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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.
chris rielly2024-04-23Fantastic Service throughout, communication excellent also.
Jo Andrews2024-04-09This is the second mortgage JG Mortgages have arranged for us and we simply wouldn’t go anywhere else. Josh and Joel are amazing, they go above and beyond, following up with lenders, solicitors and anyone else involved, making the process extremely smooth! We are super happy with the service they provide!
Eve Marley2024-03-28Josh and Joel have been incredible throughout the whole process. Due to being a first time-buyer I was clueless but they have made the process smooth and stress free by explaining things to me in detail and answering any questions I have had so far. The communication has been great and I cannot thank them enough for the support they have provided me.
Nathan Griffith2024-03-28Couldn’t fault them. Josh and Joel made us feel at ease through the whole process. Constantly in touch with us with every update either by phone call, text, WhatsApp group chat and face to face! They gave top suggestions for our solicitor and surveyor who we did go with in the end, and so glad we did! Very professional and for the price they offer it’s worth every penny and more! I would and will be recommending them to friends and family.
Sophie Hughes2024-03-28Both Josh & Joel have been amazing throughout the whole process! As a first time buyer the process can seem quite daunting, but both have been very helpful and provided a fast service to any questions / queries we’ve had. Couldn’t be happier with the professionalism/service they’ve given.
Alex Parry2024-03-13Josh and Joel really removed all stress from applying and being accepted for my first mortgage, explaining all the jargon to something that actually made sense!
Caitlyn Jade2024-03-11Was recommend JG Mortgage by my sister and brother in law as me and my partner were first time buyers and had no idea where to start but we are so glad we went with them! From the first meeting we had with Josh and Joel we felt so comfortable, they were friendly and very informative. They have helped us so much from start to finish and we will be recommending them to anyone we know!
Lloyd Hewitt2024-03-07Great service from Josh & Joel. Kept in touch with me every step of the way. I would like to thank them both for the fast process and how helpful they have been. Highly recommend.
Gracia Castañon Nomparte2024-03-07Very good! Being first time buyers everything was new but they have been excellent explaining everything and making sure we understood everything, making the overall process easy! Very friendly and with a quick and easy booking system! Would definitely recommend!
Rachel C2024-03-03Amazing service from Joel & Josh. They made re mortgaging a very smooth and easy process! Communication was quick and informative. Thank you for everything
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