FAQs

FAQs and General Information:

What is the First Mortgage Package?

The First Mortgage package is a comprehensive financial health check designed to help clients optimize their finances, prepare for homeownership, and improve their chances of securing a mortgage within 1 – 5 years.

Who is the First Mortgage Package for?

Individuals or couples who are ready for a mortgage and those who are not immediately eligible for a mortgage but are committed to securing one in the near future.
Those looking to enhance their financial situation, improve their credit score, and achieve long-term financial goals.

Why Should You Consider the First Mortgage Package?

Financial Optimization

The package helps identify financial inefficiencies, optimize income and expenses, and implement effective budgeting strategies. This ensures your finances are in the best shape when applying for a mortgage.

Improved Mortgage Eligibility

With tailored credit score improvement strategies, debt guidance, and savings plans, you increase your chances of being approved for a mortgage with better rates and terms.

Tailored Support and Educational Tools

Receive personalized advice, educational resources, and a clear financial roadmap. You’ll be guided to having the confidence and knowledge to make informed decisions about your future.

Long-Term Benefits

Investing in your financial health now can lead to more opportunities, less financial stress, and greater stability down the road.

Exclusive Discounts
- 10% Off: Currently available for all packages.
- Loyalty Savings: Receive 15% of off all mortgage packages for existing Future Planning Package Clients.

What are the available payment methods?

We take online payments from all major credit and debit cards, including our partners at PayPal, Google Pay and Apple Pay options.

Do you offer payment instalments?

Yes! we have partnered with the likes of PayPal, Google Pay and Apple Pay who can offer zero Interest monthly instalments as well as buy now and pay later options.

What Does the Package Include?

First Mortgage (single) (£329.99):

Income Summary
Budgeting and Cash Flow Management
Debt Review and CCJ Removal Guidance
Saving and Emergency Funds Summary
Credit Score Assessment and Improvement Strategies
Estimated date for Mortgage Readiness
Budgeting and Financial Educational Tools
15% discount when upgrading to any of our Mortgage Packages

First Mortgage (Joint) (£399.99):

Includes all the benefits above, tailored for joint financial planning.

What are the Risks of Not Having the First Mortgage Package?

Potential Missed Mortgage Opportunities at the time of review

Without an optimized financial profile, you may face delays or denials in securing a mortgage which could have been foreseen and strategies implemented at an earlier time.

Higher Costs

Poor credit or financial inefficiencies can result in higher interest rates, larger deposits, or more expensive terms.

Limited Options

Failing to address your financial health now can restrict your choices for lenders and properties.

Unnecessary Stress

Navigating the mortgage process without guidance can be overwhelming. This package ensures you’re fully prepared and confident that by following the plan and using the educational tools provided you are able to optimize your financial health.

Do you offer promo discount codes, for new customers?

Yes! Take advantage of our current promotion and save 10% on all Plans. Don’t miss this opportunity to invest in your financial future and Mortgage Brokerage Service at a reduced cost.

What Are the Next Steps?

Purchase the Package
- Single: £329.99 (with 10% off = £296.99)
- joint: £399.99 (with 10% off = £359.99)

Begin Your Financial Health Check

The JP Mortgage team will assess your finances, provide actionable recommendations, and guide you through every step of your journey.

Follow-Up Support

A progress review will be conducted at approximately 12 months to ensure you’re on track for your goals.

Move Closer to Homeownership

With your finances optimized, you’ll be ready to secure a mortgage and take the next step onto the property ladder.

Why Choose JP Mortgage?

Trusted experts with a proven track record in mortgage and financial planning.
Personalized service tailored to your unique needs.
Transparent pricing and commitment to your success.
JP Mortgage is an independent mortgage broker with access to over 120 lenders. Our unbiased approach ensures that we can offer you the best mortgage rates available at the time of your application. Specialising in adverse credit, we work with a range of non-high street lenders, making us an ideal choice for clients who may not meet the stringent criteria of traditional banks or building societies. As specialists in helping first-time buyers, we also have extensive experience with government-backed schemes designed to assist you in securing your first property.
At JP Mortgage, we take pride in delivering exceptional customer service and rewarding loyalty with exclusive discounts for returning clients.

