Business Details
25 Years
experience
Your Trusted Mortgage & Protection Advisors in Surrey
Established in 2001, JML Associates has built a reputation for delivering exceptional mortgage and protection advisory services to clients across Surrey and nationally. Our team of qualified professionals prioritises client needs, offering tailored solutions through a streamlined process supported by a user-friendly client portal. With over two decades of combined experience, we maintain authorisation from the Financial Conduct Authority, ensuring adherence to rigorous regulatory standards. Our approach combines independent market access with personalised guidance, enabling clients to navigate complex financial decisions with confidence. Recognised as a Top Rated Firm in 2024, we consistently receive positive feedback for our transparent communication and dedication to long-term client relationships.By focusing on education and clarity, we empower clients to make informed choices about mortgages, insurance, and equity release. Our commitment to excellence extends to operational efficiency, with a dedicated support team ensuring seamless service delivery. As a family-oriented firm, we blend professionalism with a personal touch, fostering trust and reliability in every interaction. Our industry connections further enhance client value, providing access to complementary services from trusted partners.
Services
Mortgages
First-time buyers
Moving home
Remortgages
Buy-to-let
Specialist mortgages
Equity release
Life insurance
Home insurance
Business insurance
Details
- Year established: 2001
Highlights and features
- We have over 20 years of experience in mortgage advisory services
- Our team holds advanced qualifications in mortgage advice and equity release
- We provide a user-friendly client portal for transparent process tracking
- Recognised as a Top Rated Firm in the 2024 VouchedFor Guide
- FCA-authorised with rigorous compliance and ethical standards
Associations and certifications
- Financial Conduct Authority
What people say
Expertise and dedication
Exemplary service
Proactive throughout
Flawless process
Trusted provider
Services
Mortgages
We offer comprehensive mortgage advisory services tailored to individual circumstances, including first-time purchases, remortgaging, and specialist requirements. Our FCA-regulated advisers access the whole market to secure competitive rates. With advanced qualifications in mortgage advice and equity release, we provide clear guidance through every stage of the process.
Life insurance
Our protection specialists design custom life insurance policies to safeguard clients' financial futures. We assess individual needs to recommend appropriate coverage levels and policy structures. As part of our holistic financial planning approach, we ensure protection aligns with broader mortgage and investment strategies.
Equity release
We provide expert guidance on equity release solutions for clients seeking to access property wealth while maintaining residency. Our advisers hold specialist certifications in this field, ensuring compliance with regulatory standards. We explain options clearly, helping clients understand long-term implications and tax considerations.
Home insurance
Our home insurance advisory service helps clients protect their properties with appropriate coverage. We assess individual risk profiles to recommend suitable policies, considering factors like property type, location, and specific requirements. Our FCA-regulated advice ensures clients understand policy terms and exclusions.
Income protection
We advise on income protection policies to safeguard clients against financial hardship from illness or injury. Our specialists evaluate clients' employment circumstances and financial commitments to recommend appropriate coverage durations and benefit levels, ensuring alignment with mortgage obligations.
People
Michelle Ford
Non-selling partner
With a career spanning since 1989, Michelle holds advanced qualifications in financial planning and mortgage advice. She contributes strategic expertise to business growth while maintaining high service standards.
Kate Keeling
Practice Manager
Qualified in mortgage advice since 2015, Kate combines operational management with client advisory services. She ensures practice efficiency while delivering expert guidance on mortgages and protection products.
Daniel Ford
Mortgage Adviser
A VouchedFor top-rated adviser since 2004, Daniel specialises in mortgages and equity release. He combines technical expertise with client-focused service, holding advanced industry certifications in these fields.
Ed Penegar
Trainee Adviser
Joining JML in 2025, Ed is progressing towards full financial adviser qualification. He supports client services while developing expertise across mortgage and protection advisory disciplines.
Adam Lewis
Case Owner
Adam joined JML in 2025, providing operational support to the advisory team. He assists clients with financial product navigation while developing his industry knowledge and qualifications.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, JML Financial Associates is authorised and regulated by the Financial Conduct Authority under reference 195987.
How do you access mortgage deals?
As an independent firm, we access the whole mortgage market including exclusive deals through our industry connections and lender partnerships.
What protection services do you offer?
We provide life insurance, income protection, critical illness cover, and private medical insurance tailored to individual circumstances.
Can you help with first-time buyer mortgages?
Yes, we specialise in first-time buyer mortgages, offering expert guidance through the entire process from application to completion.
How do you keep clients informed during the process?
Our client portal provides real-time updates while our advisers offer regular communication through preferred channels.
What areas do you serve?
Based in Cobham, Surrey, we serve clients locally and nationally through our online and telephone advisory services.
