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self employed mortgages.
There are many different variables involved when it comes to being self-employed and applying for a mortgage. There are several common myths around the self-employed mortgage criteria however it is our duty to put these common myths right and advise you as mortgage experts on what is true and what is not. Calculating your income when self-employed works differently and is more complex in comparison to being employed. Mortgage lenders’ approach to self-employed mortgages is varied in many ways and is certainly not a case of ‘’one size fits all’’.
Whether you are a sole-trader or a director of a limited company there are a vast amount of mortgage solutions out there for you to explore. Our job at JG Mortgage Services Limited, is to obtain the correct documentation from either yourself or your accountant in order to guide you through your self-employed mortgage journey to not only ensure you are receiving the right mortgage but also strive to ensure you understand the process. JG Mortgage Services Limited has a track record of providing self-employed customers with successful mortgage solutions. Do not worry, we are here to help.
bad credit mortgages.
We understand at JG Mortgage Services Limited that life can throw curveballs at us from time to time which lead to having negative effects on your finances and credit profile which may have caused you to bury your head in the sand and avoid exploring your mortgage options. Due to our access to a comprehensive panel, of High Street and specialist lenders, we are able to offer mortgage solutions to our customers who have suffered with historic or current adverse credit by having access to specialist mortgage lenders who are willing to listen.
We take a 100% unbiased and professional approach when providing you with the right advice and the most suitable specialist mortgage solution. You may feel as though your past or current circumstances creates an impossible chance of achieving your mortgage goals which is why it is a crucial to instruct a mortgage expert with the experience as well as the knowledge within the adverse credit field.
income protection.
Without receiving our income – We struggle to be able to keep up with our finances as well as the cost of living. JG Mortgage Services Limited provides tailored income protection solutions to ensure that in the event of you becoming unwell or picking up an injury, you will receive an income from your income protection provider subject to your specific criteria and eligibility, up until you are fit and healthy enough to return to work. The illness or injury may not be life threatening however it may restrict you from being able to carry out your day-to-day role.
mortgage protection (Life & Critical Illness Insurance).
Obtaining a mortgage loan is likely to be the largest commitment we are ever due to acquire. Due to this it is vitally important that when we secure a mortgage loan that we insure the loan amount in the unfortunate event that you are to suffer with a critical illness or in the worst-case scenario pass away. Although life and critical illness insurance is an extremely taboo subject as we do not believe, or want to believe our health may ever decline – We do not know when this could occur. If you were to contract a critical illness you would have to either take time off work or quit your job. Without this income it will become increasing difficult to keep up with your mortgage payments, bills and cost of living as well as putting severe financial pressure on our loved ones – By purely relying on your life savings to afford these financial commitments you would be surprised how quickly these savings would run out and you could potentially be at risk of either having to sell your home or in the worst case scenario even have your home repossessed by your mortgage provider if repayments are not kept up with.
Mortgage Protection insurers will require a detailed fact find based on your age, health history and occupation to provide a quote which outlines how much per month the premium will cost to keep you insured. There are also insurers who offer cover for not just yourself but also your children in the event of them either becoming critically ill or sadly passing away. Our expert advisers are here to provide every one of our clients with the right insurance product to ensure our customers are fully protected from the worst scenario’s ever happening. We insure our mobile phones, cars, pets and valuables so it is vitally important that we are also insuring ourselves for any potential health scares in the future.
Ex-pat
mortgages.
As we know, United Kingdom citizens that live and work abroad are generally referred to as ‘Expats’. An Expat Mortgage is a mortgage you would look to take out on a property within the UK whilst you are classed as a UK Expat. Obtaining a mortgage as a UK Expat can be difficult as mortgage lenders see this as higher risk which in turn creates more stringent criteria and affordability checks. However, with this said, ExPat mortgages are obtainable, and JG Mortgage Services Limited has the expertise to help. We recommend you speak to one of our experienced mortgage advisors in order to help you secure the right Expat solution.
Contractor mortgages.
