Business Details
Your Trusted Mortgage Broker in the UK
Established as one of the UK's leading mortgage advisory firms, we specialise in providing tailored mortgage solutions for diverse client needs. Our expert team combines deep industry knowledge with a commitment to transparency, offering stress-free guidance through complex mortgage processes. With a focus on accessibility, we cater to clients with bad credit, self-employed individuals, and landlords, ensuring competitive deals through direct lender relationships.Our regulatory compliance and FCA authorisation underscore our dedication to professional standards, while customer testimonials highlight our consistent delivery of results-driven service. Over a decade of operation has solidified our reputation as a trusted partner in homeownership journeys.
Services
Bad Credit Mortgages
Self-Employed Mortgages
Buy-to-Let Mortgages
Remortgaging
Mortgage Protection
Highlights and features
- Specialise in complex mortgage cases including bad credit and self-employment
- Direct access to underwriters at 90+ lenders for exclusive deals
- FCA-authorised with 20+ years of industry experience
- 4.94-star rating from 152 verified customer reviews
- Personalised mortgage protection planning included with every application
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Highly recommend
Smooth process
Very helpful
Professional team
Services
Bad Credit Mortgages
Specialist mortgage solutions for clients with adverse credit histories including CCJs, defaults, and bankruptcies. We work with lenders who consider individual circumstances rather than relying solely on credit scores. Our advisors provide tailored guidance to help clients rebuild financial credibility while securing competitive mortgage rates.
Self-Employed Mortgages
Tailored mortgage arrangements for self-employed individuals, contractors, and company directors. We help clients demonstrate income through SA302s, accountants' references, and alternative documentation. Our expertise includes CIS workers, IT contractors, and professionals with complex income structures seeking favourable lending terms.
Buy-to-Let Mortgages
Specialist financing for property investors with portfolios of all sizes. We access competitive rates for standard buy-to-let properties and HMOs, providing portfolio management strategies. Our service includes stress-testing for void periods and landlord insurance recommendations to protect rental income streams.
Remortgaging
Expert guidance for homeowners seeking better mortgage terms. We analyse existing deals, calculate potential savings, and negotiate exit fees where applicable. Our service includes equity release options and debt consolidation strategies to optimise clients' financial positions.
Mortgage Protection
Comprehensive protection planning covering life insurance, critical illness cover, and income protection. We assess clients' specific needs to create tailored packages that safeguard against job loss, medical emergencies, or death. Our advisors work with multiple insurers to find cost-effective solutions that meet mortgage lenders' requirements.
People
Carl Shave
CEO and Co-founder
Carl Shave co-founded Just Mortgage Brokers after qualifying as a mortgage advisor in 2001. With two decades of industry experience, he contributes expert commentary to financial publications and oversees strategic operations.
Daniel
Senior Mortgage Advisor
Daniel specialises in complex mortgage cases, consistently delivering successful outcomes for clients with adverse credit histories. His expertise in buy-to-let financing and portfolio management has earned multiple five-star reviews from satisfied customers.
Questions
Can I get a mortgage with bad credit?
Yes, we specialise in adverse credit mortgages. Lenders consider your current financial situation and repayment capacity rather than past issues alone.
How do self-employed mortgages work?
We help self-employed applicants prove income through tax returns, accountants' references, or contract income. Specialist lenders assess affordability differently to standard applications.
What mortgage options exist for visa holders?
Skilled Worker Visa holders can access mortgages with standard UK lenders. We help applicants demonstrate income stability and meet residency requirements for homeownership.
Do you charge fees for mortgage advice?
Our advice is free as we receive commission from lenders. We disclose any applicable fees upfront, typically ranging from 0.3% to 1% of the loan amount.
How quickly can you complete a mortgage application?
Most applications complete within 4-8 weeks. We prioritise efficient processing with direct lender communication to meet your required timescales.
What protection plans should I consider with a mortgage?
We recommend life insurance, critical illness cover, and income protection tailored to your circumstances to safeguard against financial hardship.
Reviews (4)
Stuart Lauriston
Apr 22, 2021
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Positive:Professionalism,Quality,Responsiveness
Just Mortgage Brokers sorted out my mortgage very quickly when all the self applications online were not offering me anything like what Just did. My broker Lester was great throughout the whole process, brought my mortgage payments down and was great to deal with.
Just Mortgage Brokers sorted out my mortgage very quickly when all the self applications online were not offering me anything like what Just did. My broker Lester was great throughout the whole process, brought my mortgage payments down and was great to deal with.
Scott Moir
Jan 14, 2021
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We started a mortgage process with just mortgages in June 2020, the first 2-3 weeks were good, got a mortgage in principle, and was told that it's as good as done, so started the whole solicitors etc to then be told oh no sorry its not been accepted. This wasn't told to us by the mortgage adviser this was only found out because we ourselves contacted the mortgage company. From this point they were awful!! The mortgage adviser started off like we were her most important clients but that soon went when she had to put more effort in. Her customer service was shocking, emails/calls all went un answered
Yplc Yplc
Sep 13, 2020
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Critical:Professionalism,Quality,Value
Be aware of this company!!!!. They actually make you loose property by selection of their Lenders. Very unprofessional and poor advice. I dealt with Yasmin Scott. I lost properties with them.
Be aware of this company!!!!. They actually make you loose property by selection of their Lenders. Very unprofessional and poor advice. I dealt with Yasmin Scott. I lost properties with them.
George
Aug 04, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Great experience from start to finish. Yasmin, my broker, is always on hand to help, along with the great support of the broker support team. The whole team are always so helpful and knowledgable! Now on my 3rd mortgage with them and wouldnt use anyone else. Would recommend these guys to everyone. Thanks JMB
Great experience from start to finish. Yasmin, my broker, is always on hand to help, along with the great support of the broker support team. The whole team are always so helpful and knowledgable! Now on my 3rd mortgage with them and wouldnt use anyone else. Would recommend these guys to everyone. Thanks JMB
