Mortgages

It’s important to getit right.

At Jones & Co we know that many people want confidence in the complex world of mortgages.

We understand that achieving your homeownership goals requires professional guidance, and that’s where we come in.

The journey to secure the right mortgage can be daunting, leaving you confused about where to start and how to achieve your housing ambitions. At Jones & Co, we believe that everyone deserves the keys to their ideal home, and we are here to help you make that dream a reality.

a young couple celebrate getting their first home

We provide mortgage advice that is as individual as you are.

Whether you are a first-time buyer, looking to remortgage or want to grow your buy-to-let portfolio, our mortgage advisor can help guide you on your journey to financial success.

A good mortgage broker understands that everyone’s situation is unique. This is why our experienced advisors work with you to understand your needs and set a clear path to help achieve your home-owning financial goals. We cater to a diverse range of needs, including assisting the self-employed starting with just one year’s worth of accounts right through to looking at later life lending solutions for the over 55’s.

Most people want to find the best mortgage deals, as independent advisors, we can search over fifty lenders from across the marketplace to secure the best mortgage arrangement, saving our clients thousands over the lifetime of your mortgage.

No matter what stage of life you’re in or what your financial goals may be, Jones & Co’s independent mortgage advisor is dedicated to helping you navigate the world of mortgages and property investment with confidence.

If you prefer, our mortgage advisor can offer online appointments ensuring you access expert advice from the comfort of your own home or office. So, if you’re searching ‘mortgage advisor near me’, you’ve just found what you’re looking for!

Cheerful young family
Mortgages

Mortgage &Protection Advice.

Buying a house is one of the most important purchases you will make in a lifetime and buying your first home can be even more daunting, therefore getting the right mortgage advice at this stage is of paramount importance.

So, if you have just started looking for your dream home, our team of Advisors can guide you through the whole process. Let us do all the hard work for you allowing you to concentrate on finding your new home.

Estate Agents will often want to see that your mortgage has been approved before accepting an offer. Let us put you ahead of the competition by having an Agreement in Principle (AIP). Our team of advisors will help you from your initial enquiry through to getting the keys for your new home.

Is your current mortgage deal coming to an end? With the complexities of the mortgage market, deals are constantly changing so your existing lender may not provide the best rate for your current circumstances.

Find out when it is the right time to switch your mortgage and if remortgaging can save you some money. We’ll search the market on your behalf to find the right mortgage product for you. We’ll also look at what your current lender has to offer and, if it makes sense to stay with your current lender, we can still help.

You might want to raise capital against your property, carry out home improvements or simply reduce your monthly outgoings by taking advantage of more competitive mortgage rates. If remortgaging is your priority, we’ll look after your application for you from start to finish.

Whether you are new to investing in property or an experienced landlord, choosing the right buy-to-let mortgage is essential. Our experienced advisors have the knowledge and expertise to guide you through the whole process.

Buy-to-let mortgages can also be arranged in a limited company’s name, and this may prove to be more tax advantageous.

We have a range of mortgages available for those over 55 and approaching, or in, retirement. Retirement Interest Only (RIO) is an interest only mortgage that doesn’t have a fixed end date to repay the balance. The balance is repayable upon entering into long-term care or death. It is an option for those who wish to release equity whilst protecting the remaining equity and leave an inheritance for loved ones.

  • Building & Contents
  • Critical Illness cover
  • Income Protection
  • Accident & Sickness
  • Landlord protection
  • Life Insurance
  • Unemployment cover

