Just the information you need
About Just Mortgages
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One of the UK’s largest mortgage advisory companys 400+ Mortgage and Protection Advisers nationwide During 2018 we helped 10,563 people move home and a further 5,753 secure a better rate on their existing mortgage. We also arranged 18,057 protection policies to ensure our clients lives, families, income and homes are protected. Largest Appointed Representative of Openwork Part of the Spicerhaart family
All of your mortgage needs under one roof...
We aim to deliver a 5 star service every time
96% of customers would recommend Just Mortgages to their friends and family.* Read our reviews and recommendations on Google, Facebook and Trustpilot.
Admin Support Team Our dedicated admin team in Sheffield work with your Mortgage Adviser to liaise with solicitors, lenders and insurance providers to ensure a smooth and stress-free Just Mortgages experience.
Client Services Team Once your mortgage has completed our Client Services Team will stay in contact to provide continuous support for as long as you need us.
Why choose just mortgages?
We are mortgage professionals and protection specialists.
We will tell you everything you need to know and keep you informed every step of the way.
We provide a level of service that cannot be obtained directly from the lender or comparison site.
We liaise with the lender, valuer, estate agent and solicitor to ensure deadlines are met - this is our commitment to you.
We offer advice from a comprehensive panel of lenders and have access to exclusive and semi exclusive mortgage deals.
We help you to buy your home... and keep it.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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Our protection providers
Committed to providing; quality service, competitive premiums and products to suit your needs and requirements. Life cover
Accident protection
Critical illness cover
Family protection
Buildings and Contents insurance
Income protection
Accident, sickness and unemployment cover
Your key decisions
How much can you afford to borrow and how much will it cost?
Which mortgage scheme meets your needs?
Which conveyancer will you instruct?
How will you protect your income, your mortgage and your property?
How will you repay your mortgage?
Which mortgage term is right for you?
JUST STAND OUT Which buyer would you rather be?
A
Already arranged a mortgage and can evidence that a mortgage has been agreed in principle
A
B
B
B
Has instructed their solicitors so are ready to buy
B
A confirmed credit history Who is weeks ahead when it comes to getting a mortgage offer?
B
Has no mortgage agreed and unsure of what they can afford - they will sort a mortgage out when they find a property Still needs to instruct solicitors therefore are unlikely to be able to proceed quickly An unknown credit history Who needs to start the whole process from scratch?
B
B
B
B
B
B
Choosing the right legal services
Instructing the right professionals to assist you in moving is essential. Fixed Conveyancing Fee (1) No move no Conveyancing Fee Service Standards Regular Updates Local Search Pledge (2) One point of contact Saving you time and hassle. Your Mortgage Adviser can provide a personalised quotation. (1) Fee based on purchase price and fixed from the outset. (2) Terms and conditions apply. The services promoted here are not of the Openwork proposition and are offered in our own right. Openwork Ltd accepts no responsibility for this aspect of our business.
The home buying timeline 8 - 12 Weeks
Instruct solicitor
Offer accepted
Exchange of contracts
1-2 days
Bring in all required documentation
Mortgage offer
Solicitor searches Week 1-2
Mortgage application Insurance application Choose survey Survey Homebuyer Pay broker fee
Week 2-3
Survey
Mortgage & Protection underwriting
Week 8-10
Mortgage & Protection Review Return all required documents
Insurances in place Week 10-12
Point of no return
Pay deposit
Move in!
Completion Legal Stamp duty
Please note: It may take more or less time to complete your property purchase due to factors outside our control.
Just refer a friend 96% of our clients would recommend us to their friends and family. Refer a friend and receive a £50 Amazon eGift card. Visit forms.justmortgages.co.uk/refer-a-friend to submit your referral. Terms and conditions apply, please ask your adviser for details. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.