Business Details
Expert Mortgage Brokers in Plymouth
Jan O'Neill Mortgages has been delivering expert mortgage advice since 1990, combining extensive industry experience with a client-centric approach. Our founder, Jan O'Neill, began her career with Royal Life and Royal Sun Alliance before becoming a fully qualified mortgage broker, establishing herself as one of the South West's most experienced advisers. We specialise in whole-of-market mortgage solutions, ensuring clients receive tailored advice for first-time purchases, remortgaging, equity release, buy-to-let, and shared ownership properties. Our commitment to transparency is reflected in clearly agreed fees ranging from 199 to 950, with an average of 498. Jan personally guides clients through every step, from initial consultation to completion, including liaising with solicitors and estate agents.Recognised through multiple financial services awards and former Regional Chairman of the Plymouth and Cornwall Life Insurance Association, we prioritise long-term client relationships built on trust. Over 90% of our business comes from client referrals, testament to our dedication to finding mortgage solutions that align precisely with individual circumstances. Our regulatory compliance under the Financial Conduct Authority ensures adherence to the highest professional standards, while our regional expertise in Plymouth and the South West enables nuanced understanding of local property markets.
Services
First Time Buyer
Buy to Let
Equity Release
Remortgages
Shared Ownership
Highlights and features
- We offer 34 years of mortgage advisory experience since 1990
- We provide whole-of-market access to find your optimal mortgage solution
- Our fees are transparent with clear upfront agreement
- We maintain long-term client relationships through trust and understanding
- We have regional expertise in Plymouth and South West property markets
Services
Mortgage Advice
Our mortgage advice service provides comprehensive guidance across the entire market, helping clients navigate first-time purchases, remortgaging, and property investment. We assess individual financial circumstances to recommend suitable products with transparent fee structures. Our expertise ensures clients receive competitive rates while understanding all associated risks and commitments.
Equity Release
Equity release solutions enable homeowners to access funds tied in property equity while maintaining residency. We explain lifetime mortgage options and home reversion plans, detailing implications for inheritance and means-tested benefits. Our advice ensures clients understand long-term financial impacts while achieving immediate capital requirements through regulated products.
Buy to Let
Buy-to-let mortgage advice focuses on property investment strategies, assessing rental income potential against lending criteria. We compare specialist landlord products, including interest-only options and portfolio management solutions. Our service considers tax implications and regulatory requirements while securing competitive rates for residential and commercial investment properties.
Remortgages
Remortgaging services identify opportunities to reduce monthly payments through better interest rates or adjusted loan terms. We evaluate exit fees from existing mortgages against potential savings, considering product transfers versus switching lenders. Our advice ensures clients optimise their mortgage arrangements while maintaining financial stability.
Insurance Services
Insurance advisory services cover life, health, and property protection policies tailored to mortgage requirements. We compare coverage options for buildings, contents, and income protection, ensuring adequate safeguards against financial risks. Our recommendations balance premium costs with comprehensive coverage to protect both clients and their dependants.
People
Jan O'Neill
Mortgage and Protection Adviser
With 34 years' experience since 1990, Jan O'Neill is a qualified mortgage adviser specialising in whole-of-market solutions. Former Regional Chairman for Plymouth and Cornwall Life Insurance Association, she has received multiple financial services awards. Jan personally manages client cases from initial consultation to completion.
Questions
What mortgage options exist for first-time buyers?
We advise on government-backed schemes like Help to Buy, shared ownership, and standard first-time buyer mortgages with competitive rates and lower deposit requirements.
How does equity release affect inheritance?
Equity release reduces your estate's value, potentially impacting inheritance. We explain lifetime mortgages and home reversion plans' implications for beneficiaries.
Can I remortgage with bad credit?
We assess adverse credit situations to find specialist lenders offering competitive rates while explaining potential impacts on loan-to-value ratios and interest rates.
What fees apply to mortgage advice?
Fees range from £199 to £950 depending on case complexity, with average costs at £498. All charges are agreed upfront before proceeding.
Are buy-to-let mortgages regulated?
Most buy-to-let mortgages aren't regulated by the FCA. We explain implications while comparing products that balance investment potential with financial risks.
How long does mortgage approval take?
Typical approval takes 2-6 weeks depending on lender processes, property valuation requirements, and documentation completeness. We expedite applications through established lender relationships.