The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

  • Stocks & Shares ISAs
  • Cash ISAs
  • Investment Bonds
  • Collective Investments
  • Unit Trusts,
  • OEIC
  • Venture Capital Trusts (VCT)
  • Enterprise Investment Scheme (EIS)
  • AIM Portfolios
  • Discretionary Fund Management
  • Capped Drawdown
  • Fixed Term Annuities
  • Flexible Access Drawdown
  • Group Personal Pensions
  • Workplace Pensions
  • Hybrid arrangements
  • Lifetime Annuities
  • Enhanced Life/Impaired Life Annuities
  • Open Market Annuities
  • Pension Switch Advice
  • Occupational Pensions
  • Pensions Review
  • SIPP Pensions
  • Stakeholder Pensions
  • UFPLS (Uncrystallised Funds Pension Lump Sum)
  • Income Tax
  • Capital Gains Tax
  • Inheritance Tax
  • Critical Illness Cover
  • Family Income Benefit
  • Children's Critical Illness Cover
  • Income Protection
  • Whole of Life
  • Level Term Assurance
  • Decreasing Term Assurance
  • Business Shareholder Protection
  • Key Person Insurance
  • Relevant Life Policies
  • Shareholder Protection
  • Tax Savings Protection Plans
  • Group Income Protection
  • Bare Trust
  • Discounted Gift Trust
  • Cross Option Agreements
  • Flexible Trusts
  • Automatic Accrual
Our Process

We make it simple

Step 1

InitialMeeting

Knowing exactly what you’re looking to achieve.
Step 2

Agreement inPrinciple

Find the right mortgage for your needs.
Step 3

We Submit Your Application.

We’ll submit and process your application for you.
Step 4

Your OfferLetter

We’ll progress your application.
Step 5

Keepingyou safe

We will review protection for you.
Step 6

YourFuture

We offer regular reviews.
FIND OUT MORE

Mortgage & Protection

Mortgage Advice

Anything to do with mortgages and property can seem overwhelming, but don’t let the complexity put you off.

Whether you’re looking to buy your first home, borrow some extra money to carry out some renovations or you want to find the next best mortgage rate, our expert mortgage team can help. We’re confident that we’ll have something for you, no matter what situation you’re in.

Buying a house is one of the most important purchases you will make in a lifetime and buying your first home can be even more daunting, therefore getting the right mortgage advice at this stage is of paramount importance.

So, if you have just started looking for your dream home, our team of Advisors can guide you through the whole process. Let us do all the hard work for you, allowing you to concentrate on finding your new home.

Estate Agents will often want to see that your mortgage has been approved before accepting an offer. Let us put you ahead of the competition by having an Agreement in Principle (AIP). Our team of advisors will help you from your initial enquiry through to getting the keys for your new home.

Is your current mortgage deal coming to an end? With the complexities of the mortgage market, deals are constantly changing so your existing lender may not provide the best rate for your current circumstances.

Find out when it is the right time to switch your mortgage and if remortgaging can save you some money. We’ll search the market on your behalf to find the right mortgage product for you. We’ll also look at what your current lender has to offer and, if it makes sense to stay with your current lender, we can still help.

You might want to raise capital against your property, carry out home improvements or simply reduce your monthly outgoings by taking advantage of more competitive mortgage rates. If remortgaging is your priority, we’ll look after your application for you from start to finish.

Whether you are new to investing in property or an experienced landlord, choosing the right buy-to-let mortgage is essential. Our experienced advisors have the knowledge and expertise to guide you through the whole process.

Buy-to-let mortgages can also be arranged in a limited company’s name, and this may prove to be more tax advantageous.

We have a range of mortgages available for those over 55 and approaching, or in, retirement. Retirement Interest Only (RIO) is an interest only mortgage that doesn’t have a fixed end date to repay the balance. The balance is repayable upon entering into long-term care or death. It is an option for those who wish to release equity whilst protecting the remaining equity and leave an inheritance for loved ones.

  • Building & Contents
  • Critical Illness Cover
  • Income Protection
  • Accident
  • Landlord Protection
  • Life Insurance
  • Sickness
  • Unemployment Cover

Contact Us

Let us help you explore, plan and navigate your financial future.

We just need your contact details so we can connect you to our mortgage expert. We will only share this with our team and nobody else.

    Your property may be repossessed if you do not keep up repayments on your mortgage. *Commercial and some buy-to-let mortgages are not regulated by the Financial Conduct Authority.

    Start Building Your Financial Future Today.

    Lets connect you with our mortgage expert by filling out the form below.

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