Business Details
16 Years
experience
Your Trusted Mortgage Broker in Halstead
Established in 2010, J M C Mortgage Services operates as a family-run business committed to providing tailored financial solutions. Our expertise spans mortgages, protection insurance, and associated services, delivered with a focus on customer care. We pride ourselves on offering access to exclusive deals through a comprehensive lender panel, ensuring clients receive competitive options. Our team includes fully qualified professionals with decades of combined experience in financial services. We provide free initial mortgage and protection reviews, working closely with clients to understand their unique circumstances. Our intermediary status allows us to source products from a wide range of providers, avoiding direct lender limitations.Clients benefit from dedicated support throughout the process, including guidance from our experienced completions manager. We maintain transparency in pricing with clearly defined broker fees, while prioritising ethical practices and regulatory compliance. Our affiliation with the Financial Conduct Authority-regulated PRIMIS Mortgage Network underscores our commitment to industry standards. Through a combination of local knowledge and national reach, we aim to deliver peace of mind for clients navigating financial decisions.
Services
Mortgages
Life Cover
Critical Illness Cover
Income Protection
Trusts
Conveyancing
Wills
Secured Loans
Debt Management
Commercial Insurance
Details
- Year established: 2010
Highlights and features
- Established in 2010 with local expertise in Halstead and Essex
- Director with 25+ years of mortgage and insurance experience
- Free initial mortgage and protection review for all clients
- Access to exclusive mortgage deals through comprehensive lender panel
- Dedicated completions manager for seamless transaction support
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We specialise in sourcing tailored mortgage solutions from a comprehensive lender panel. Our services include first-time buyer mortgages, remortgaging, buy-to-let financing and commercial property loans. As an intermediary, we access exclusive deals unavailable on the high street while providing expert guidance throughout the application process.
Life Cover
Our life protection solutions include level term and decreasing term insurance policies. Level term provides fixed coverage throughout the policy period, while decreasing term aligns with mortgage balances. Both options ensure financial security for dependents in case of unexpected death, with policies tailored to individual circumstances.
Critical Illness Cover
This service provides financial protection against serious illnesses through lump sum payouts. Coverage includes conditions like cancer, heart attacks and strokes, helping maintain income during recovery. Policies are customised to individual health profiles and financial needs.
Income Protection
We offer income replacement solutions for illness or disability-related work absences. Policies ensure ongoing financial stability by covering essential expenses during prolonged sickness. Coverage amounts and deferment periods are tailored to individual employment circumstances and financial commitments.
Trusts
Our trust services help manage inheritance distribution and tax efficiency. We assist with creating legally sound arrangements for asset protection and family financial security. Services include will creation and trust setup to ensure estates are distributed according to client wishes.
People
Julia Kent
Director and Mortgage Consultant
With over 25 years in financial services, Julia provides expert mortgage and insurance advice. She leads client consultations and ensures regulatory compliance across all operations.
Merril Kent
Completions Manager
Merril oversees transaction processes, coordinating with solicitors and lenders. Her role ensures smooth mortgage completions through dedicated client support and documentation management.
Questions
What mortgage services do you offer?
We provide first-time buyer, purchase, remortgage, buy-to-let and commercial mortgage solutions through our extensive lender panel.
How do you charge for mortgage advice?
Our broker fee is £695.95 payable on application and £600 upon completion, with no hidden charges.
What protection insurance options are available?
We offer life cover (level and decreasing term), critical illness cover, income protection and trust services.
Do you provide other financial services?
Yes, we also facilitate conveyancing, wills, secured loans, debt management and commercial insurance solutions.
Are your services regulated?
Our mortgage and insurance advice is regulated by the Financial Conduct Authority through our association with PRIMIS Mortgage Network.
