Business Details
25 Years
experience
Your Trusted Mortgage & Protection Advisers in Cobham
Established in 2001, JML Associates has been dedicated to providing expert mortgage and protection advice to clients in Surrey and nationwide. Our team of qualified professionals prioritises exceptional customer service, offering tailored solutions to meet individual financial needs. With a commitment to transparency and efficiency, we utilise a user-friendly client portal to keep clients informed throughout their journey. Recognised as a Top Rated Firm in 2024, our advisers bring decades of combined experience and industry expertise.We pride ourselves on building long-term relationships, ensuring clients feel supported from initial consultation to successful completion. Our independent status grants access to the entire mortgage market, including exclusive deals, while our partnerships with industry professionals enhance the comprehensive service we provide.
Services
Mortgages
Equity Release
Life Insurance
Home Insurance
Business Insurance
Income Protection
Critical Illness Cover
Private Medical Insurance
Details
- Year established: 2001
Highlights and features
- We have over 20 years of experience in mortgage and financial advice.
- Our team holds advanced qualifications in mortgage advice and equity release.
- We offer independent access to the entire mortgage market, including exclusive deals.
- Recognised as a Top Rated Firm in the 2024 VouchedFor Guide.
- We provide a fully advised service with transparent, client-focused communication.
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Expertise and dedication
Flawless process
Proactive throughout
Exemplary service
Services
Mortgages
JML Associates offers comprehensive mortgage solutions tailored to individual circumstances, including first-time buyer schemes, remortgaging, and buy-to-let options. Our independent advisers access the entire market to secure competitive rates, ensuring transparent guidance from application to completion. With advanced qualifications and a client-first approach, we simplify the mortgage process for Surrey-based and national clients.
Equity Release
Our equity release specialists provide tailored advice to help homeowners access tax-free cash from their property. With certified expertise, we explain options like lifetime mortgages and home reversion plans, ensuring alignment with long-term financial goals. We prioritise clarity and suitability, supporting clients through every step of the release process.
Life Insurance
JML offers bespoke life insurance policies designed to protect families and financial commitments. Our advisers assess individual needs to recommend term life, whole-of-life, or critical illness cover, ensuring comprehensive safeguards. We partner with leading providers to deliver competitive rates and flexible terms, tailored to evolving personal circumstances.
Home Insurance
We provide tailored home insurance solutions covering buildings, contents, and combined policies. Our advisers evaluate risks and coverage requirements to recommend cost-effective options, ensuring protection against unforeseen events. We simplify claims support and policy management through our client portal and dedicated advisory team.
Business Insurance
JML offers specialist business insurance products, including property, liability, and income protection policies. Our advisers understand sector-specific risks, delivering customised solutions to safeguard operations. We work with commercial clients to ensure compliance, continuity, and financial resilience against potential disruptions.
People
Michelle Ford
Non-Selling Partner
With a career spanning since 1989, Michelle holds advanced qualifications in financial planning and equity release. She supports JML's growth through strategic oversight and industry expertise, ensuring high service standards while balancing client needs with operational excellence.
Daniel Ford
Mortgage and Protection Adviser
Daniel, a VouchedFor top-rated adviser since 2004, specialises in mortgages and equity release. His client-focused approach combines certified expertise with personalised solutions, helping clients achieve homeownership goals and financial security through tailored advice.
Kate Keeling
Practice Manager and Adviser
Kate manages daily operations while providing expert mortgage and protection advice. With qualifications in mortgage practice, she ensures seamless client experiences through efficient case management and dedicated support across financial planning needs.
Ed Penegar
Trainee Adviser
Ed, joining JML in 2025, supports clients as a trainee adviser while preparing for professional qualifications. His focus on operational efficiency and client care ensures smooth processes, reflecting JML's commitment to nurturing future financial advisory talent.
Adam Lewis
Case Owner
Adam supports JML's advisory team as a case owner, ensuring client needs are met with clarity and efficiency. His role focuses on maintaining operational excellence while delivering confident financial guidance, aligning with JML's client-first ethos.
Questions
What types of mortgages do you offer?
We provide all mortgage types, including first-time buyer, remortgage, buy-to-let, and specialist mortgages, tailored to individual circumstances through independent market access.
How can you help first-time buyers?
We guide first-time buyers through every step, offering competitive deals, transparent advice, and support with government schemes to simplify the home-buying process.
Are you regulated by the FCA?
Yes, JML Financial Associates is authorised and regulated by the Financial Conduct Authority, ensuring compliance with strict industry standards and client protections.
What protection services are available?
We offer life insurance, critical illness cover, income protection, home insurance, business insurance, and private medical insurance, all tailored to individual or business needs.
Reviews (4)
A. Google User
Nov 28, 2019
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We have been using JML services for more than 15 years now. The team are extremely professional and have always been able to assist us with our changing financial requirements.
A. Google User
Aug 17, 2019
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Very happy with service provided by the JML crew with assistance with obtaining my mortgage to purchase new build property. I would recommend.
A. Google User
Aug 15, 2019
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We have used JML for many years from way back when they had a premises in Addlestone, Surrey. We have got to know both Michelle and Dan on first name terms and also their team who have always been so helpful and made their best efforts to meet our needs. Most recently when we were buying our dream home, I called out of the blue to enquire about the mortgage and Dan took about an hour to actually begin the application process over the phone knowing that time was of the essence to enable us to proceed. Michelle followed up allowing me to visit the office and finalise the application. We have been
A. Google User
Aug 15, 2019
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I have used JML Financial Associates for a number of years following recommendations from my family. They have helped me in regards to mortgages and life insurance (pre existing medical conditions make my situation complicated), but they made the process so easy and they exceeded my expectations. I highly recommend JML!
