Business Details
22 Years
experience
Your Trusted Mortgage & Protection Brokers
Established in 2004, Julian Mace & Associates operates as an independent mortgage and protection brokerage, prioritising client interests without ties to lenders or third parties. Our expertise spans first-time buyer mortgages, buy-to-let portfolios, remortgaging, and tailored protection solutions including life insurance, critical illness cover, and income protection. We provide a structured process encompassing initial consultation, research, recommendations, and application support, ensuring transparency and client education throughout.Our fee-based advice model (typically 299) is complemented by access to exclusive mortgage products through the PRIMIS Mortgage Network. As an FCA-authorised entity, we combine regulatory compliance with personalised service, guiding clients through complex financial decisions while maintaining clear communication at every stage.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Remortgage Services
Self-Employed Mortgages
Protection Policies
Details
- Year established: 2004
Highlights and features
- We operate independently, unaffiliated with lenders or third parties
- 20 years of mortgage and protection advisory experience since 2004
- Personalised guidance through complex financial decision-making processes
- Access to exclusive mortgage products via PRIMIS Mortgage Network
- Transparent fee structure with clear upfront cost communication
Associations and certifications
- Financial Conduct Authority
What people say
Best person
Guidance and expertise
Level of service
Services
Mortgage Advice
We provide comprehensive mortgage advisory services tailored to individual circumstances. Our FCA-regulated advisors help clients navigate first-time purchases, remortgaging, buy-to-let investments, and self-employed mortgage applications. With access to exclusive products through PRIMIS Mortgage Network, we offer structured guidance from initial consultation to completion, ensuring clients secure optimal mortgage solutions aligned with their financial goals.
Life Insurance
Our life insurance solutions provide financial protection for dependants in the event of policyholder death. We offer term life policies paying lump sums or regular income, with optional free trust arrangements. Coverage can protect mortgages, replace lost income, fund childcare, or cover debts. Policies are tailored to individual needs considering age, dependants, and lifestyle factors, ensuring appropriate financial safeguards for clients' families.
Critical Illness Cover
This service provides financial security for diagnosed critical illnesses including cancer, heart attacks, and strokes. Cover options repay mortgages, cover medical expenses, or provide living allowances during recovery. We explain policy terms and exclusions clearly, helping clients choose appropriate coverage levels from insurers offering standard to enhanced payment options, ensuring financial stability during health crises while maintaining transparency about policy limitations.
Income Protection
Our income protection policies replace lost earnings due to illness or injury, providing tax-free monthly payments. We assess existing employer benefits and recommend suitable coverage within clients' budgets. Policies ensure financial stability for self-employed individuals and employees receiving insufficient sick pay, covering essential living expenses while policyholders recover, with clear explanations of claim conditions and payment terms.
Remortgage Services
We assist clients in optimising mortgage terms when existing rates expire or financial circumstances change. Our services include evaluating remortgage opportunities for home improvements, debt consolidation, or better rates. We compare current lender offers with market alternatives, handling application processes and third-party communications to ensure seamless transitions while explaining potential savings and associated costs transparently.
Questions
What mortgage types do you advise on?
We provide advice on first-time buyer mortgages, buy-to-let investments, remortgages, self-employed mortgages, and residential property purchases across the UK.
Are your mortgage fees fixed?
Our standard fee is £299, though this may vary based on individual circumstances confirmed during your initial consultation.
How do you find competitive mortgage rates?
As PRIMIS Mortgage Network members, we access exclusive products and compare offers from multiple lenders to secure optimal rates for your situation.
What protection policies do you offer?
We provide life insurance, critical illness cover, income protection, and whole-of-life policies tailored to individual financial circumstances and family needs.
Are buy-to-let mortgages regulated?
Most buy-to-let mortgages aren't FCA-regulated, though we ensure transparent advice about product features and risks during consultations.
How does the mortgage process work?
Our four-stage process includes free initial consultation, market research, tailored recommendations, and application support with regular progress updates throughout.
Reviews (2)
Nathan Merritt
Oct 05, 2019
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Very professional service, extremely pleasant gent to deal with, knew his stuff and all the answers to my questions. Highly recommend going to see Julian to get your mortgage sorted.
Megan Broadhurst
Sep 18, 2016
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My partner and I just purchased our first home, and Julian's involvement from day one was invaluable. He advised us fairly and honestly, ensuring we only opted for what we could afford and went into the process with our eyes open. His services are 100% transparent and he explains every aspect throughly, so you always fully understand what's going on (even if you're first time buyers who knew almost nothing, like us!).
Julian's efficiency in terms of correspondence was perhaps most impressive - he would respond to an email within seconds and was always available on the phone or face to face to
Julian's efficiency in terms of correspondence was perhaps most impressive - he would respond to an email within seconds and was always available on the phone or face to face to
