Business Details
Your Trusted Mortgage Broker in Leeds
Established by John Phillips, a seasoned professional with 36 years of experience in financial services, JP Mortgages has become a trusted name in the mortgage brokering industry. Our team leverages relationships with hundreds of lenders, from high street institutions to niche specialists, to secure tailored mortgage solutions for clients. We pride ourselves on our ability to assist individuals who face challenges with traditional lending systems, offering access to exclusive products and bespoke advice.With a commitment to speed and efficiency, we provide decisions in principle within 24 hours and maintain flexible availability, including evening appointments. Our recent expansion to Batley underscores our dedication to serving local communities across Yorkshire. Recognised for impartial expertise at industry events, we combine regulatory compliance with a personal touch, ensuring clients receive transparent, ethical guidance throughout their property journey.
Services
Residential Mortgages
Buy to Let Mortgages
Equity Release
Bridging Loans
Remortgage Advice
Highlights and features
- 36 years of mortgage industry expertise with FCA authorisation
- Access to 200+ lenders including exclusive niche providers
- Evening appointments available for working professionals
- 24-hour decision in principle service for urgent cases
- Specialist support for clients with adverse credit histories
Associations and certifications
- Financial Conduct Authority
What people say
Expertise in complex cases
Rapid decision-making
Personalised service
Transparent fee structures
Successful adverse credit solutions
Services
Residential Mortgages
We provide tailored residential mortgage solutions for first-time buyers and home movers. Our FCA-regulated advisors access competitive rates across 200+ lenders to match your financial circumstances. With expertise in complex cases, we secure approvals where traditional lenders decline, offering fixed and variable rate options with transparent fee structures.
Buy to Let Mortgages
Specialist buy-to-let financing for property investors with portfolios of all sizes. We connect clients with lenders offering favourable terms for multiple properties, HMOs, and limited company mortgages. Our advisors help maximise rental yields while navigating tax-efficient structures and regulatory requirements for landlords across Yorkshire.
Equity Release
Secure lifetime mortgages and equity release plans for homeowners aged 55+. We partner with specialist lenders to offer flexible drawdown options and fixed-rate guarantees. Our advisors explain implications for inheritance planning while ensuring compliance with FCA protections, helping clients access tax-free lump sums without monthly repayments.
Bridging Loans
Fast-approval bridging loans for property transactions requiring urgent funding. We source regulated and unregulated products with loan-to-value ratios up to 75%, supporting property auctions, chain breaks, and refurbishment projects. Competitive rates apply for terms between 1-24 months with flexible exit strategies.
Remortgage Advice
Expert remortgaging guidance to reduce payments or release equity. We analyse early repayment charges and market rates to identify savings opportunities, handling applications for standard residential cases and complex situations involving adverse credit or self-employment.
People
John Phillips
Mortgage Broker
With 36 years of experience in financial services, John specialises in complex mortgage cases. He holds FCA-authorised status and regularly advises Yorkshire landlords at NLA meetings. Recognised for his client-first approach, he combines regulatory expertise with a track record of securing approvals where mainstream lenders decline.
Questions
What mortgage products do you offer?
We provide residential, buy-to-let, equity release, bridging loans, and remortgage solutions through 200+ lenders, including exclusive products unavailable elsewhere.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit cases, working with niche lenders to secure approvals where traditional banks decline applications.
How quickly can you provide a mortgage decision?
We typically deliver decisions in principle within 24 hours for most mortgage products.
Do you offer evening appointments?
Yes, we accommodate working professionals with evening appointments available upon request.
Are your services regulated?
We operate under FCA authorisation (reference 302757) with strict compliance to financial conduct standards.
Can you assist with property listings?
Yes, we offer property listing services for £395, including exposure on major platforms to maximise buyer visibility.
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Reviews (1)
D. Facey
Sep 27, 2019
Report
Great service, cheaper than estate agents sold our house in a week and got us on a great mortgage with the new house
