Hassle Free Mortgages By Jenny
Make sure your first application is the right application, no more delays.
- With access to the whole of market
How does it work?
Initial call
Let's grab a coffee and get to know more about you, your goals, and your situation. You talk and we listen.
Our Work Begins
We’ll help you find a mortgage that’s fully tailored to your needs, providing the most suitable options for you and your family.
Sit back & Relax
As soon as we’ve gathered all the necessary details, we’ll start the application process and keep you updated at every stage.
First Time Buyer
Expert mortgage advice tailored for first-time buyers, helping you understand your options, secure the right deals, and guide you step by step through the homebuying process with confidence.
Remortgaging your current home
Clear, tailored remortgage advice to help you find better rates, reduce monthly payments, or release equity, making sure your mortgage continues to suit your needs and financial goals.
Getting a buy to let
Specialist buy-to-let mortgage advice to help you secure the right deal for your investment property, whether you're a first-time landlord or expanding your existing portfolio.
Bad Credit?
Supportive and tailored mortgage advice for those with bad credit, helping you explore suitable lenders and options to get on the property ladder or remortgage with confidence.
Protection Insurance
Personalised advice on protection insurance to help safeguard your home, income, and loved ones, covering life insurance, critical illness, and income protection tailored to your needs.
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.
Mortgage Calculator
The figures provided by this calculator are for illustration purposes only. To obtain an accurate figure based on your personal situation and circumstances please obtain a personalised mortgage illustration.
“We wouldn’t trust anyone else with our Mortgage and protection services, from our very first Right to Buy property to our second home, Jenny has been there every step of the way. Jenny takes all the stress and worry out of what can be a complex process from start to finish. I will always recommend her services and wouldn’t go with anyone else. Truly the best.”
Jules Hale
“The best in the business! Honest, reliable, trustworthy, considerate and a joy to deal with! I wouldn’t have anyone else. If you buying, selling etc you NEED to contact Jen and you won’t be disappointed.”
Tasha Roach
How much can I borrow for a mortgage?
This depends on your income, outgoings, credit history, and the lender’s criteria. Typically, lenders will offer between 4 to 5 times your annual income, up to 7 times in some cases, but this can vary.
Do I need a deposit to get a mortgage?
Yes, but there are some lenders that will allow 0% deposit, but most lenders require a minimum deposit of 5–10% of the property’s value. A larger deposit may give you access to better interest rates.
What’s the difference between a fixed-rate and a variable-rate mortgage?
A fixed-rate mortgage means your interest rate stays the same for a set period, while a variable-rate mortgage can change, usually in line with the Bank of England base rate or lender’s standard variable rate.
Can I get a mortgage if I’m self-employed?
Yes, but you’ll typically need to provide at least 2 years of accounts or tax returns to prove your income, along with evidence of ongoing work or contracts.
What is life insurance and why do I need it?
Life insurance pays out a lump sum to your loved ones if you die during the policy term. It helps protect your family financially by covering debts like a mortgage or providing income replacement.
What’s the difference between critical illness cover and income protection?
Critical illness cover pays a lump sum if you’re diagnosed with a serious illness covered by the policy, while income protection provides regular payments if you’re unable to work due to illness or injury.
Can I take out protection insurance if I have a pre-existing condition?
Yes, but it may affect the cost or terms of your cover. It’s important to be honest when applying, as non-disclosure can invalidate a claim.
Is protection insurance worth it if I get sick pay from work?
It depends on how long your employer pays you and what your financial commitments are. Protection insurance can help bridge the gap once your sick pay ends.