JLM Manchester Mortgage Services - About Us

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JLM Manchester Mortgage Services

JLM Mortgage Services - Independent Mortgage Advice from Independent Mortgage Advisers:

About Us

Who are we?

JLM Mortgage Services was founded in 2002 and has 20 years of experience within both the Estate Agency and Financial Services fields.

Why are we different?

Unlike many of our corporate competitors we are a completely INDEPENDENT, Whole of Market Mortgage Broker offering a choice of around 80 lenders and up to 25,000 different mortgage schemes. We are also able to look around a range of different insurers for your insurance needs.

How much does it cost?

We have a FEE FREE option as well as a fee based services.

On our fee free service, the cost is usually, in a nutshell, nothing! Our fee are paid by a lender, in return for the time and work that we have saved them in processing your mortgage. On some rare occasions, usually where you need a very small mortgage, our fees may not be covered completely, in which case you would need to pay us the difference when your new mortgage completes. You will be given precise details of the amount, if this is the case, before you commit to anything.

For more complex cases, if we do need to charge a fee, we will explain it clearly to you before we undertake any chargeable work. Our fee is capped at either £295 or £395, depending on your situation. We may also be paid a fee by the lender.We can also offer you an Independent Approach to mortgage broking. For this service, we will normally charge you 0.5% of the advance. This means that on a mortgage of £200,000, we would charge you £1,000. However we would refund any commission we receive from the lender. We will explain these options to you in more detail, so that you can make the right decision, at the start of our first meeting.

What do we do?

  • Mortgages for Purchases, Remortgages and Buy To Let properties.
  • Mortgages for people with complicated income, such as company directors, contractors and those receiving annual bonuses.
  • Mortgages for self-build properties and unusual properties.
  • Mortgages for High Net Worth individuals and large loans, where bespoke products can be created.
  • Mortgages for people who have had credit issues in the past
  • Homebuy, Shared Ownership and Shared Equity mortgage schemes, such as FirstBuy
  • Life insurance, critical illness cover, family and business protection, accident, sickness and unemployment cover and buildings and contents insurance and landlord cover.
  • Mortgage and Insurance reviews to ensure that you are getting value for money

Where are we?

At JLM Mortgage Services we are happy to help wherever you are in the UK and we also understand that you may have limited time available, therefore we offer telephone, email, office based  & Home visits at a time to suit your needs.

Whilst we offer a UK-wide service, our offices are easily reached from the following areas:


JLM Mortgage Services Ltd is registered in England No. 470 1803. JLM Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority, FCA No: 300629. Your home may be at risk if you do not keep up payments on a mortgage or any loan secured upon it. Think carefully before securing other debts against your home.

 

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