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Specialisations
Our expertise extends to assisting clients with adverse credit history, foreign national status, joint borrower arrangements, CIS workers, interest-only mortgages, self-employed individuals and debt consolidation.
Adverse Credit / Bad Credit
Adverse credit mortgages are mortgages that are available to people with a adverse credit history. They usually come with a higher interest rate and a larger deposit requirement because lenders will see you as high risk.
Our J&P specialists are experienced in finding mortgage solutions for individuals with adverse credit histories. We will work with you to explore options and improve your chances of obtaining a mortgage.
Foreign Nationals
Navigating the UK property market as a foreign national can be challenging. A foreign national is any person who is free to enter, stay and work in the UK with barely any restriction on the their length of stay or the employment they take and who do not require a work permit.
Our mortgage advisors understand the unique needs of foreign nationals and can assist you in securing a mortgage tailored to your residency status and financial situation.
Joint Borrowers Sole Proprietor
JBSP mortgage where multiple individuals can be named borrowers but only one person but only one person is listed as the sole proprietor of the property.
This means that all borders are equally responsible for repaying the mortgage, but legally only one person is considered the property owner.
We specialise in arranging mortgages for joint borrower arrangements, ensuring all parties are informed and comfortable with the financing structure.
CIS Workers
CIS mortgages are offered to someone signed up to the
CIS (Construction Industry Scheme).
Self-employed CIS workers often face difficulties in securing mortgages.
Our J&P Mortgages experts have experience working with CIS workers and can assist you in obtaining mortgage financing based on your unique income structure.
With our specialised knowledge, we can guide you through the process and help you achieve your homeownership goals.
Interest Only Mortgagaes
With an interest - only mortgage, your monthly payment covers only the interest charges on your loan, not any of that original capital borrowed.
We at J&P Mortgages offer expert advice and access to suitable lenders for interest-only mortgage solutions, helping you manage your finances efficiently.
Mortgages for Self-Employed
The type of mortgage you can get as a self-employed person is unlikely to be different to any of those available to people in salaried position.
Our J&P Mortgages specialists understand these challenges and can help you secure a mortgage tailored to your self-employment status.
Debt Consolidation
Our J&P debt consolidation mortgage services can help you consolidate your debts.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.