Services

Mortgage

Securing the right mortgage is one of the biggest steps in your home-buying journey, and I’m here to help you explore mortgage options that suit your needs and circumstances. With so many choices available, the process can feel overwhelming, but my experience and local knowledge help make everything clearer, simpler, and easier to understand.

Guidance.
Security.
Transparency.
Trust.

First-Time Buyer

Remortgaging can be a useful way to review your current mortgage and consider whether alternative options may better suit your circumstances. Whether you’re looking to adjust your monthly payments, release funds, or review your current rate, I’ll help you understand the options available to you.

I’ll compare suitable products from across the market, take your individual goals into account, and guide you through the process so you can make an informed decision that aligns with your financial plans.

Home Mover

Investing in rental property involves choosing a mortgage designed for property investors. Buy-to-let mortgages take expected rental income into account and are structured differently from residential lending.

I’ll help you understand the buy-to-let mortgage options available and how they work, so you can choose a solution that supports your investment plans and long-term objectives, with a clear understanding of the risks and requirements involved.

Buy-To-Let

Investing in rental property involves choosing a mortgage designed for property investors. Buy-to-let mortgages take expected rental income into account and are structured differently from residential lending.

I’ll help you understand the buy-to-let mortgage options available and how they work, so you can choose a solution that supports your investment plans and long-term objectives, with a clear understanding of the risks and requirements involved.

Remortgage

If you’re moving home, getting the right mortgage in place is key to making the transition smooth and stress-free. Home mover mortgages are designed to give you the flexibility you need when upgrading or relocating, and I’m here to help you find the option that fits your plans.

I’ll guide you through the market, compare the best deals.

Equity Release

Equity release gives you the opportunity to unlock some of the value in your home while still living in it. Whether you want a lump sum or a regular income, it can be a useful way to support your retirement plans, cover unexpected costs, or fund home improvements.

I’ll walk you through the different equity release options, explain everything in plain English.

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Bad Credit Mortgages

A less-than-perfect credit history doesn’t have to stand in the way of securing a mortgage. Bad credit mortgages are designed for individuals with credit challenges, offering opportunities to buy a home or remortgage despite past issues. I’ll help you navigate the options available, find a suitable lender, and secure a mortgage that aligns with your financial situation.

Start With a Conversation

Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.

I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.

There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

Legal

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

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.

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