance with a commitment to transparency and client education.Our track record includes assisting clients with equity release, property purchases, and remortgaging, as evidenced by testimonials from satisfied customers. With a new branch in Batley, we extend our personal, efficient service across Yorkshire. Our approach integrates market knowledge, lender relationships, and a focus on long-term client relationships. We actively engage with local landlord networks and professional bodies to stay at the forefront of market changes. This dedication to excellence has positioned us as trusted advisors in the mortgage industry.
Services
Residential Mortgages
Buy To Let Mortgages
HMO Mortgages
Remortgage Services
Equity Release
Bridging Loans
Secured Loans
Commercial Finance
RICS Survey Reports
Financial Advice
Highlights and features
- 36 years of mortgage industry expertise
- Access to 200+ lenders including niche providers
- Specialists in complex cases like adverse credit mortgages
- Evening appointments available for convenience
- Authorised and regulated by the Financial Conduct Authority
Associations and certifications
- Financial Conduct Authority
What people say
Impeccable service
Second to none
Honest and friendly
Goes the extra mile
Authoritative market knowledge
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers, home movers, and remortgagers. Our access to the entire market ensures competitive rates for standard and non-standard cases. With expert guidance through the application process, we help clients secure financing that aligns with their financial circumstances and long-term goals.
Buy To Let Mortgages
Specialist buy-to-let mortgages for property investors seeking competitive returns. We work with lenders offering products specifically designed for landlords, including limited company mortgages. Our expertise covers portfolio management, tax-efficient structures, and navigating regulatory requirements for rental property financing.
Equity Release
Secure financial freedom in retirement through tailored equity release solutions. We offer lifetime mortgages with flexible repayment options, enabling homeowners aged 55+ to release capital while retaining property ownership. Our advice considers inheritance planning and long-term care implications to ensure suitable outcomes.
Bridging Loans
Fast-approval bridging loans for property transactions requiring immediate funding. Ideal for auction purchases, chain breaks, or development projects, our solutions offer flexible terms and competitive rates. We connect clients with specialist lenders providing regulated and unregulated bridging finance options.
Adverse Credit Mortgages
Mortgage options for applicants with credit challenges, including CCJs, defaults, or bankruptcy history. We partner with lenders specialising in non-standard cases, offering tailored products that consider individual circumstances. Our approach focuses on rebuilding financial credibility through sustainable homeownership solutions.
People
John Phillips
Mortgage Broker
With 36 years of experience in financial services, John Phillips specialises in complex mortgage cases. He combines market expertise with a client-focused approach, regularly advising local landlords and professionals. His commitment to finding tailored solutions has earned recognition from clients and industry peers.
Questions
What mortgage options are available for first-time buyers?
We offer competitive first-time buyer mortgages with low deposits, including government schemes like Help to Buy. Our advisors help assess affordability and recommend suitable products matching individual circumstances.
Can I get a mortgage with adverse credit history?
Yes, we specialise in adverse credit mortgages. We work with lenders who consider individual circumstances beyond credit scores, including past defaults or bankruptcy, to find suitable financing options.
Do you offer equity release for retirement planning?
Yes, we provide lifetime mortgages allowing homeowners aged 55+ to release equity. Options include fixed-rate plans with flexible repayment features to suit retirement income needs and inheritance planning goals.
How quickly can I get a mortgage decision?
We typically provide a decision in principle within 24 hours. This preliminary approval helps strengthen property offers while we complete full application assessments with lenders.
What areas do you cover for property mortgages?
We operate across Yorkshire, with offices in Leeds and Batley. Our services cover residential and commercial properties in Leeds, York, Wetherby, and surrounding regions with tailored mortgage solutions.
Videos