Whether you are a contractor or paid via the CIS Scheme – JG Mortgage Services Limited has the knowledge, expertise, and experience of how to correctly advise you if you are receipt of contractor income. All mortgage lenders are different and offer different criteria and solutions for contractors therefore we are here to secure the right mortgage solution for you based on the type of income you receive.
Releasing Equity for Home Improvements.
Buildings & contents insurance.
Buildings & Contents insurance is otherwise known as ‘home insurance’. Mortgage providers require this cover to be in place before your mortgage completes. We offer specialist advice on buildings, contents and also landlords insurance to ensure your building as well as it’s contents are fully insured.
gifted deposit mortgages.
Gifted Deposit Mortgages are where you are in a fortunate position whereby family members or landlords are willing to offer you a gifted deposit to secure your new home. Whether your family members decide to pay you a lump sum to contribute towards your deposit or they are willing to sell their existing property to you whilst using a percentage of their equity within the property to count towards your deposit – We are here to offer you the most suited solutions and explain the process’ involved when choosing to proceed with the gifted deposit route.
portfolio landlord mortgages.
Portfolio Mortgages allow landlords to place all their buy to let mortgages under one roof with one mortgage lender. We understand that having multiple properties can become hard to track especially when these mortgages are placed with different lenders. Portfolio mortgage solutions offer the ability to place these properties under one roof with only one mortgage payment being taken out each month for all properties which makes portfolio’s a lot easier for landlords to manage. We provide landlords with the advice they need to be able to easily manage their portfolio’s.
EXCELLENT Based on 163 reviews hakan bulu2024-12-18Trustindex verifies that the original source of the review is Google. Thank you very much for helping us buy our new home and for all your support. I definitely recommend JG Mortagage. Thanks a lot, Joel and Sean. Samantha Scott2024-12-11Trustindex verifies that the original source of the review is Google. Joshua was very helpful when I was applying for my mortgage. Took all the stress off me and came back with the best deals. Couldn’t recommend enough. Mo2024-12-04Trustindex verifies that the original source of the review is Google. From start to finish Josh and Joel have been great with their communication and actively chased the mortgage case daily. Cannot recommend them enough! Joe Kenny2024-11-22Trustindex verifies that the original source of the review is Google. JG Mortgage got my mortgage offer smoothly whilst being on an agency in work and having different incomes most weeks. They are always responding to any questions I have, highly recommend. Gaz C2024-11-21Trustindex verifies that the original source of the review is Google. Josh and Joel were fantastic from day one. Their advice and support went above and beyond and they were always there when we needed them - particularly during challenging moments. Would highly recommend. Becky and Hannah2024-11-07Trustindex verifies that the original source of the review is Google. JG Mortgage services have been fantastic at securing us a mortgage offer. As first time buyers with little knowledge about the process, both Sean & Joel were very good at explaining the process to us and guiding us through it. I would highly recommend them to any first time buyers who are nervous to start the process. Hannah Butler2024-11-07Trustindex verifies that the original source of the review is Google. This is the third time using JG mortgages and I cant thank Josh & Joel enough for always going the extra mile. They always provide 5 star service. Caroline Newton2024-10-29Trustindex verifies that the original source of the review is Google. Amazing service from both Sean and Joel in a very complex case. You both strived so hard to get the right solution for me and really appreciate all the hard work you did on the case. Elan1 Coleman2024-10-29Trustindex verifies that the original source of the review is Google. Josh and Joel have both been amazing from the start of our house process right to the end ! Having a partner who was self employed made things a lot more difficult to start with but with the help of Josh and Joel we sorted out a plan it may have changed a few times but we did it ! Haha . Very responsive to any of my messages or phone calls and was always willing to help and if they didn’t know the answer they would find someone who did ! Both reassuring and if there was any hurdles in the way they would get it sorted and they was both always positive ! Thankyou both again we appreciate all your help and now we can say we are officially home owners and ready to make memories in our new home with our beautiful little girl !! Highly recommend to anyone !! Rosanna Shaw2024-10-23Trustindex verifies that the original source of the review is Google. Would recommend JG mortgages. Josh was very professional and we felt we were able to contact via WhatsApp whenever we had questions. Josh made the process of remortgaging very simple and explained things so well. Thank you
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