Mortgage Services

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Your property may be repossessed if you do not keep up repayments on your mortgage.

Although this could be the largest financial transaction you will ever make, our personalised mortgage advice will save you both time and money. We pride ourselves on making the process as stress free as possible.


Our professional advisors work with you every step of the way to make the mortgage process simple, saving you time and effort on one of life’s biggest decisions. Going to a bank or estate agent limits your options and leaves you at risk of getting a bad deal. We have access to hundreds of products across the whole mortgage market and can find you the ideal product for your needs.


Residential remortgaging is the process of replacing your current mortgage product with a new product, usually either to switch to a better rate or release capital. The process is usually quick and easy, the legal aspect is simple, and doing so can ultimately put you in a much better position.


The Buy to Let mortgage sector is a huge market, particularly with our more affluent clients. The sector has seen huge upheaval in recent years, through government intervention, which creates uncertainty and opportunity. As a result, we continue to see huge activity in this sector, with clients seeking advice, recommendations and reassurance.


The UK encourages the Self Employed and has always championed those brave enough to set up their own businesses. To those who are self employed, however, it is not a great scoop to learn that, sadly, access to the mortgage market has been unrepresentatively challenging since the financial crisis of 2008.


Despite what seems to be popular thinking – many of our clients request interest only at the outset of our conversations and we successfully arrange plenty of interest only mortgages each month. We explain their availability on an individual basis, discuss other options and make sure you are aware of the risks. For higher levels of borrowing or low loan to values, interest only is still particuarly available.


As large financial institutions continue to employ more and more staff on a contractor basis – this is a huge sector of new enquiries for Just Us. The majority of UK lenders are simply not interested in lending into this sector but there are a number of lenders specialising in the contractor arena. Their calculations and criteria vary widely.


Being a City based firm, the majority of our clients receive income from bonuses, commission, and vested stock options. Knowing how to approach a lender with this sort of irregular income is crucial. An inexperienced broker can get an application declined that an experienced broker will get agreed. So be careful who you choose to use.


Bridging Finance is a short term loan that provides fast access to funding when it is needed most.  Bridging loans can be used to raise funds for any legal purpose, generally last no longer than 12 months for regulated loans, or 18 months for non-regulated loans and will normally require you to have a strategy in place to ensure that you can repay the loan.