The right mortgage advice

When you deal with lenders directly, they will only tell you about their own mortgage products. Some estate agents will offer mortgage products from a very limited panel.

At Penny Jones Mortgages I am able to offer a comprehensive 1st charge mortgage contract from 65+ lenders across the market and I offer a referral service for 2nd charge regulated mortgage contracts.

This enables me to choose the product that is right for you, whatever your personal and financial circumstances.

Ethical mortgage advice

I pride myself on providing ethical mortgage advice in plain English.

It is extremely important that you fully understand all aspects of the mortgage that is applied for and why it is the product best suited to you.

I will take you through all of the options available, tailor the package to suit your needs, goals and budget and explain them to you in plain English.

Access to some Mortgage deals not available directly with lenders

Lenders obtain a large proportion of their mortgage business via brokers.

Penny Jones is an Appointed Representative of Sesame Ltd, which is one of the largest and the longest established financial services network in the UK.

As an appointed representative of Sesame Ltd, I have access to their market-leading mortgage panel, which encompasses a wide range of lenders to give you a variety of lending solutions.

The aim is to save you as much money as I can!

I am on your side and with you all the way

My role is to ensure that you have the right mortgage and that your mortgage application is progressed to completion. At PJM I understand Lenders criteria & process, allowing me to make sure that I have done everything possible to make your mortgage experience smooth and hassle free. If there are any issues I will present your circumstances in the best possible light and will endeavour to overcome any problems for you. I am also here, for purchases, to guide you through the entire home buying process, helping you with both your Estate Agents and Solicitors. I will do everything possible to get you into your new home in the timescale that you desire.

We are not a comparison site

Comparison sites can be extremely confusing and do not offer advice or take into account your individual goals and circumstances. Each lender has a different set of qualifying criteria and products may be displayed that you do not qualify for. This can result in a lot of wasted time and effort with lenders who may decline you. This can also lower your credit score and actually make it even harder to get a mortgage. It is important that you understand all the terms, features and facts about a mortgage before you apply for it. What may initially seem the best mortgage often isn’t once all the factors and potential hidden charges are considered.

“Using a broker can save you a lot of time and stress, as they will handle everything from searching for a deal to applying and communicating with the lender on your behalf.

Mortgage brokers have expert knowledge of the mortgage market and will be able to recommend deals that suit your personal situation. They should also have access to software that allows them to search mortgage deals much faster and more thoroughly than you could yourself.

A good broker will know which lenders are most likely to accept you and help you steer clear of applying for deals you’re unlikely to get (which can have a negative impact on future applications).

Also, if you take out a mortgage using a broker you have the right to complain if the mortgage turns out to be unsuitable – an option that isn’t available if you apply without taking advice.”

Source: Which?




Whether you are looking to buy your first home, move house, re-mortgage or even purchasing an investment property, we will be with you every step of the way.