Business Details
8 Years
experience
Your Trusted Mortgage Advisors in Liverpool
Established in Liverpool, J P Financial has built a reputation for delivering tailored mortgage and insurance advice since 2018. Our team of experienced advisors, with over two decades of combined expertise in mortgage and protection markets, specialises in simplifying complex financial processes for first-time buyers, home movers, and property investors. We act as intermediaries between clients and lenders, leveraging our industry knowledge to anticipate challenges and secure competitive deals. Our commitment to long-term client relationships ensures ongoing support throughout every property journey, from initial purchase to portfolio expansion.With a focus on diligence and attention to detail, we have earned consistent five-star reviews for our transparent approach and personalised service. As an Appointed Representative of PRIMIS Mortgage Network, we operate under the regulatory oversight of the Financial Conduct Authority, adhering to strict compliance standards while maintaining a client-centric philosophy.
Services
First Time Buyers
Mortgage Advice
Remortgaging
Buy to Let
Fixed Rate Mortgages
Tracker Mortgages
Offset Mortgages
Repayment Mortgages
Interest Only Mortgages
Details
- Year established: 2018
Highlights and features
- We have over 20 years combined experience in mortgage markets
- We deal with mortgage lenders and insurers on your behalf
- We build long-term client relationships through transparent advice
- Our team consists of certified mortgage professionals
- We maintain a 5/5 star rating from verified customer reviews
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Made everything easy
Saved us money
Professional advisors
Highly recommend
Services
First Time Buyers
Specialist mortgage solutions for first-time property purchasers. We connect clients with exclusive lender deals and coordinate with estate agents and solicitors throughout the buying process. Our advisors simplify paperwork and eligibility criteria to make homeownership accessible for new buyers.
Remortgaging
Expert guidance for homeowners seeking better mortgage terms. We analyse current deals against market alternatives to identify cost-saving opportunities. Our service includes fee negotiation with lenders and assistance with equity release for home improvements or debt consolidation.
Buy to Let
Tailored financing solutions for property investors. Our landlord-specialist advisors provide market analysis and access to exclusive buy-to-let products. We help clients build profitable property portfolios through strategic mortgage structuring and cashflow optimisation.
Fixed Rate Mortgages
Secure mortgage options with guaranteed interest rates for set periods. We help clients select appropriate fixed-term durations (2-10 years) to protect against market fluctuations while balancing rate premiums. Our comparison tools highlight long-term cost benefits.
Tracker Mortgages
Flexible mortgage products linked to the Bank of England base rate. We explain rate correlation mechanics and help clients assess risk/reward profiles. Our advisors monitor market trends to advise on optimal switching opportunities.
People
John Potts
Mortgage Adviser
Experienced mortgage specialist with over a decade in financial services. Specialises in first-time buyer schemes and new property developments. Provides clear guidance through complex mortgage processes.
Christopher Mills
Mortgage Adviser
Certified mortgage professional focusing on buy-to-let investments and portfolio management. Combines practical landlord experience with market analysis to deliver profitable solutions for property investors.
Steven Williams
Mortgage Adviser
Expert in remortgaging strategies and equity release solutions. Helps homeowners reduce monthly payments and access property equity for debt consolidation or home improvements.
Rosie Lee
Mortgage Adviser
Specialist in first-time buyer assistance and government-backed schemes. Guides new purchasers through eligibility requirements and deposit options to achieve homeownership goals.
Bradley O'Brien
Office Manager
Coordinates client services and manages administrative operations. Ensures smooth communication between clients, lenders, and legal professionals throughout the mortgage process.
Questions
What mortgage types do you offer?
We provide fixed rate, tracker, offset, repayment, and interest-only mortgages for first-time buyers, home movers, and buy-to-let investors.
Are there fees for mortgage advice?
Our initial consultation is free. Mortgage arrangement fees range from £150–£495 depending on individual circumstances and loan complexity.
How can you help first-time buyers?
We access exclusive first-time buyer deals, coordinate with estate agents, and explain government schemes to make homeownership accessible and straightforward.
Do you offer remortgaging services?
Yes, we help clients save money by switching mortgages, negotiating lower rates, and advising on equity release options for home improvements or debt consolidation.
Are your advisors qualified?
All our mortgage advisors are certified professionals with combined experience spanning over 20 years in the UK mortgage market.
Reviews (5)
John Castano
Nov 07, 2021
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Been with JP financial since we bought our house and the service has been brilliant. Chris and the team really know how to make you feel empowered and in control. They dont ever seem to busy to take a call and have always made us feel valued. All my family members are part of their service, and will continue to be. I dont think there is any other financial agency that comes close to their level of care and professionalism.
Ed Aleotti
Oct 24, 2021
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Great experience getting my mortgage sorted through JP financial. Rosie was super helpful and friendly throughout the process, always very quick and efficient in getting back to me. Easiest part of my property purchase, would highly recommend!
Anthony Claro
Oct 22, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Rosie made the whole process really straightforward, got us a great deal and reduced our mortgage by 5 years! I will definitely be contacting her when our current mortgage deal is over. Absolute pleasure to deal with and very efficient. Thank you Rosie
Rosie made the whole process really straightforward, got us a great deal and reduced our mortgage by 5 years! I will definitely be contacting her when our current mortgage deal is over. Absolute pleasure to deal with and very efficient. Thank you Rosie
Timothy
Sep 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Really excellent! We have used JP Financial for all our purchases over the years, and they have been absolutely superb every time. John and his team are always a pleasure to work with - really first rate, conscientious and very knowledgeable. I highly recommend JP Financial.
Really excellent! We have used JP Financial for all our purchases over the years, and they have been absolutely superb every time. John and his team are always a pleasure to work with - really first rate, conscientious and very knowledgeable. I highly recommend JP Financial.
Tina Oleary
Sep 02, 2021
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We was recommended to JP Financial by a friend. As first time buyers we had no prior experience of the complex process of a mortgage application (or multiple in our case!). John & his team have been fantastic from start to finish. They took away all of the pressure, always keeping us up to date with clear and concise communication. We cant thank them enough for helping us get our dream home :)
