WHY CHOOSE US
Whether you are a first-time buyer, home mover, re-mortgaging, or an experienced property investor, you can trust J&M Mortgage Solutions to you help achieve your goal.
Our approach is straightforward. We provide a personal, friendly & professional service and work with a comprehensive range of lenders across the market. This, coupled with our local market knowledge of St. Albans and the surrounding areas means you are in the best hands possible, taking the complexity of choosing the right mortgage with the right lender out of your hands and into ours. Every client is treated as an individual, tailoring the advice and recommendation based solely on your current and future plans.
Most importantly, our clients become clients for life so even after completion, we are here for on-going advice for mortgages and protection products which include life insurance, critical illness cover, income protection and family income benefit, ensuring both you and your family are protected.
Speak to us today on 01727 228428 or email advice@jandm-ms.com
Your home may be repossessed if you do not keep up repayments on your mortgage.
WHAT OUR CUSTOMERS SAY ABOUT US
Amar provides nothing short of a great service when it comes to mortgages and re-mortgages. I’ve used him on all my mortgage needs and he has been amazing every time. Highly recommended.
Amar went the extra mile to secure a favourable interest rate, based on our first offer. In the end we ended up with the house we wanted and a smaller mortgage!
Amar was so helpful and explained everything in a way I could understand as a first time buyer and I was comfortable to ask questions I thought may be silly. I felt like he really cared about helping me purchase a property.
Commitment, dedication, and personal care. Amar is brilliant.
Although we had a mortgage advisor the swift changing nature of interest rates meant Amar had to work swiftly to secure the best available deal. He made himself available on a bank holiday so we could discuss our needs and he continued to be communicative.
Amar delivered an excellent service to us and took the stress out of our remortgage. His advice was transparent and straightforward and I came away feeling we had made the best decision. I would not hesitate to recommend J&M!
Amar was superb!
We highly value the rapport we built with Amar over the years, his ability to listen and consider our circumstances and his swift thinking. We trust his judgement as he always offers a few solutions and clearly explains the pros and cons and his recommendation.
Excellent knowledgeable advice, pragmatic approach, extremely friendly and helpful service and crucial help in ensuring exchange were delays by others were putting the deal at risk. Really couldn’t imagine a better service!
Amar guided and explained the process from the offset and broke it down in simpler terms for myself as this was my first house purchase. Whenever we had any queries he would make sure to acknowledge and then get back to us with a definitive answer as soon as possible.
The purpose of this call is to ascertain whether we are able to help you immediately.However, if we are unable to do so we will advise and give you guidence to put you on the right track. This call also allows us to take the time to fully introduce ourselves and answer any questions you may have.
Next we will set a date in the diary for a full first appointment where we are able to discuss your case and exact requirements in more detail. When attending your appointment, you will be required to bring various documentation and this will be clearly explained during the call.
We enjoy meeting our clients face-to-face so we will invite you to our office, where we will carry out a ‘fact find’ and this basically means us getting to know more about you. We will discuss your current employment, income and credit history which is important for us to be aware of at this stage.
One of the first things we do with all our clients is a full cost of move exercise which confirms all costs including stamp duty (if you are purchasing a property), solicitor costs, lender fees, surveyor fee and all other costs you should be aware of, helping you to budget accordingly. We feel it is very important to know well in advance what the total costs could be so that there are no surprises further down the line.
During the meeting we will the time to explain the differences between all the different types of mortgages and options with both their advantages and disadvantages. Based on what best suites the individual we are assisting we will then search for the best available product at the time so that a real life example can then be viewed and presented in detail.
During this appointment we will need to see all necessary documents before we are able to progress onto the next stage of the application process.
Click here for a full list of documents that will be required.
We will research and find you the best suited mortgage that considers your current and future needs, current and future affordability.
Once we have your confirmation that you wish to proceed with the recommended product, a full application will be made. Each lender will have their own timescales and we will inform you of their processing times throughout the process.
We will oversee the entire process from consulting with the lender, the solicitor and you as well as any other companies involved in the process, such as estate agents.
This will be to confirm the mortgage agreed and finalise protection needs.
Once you have your mortgage offer, we must provide you with advice for mortgage protection products including life insurance, critical illness cover and income protection. This can be done either over the phone or we prefer to welcome you to our office.
We will do our best to ensure the entire process from application to offer goes as smoothly as possible and be available to discuss any questions you may have throughout any stage of your application.
The purpose of this call is to ascertain whether we are able to help you immediately.However, if we are unable to do so we will advise and give you guidence to put you on the right track. This call also allows us to take the time to fully introduce ourselves and answer any questions you may have.
Next we will set a date in the diary for a full first appointment where we are able to discuss your case and exact requirements in more detail. When attending your appointment, you will be required to bring various documentation and this will be clearly explained during the call.
We enjoy meeting our clients face-to-face so we will invite you to our office, where we will carry out a ‘fact find’ and this basically means us getting to know more about you. We will discuss your current employment, income and credit history which is important for us to be aware of at this stage.
One of the first things we do with all our clients is a full cost of move exercise which confirms all costs including stamp duty (if you are purchasing a property), solicitor costs, lender fees, surveyor fee and all other costs you should be aware of, helping you to budget accordingly. We feel it is very important to know well in advance what the total costs could be so that there are no surprises further down the line.
During the meeting we will the time to explain the differences between all the different types of mortgages and options with both their advantages and disadvantages. Based on what best suites the individual we are assisting we will then search for the best available product at the time so that a real life example can then be viewed and presented in detail.
During this appointment we will need to see all necessary documents before we are able to progress onto the next stage of the application process.
Click here for a full list of documents that will be required.
We will research and find you the best suited mortgage that considers your current and future needs, current and future affordability.
Once we have your confirmation that you wish to proceed with the recommended product, a full application will be made. Each lender will have their own timescales and we will inform you of their processing times throughout the process.
We will oversee the entire process from consulting with the lender, the solicitor and you as well as any other companies involved in the process, such as estate agents.
This will be to confirm the mortgage agreed and finalise protection needs.
Once you have your mortgage offer, we must provide you with advice for mortgage protection products including life insurance, critical illness cover and income protection. This can be done either over the phone or we prefer to welcome you to our office.
We will do our best to ensure the entire process from application to offer goes as smoothly as possible and be available to discuss any questions you may have throughout any stage of your application.
GET IN TOUCH WITH US
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