Business Details
25 Years
experience
Trusted Mortgage & Financial Advisers in Newbury
At J Finance, we have been providing expert mortgage and financial protection advice since 2001. Led by Managing Director Rowan Frayling, our team prioritises clear communication and tailored solutions, avoiding industry jargon to deliver accessible guidance. With over 400 five-star reviews, we combine extensive market knowledge with a client-centric approach, offering services including mortgage brokering, equity release, and insurance planning. Our FCA-authorised status ensures adherence to rigorous regulatory standards, while our multilingual capabilities (including Polish-speaking advisers) reflect our commitment to inclusivity. We operate nationwide with flexible appointment options, ensuring accessibility for clients across Berkshire, Oxfordshire, London, and beyond.Our process begins with understanding individual circumstances, followed by market analysis to identify optimal financial products. We maintain transparency throughout, explaining complex financial instruments in plain language to empower informed decision-making. Our track record demonstrates consistent success in securing competitive mortgage deals and protection policies, with ongoing support to adapt to clients' evolving needs. This approach has established us as a trusted partner for first-time buyers, homeowners, and retirees seeking financial security.
Services
Mortgages
Equity Release
Life Insurance
Protection Services
Insurance Planning
First Time Buyer Support
Bridging Finance
NHS Mortgages
Self Employed Income
Private Medical Insurance
Details
- Year established: 2001
Highlights and features
- We have over 20 years of experience in mortgage and financial planning.
- Our team holds FCA-authorised status for regulatory compliance.
- 400+ five-star reviews validate our client satisfaction track record.
- Multilingual support including Polish-speaking financial advisers.
- Flexible appointment options across UK locations and remotely.
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Clear communication
Successful mortgage outcomes
Multilingual support
Flexible appointments
Services
Mortgages
We specialise in mortgage solutions for first-time buyers, home movers, and investors. Our services include fixed-rate, tracker, and variable-rate mortgages, with access to exclusive deals not available on the high street. We provide guidance on government schemes like Shared Ownership and First Homes, helping clients maximise borrowing potential while considering deposit requirements and affordability checks. Our FCA-regulated advisers ensure transparent processes from application to completion.
Equity Release
Our equity release services enable homeowners aged 55+ to access tax-free cash from their property. We offer lifetime mortgages with flexible repayment options, including interest-only plans and voluntary payments. As Equity Release Council members, we provide independent advice on financial implications, inheritance impact, and benefit considerations, ensuring clients understand long-term commitments while maintaining residency rights in their homes.
Life Insurance
We provide tailored life insurance policies to safeguard families' financial futures. Our offerings include term life, whole-of-life, and family income benefit policies, designed to cover mortgages, debts, and childcare costs. We assess individual needs to recommend appropriate coverage levels, with ongoing support to adjust policies as circumstances change, ensuring long-term financial security for dependants.
Protection Services
Our protection services encompass critical illness cover, income protection, and business protection solutions. We help clients mitigate financial risks from unforeseen events, including private medical insurance and business continuity plans. Our advisers ensure comprehensive coverage aligned with personal and professional needs, with a focus on claims support and policy adaptability.
Insurance Planning
We offer strategic insurance planning for personal and business clients, including home, private medical, and group life insurance. Our approach involves risk assessment to identify coverage gaps, followed by market comparisons to secure competitive premiums. We provide ongoing policy reviews to ensure alignment with evolving financial goals and regulatory requirements.
People
Rowan Frayling
Managing Director & Principal Adviser
Rowan Frayling leads J Finance with over 20 years of mortgage advisory experience. He specialises in complex financial solutions, ensuring regulatory compliance and client-focused service delivery across the UK.
Jonathan Bright
Mortgage & Equity Release Adviser
Jonathan Bright provides expert guidance on mortgages and equity release, leveraging extensive market knowledge to tailor solutions for clients' retirement and property financing needs.
Teresa Landau
Mortgage & Protection Adviser
Teresa Landau specialises in mortgage and protection planning, helping clients secure financial stability through comprehensive risk management and insurance strategies.
Janusz Wesolowski
Mortgage & Protection Adviser
Janusz Wesolowski offers bilingual mortgage and protection advice, focusing on accessible financial solutions for diverse client needs across residential and commercial sectors.
Nicole Page
Mortgage & Protection Adviser
Nicole Page delivers tailored mortgage and insurance advice, prioritising client education and long-term financial planning to achieve sustainable homeownership and protection goals.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, specialist lending, and equity release solutions tailored to individual financial circumstances.
How do you assist first-time buyers?
We offer exclusive mortgage deals, government scheme guidance, and step-by-step support from application to completion, helping first-time buyers maximise borrowing potential.
Can you help with equity release?
Yes, we provide FCA-regulated lifetime mortgages allowing homeowners aged 55+ to access tax-free cash while retaining property ownership.
Do you offer insurance products?
We provide life insurance, critical illness cover, income protection, and private medical insurance tailored to personal and business risk management needs.
Are you regulated by the FCA?
Yes, J Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA Register reference 442742).
Reviews (5)
Karolina Teper
Dec 12, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Excellent service. We are first buyers and we are very satisfied with their services. Marcin is great advisor and fantastic Mortgage Specialist, very helpful and quickly response. I highly recommend J Finance, they are the best.
Excellent service. We are first buyers and we are very satisfied with their services. Marcin is great advisor and fantastic Mortgage Specialist, very helpful and quickly response. I highly recommend J Finance, they are the best.
Karolina Teper
Dec 12, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Excellent service. We are first buyers and we are very satisfied with their services. Marcin is great advisor and fantastic Mortgage Specialist, very helpful and quickly response. I highly recommend J Finance, they are the best.
Excellent service. We are first buyers and we are very satisfied with their services. Marcin is great advisor and fantastic Mortgage Specialist, very helpful and quickly response. I highly recommend J Finance, they are the best.
Krzysztof Swierczek
Nov 01, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Janusz is fantastic Mortgage Specialist. I have been dealing with him for few years now. He helped us with our first mortgage then reportage. Very efficient, knowledgeable and make the whole process smooth and easy. Best Advisor that I know and 100% recommended. Thank You!!
Janusz is fantastic Mortgage Specialist. I have been dealing with him for few years now. He helped us with our first mortgage then reportage. Very efficient, knowledgeable and make the whole process smooth and easy. Best Advisor that I know and 100% recommended. Thank You!!
Krzysztof Swierczek
Nov 01, 2021
Report
Positive:Professionalism,Quality,Responsiveness,Value
Janusz is fantastic Mortgage Specialist. I have been dealing with him for few years now. He helped us with our first mortgage then reportage. Very efficient, knowledgeable and make the whole process smooth and easy. Best Advisor that I know and 100% recommended. Thank You!!
Janusz is fantastic Mortgage Specialist. I have been dealing with him for few years now. He helped us with our first mortgage then reportage. Very efficient, knowledgeable and make the whole process smooth and easy. Best Advisor that I know and 100% recommended. Thank You!!
Kimberley Howard
Aug 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Excellent service, Rowan has been amazing and got me a mortgage offer within a week! He is excellent, extremely helpful, responds quickly, and found offers available that other Mortgage advisors couldnt! Thank you so much.
Excellent service, Rowan has been amazing and got me a mortgage offer within a week! He is excellent, extremely helpful, responds quickly, and found offers available that other Mortgage advisors couldnt! Thank you so much.