What if I need specialist assistance?

JP Mortgage specialises in First time buyers, remortgages, home moves and buy-to-lets. However, if your particular circumstances appear out of our remit, we can refer you to third parties who will be able to assist.

Take control of your financial future today and get closer to owning your dream home with JP Mortgage’s Future Planning Package!

FAQs For Mortgage Packages

Frequently Asked Questions (FAQ) – Mortgage Broker and Advisory Services

Why should I choose JP Mortgage over other brokers?

At JP Mortgage, we are an independent mortgage broker with access to over 120 lenders, including specialist lenders who cater to clients with adverse credit histories. This gives us the flexibility to secure the best rates for you, even if your financial situation is not straightforward.

Unlike high-street lenders or building societies, we are not limited to a small selection of mortgage products, meaning we can offer a wider range of options to suit your unique circumstances. Our goal is to work for you, ensuring that you get the best mortgage deal possible. We take pride in providing clear advice and transparency at every step of the process.

What do you specialize in?

At JP Mortgage, we specialize in a few key areas that set us apart from other brokers:

Adverse Credit Mortgages: We work with clients who may have poor or adverse credit histories, including missed payments, defaults, CCJs, or bankruptcy. We have access to a wide range of non-high street lenders who are more flexible with their credit criteria, making it possible for those with credit challenges to secure a mortgage.
First-Time Buyers: We are experts in helping first-time buyers navigate the complex world of mortgages. Whether you're looking to take advantage of Government-backed schemes or need help understanding the process, we provide clear, easy-to-understand advice to guide you every step of the way.
Specialist Mortgages: We specialize in more complex cases that require tailored advice, including self-employed individuals, those with non-standard income sources, or clients seeking to remortgage with more complicated financial situations.
Mortgage Protection: We also offer advice on mortgage protection, life insurance, and home insurance, ensuring that your property and financial future are safeguarded, particularly for clients seeking peace of mind alongside their mortgage advice.

Why do you charge a broker fee?

The broker fee helps cover the costs of providing personalized mortgage advice and end-to-end support throughout your mortgage journey. We don’t just compare rates—we provide a comprehensive service that includes:

Assessing your financial health
Tailoring mortgage options to your specific needs
Supporting you with the application process
Providing ongoing advice and reminders (for example, when your mortgage term is nearing expiration)

While some brokers may offer zero upfront fees, they often add these fees to your mortgage loan, meaning you will be paying interest on those fees for the duration of your mortgage. We believe in transparent, upfront pricing so you know exactly what you are paying for.

Our fee structure is clear, fair, and designed to ensure you receive the expert service and advice that can save you money in the long term. Choosing JP Mortgage means you are investing in expert advice and a bespoke service, not just a one-size-fits-all solution.

Why should I go with you when I can get a broker for zero upfront cost?

It’s true that many mortgage brokers now advertise zero upfront fees, which may seem attractive at first. However, there are a few things to keep in mind:

Fees are often added to your loan: With zero upfront fee brokers, their fees are usually added to your mortgage loan, meaning you will be paying interest on these fees for the full term of your mortgage. This increases the overall cost of your mortgage and can make your long-term payments higher.

Limited options: Many brokers who offer zero upfront fees may not be fully independent. They might be tied to a smaller group of lenders or may have fewer mortgage options for you to choose from. In contrast, we work with over 120 lenders, including many specialist and non-high street options, ensuring you have access to the best deals available.

Tailored advice: With JP Mortgage, you are not just paying for a mortgage—you are investing in personalized, expert advice that can help you make better financial decisions. We offer detailed financial health checks, bespoke mortgage strategies, and ongoing support throughout the life of your mortgage.

Transparency and clarity: Our fees are clear and transparent, with no hidden costs. You’ll always know what you’re paying for upfront, and our independent status means that we have your best interests in mind, without being tied to any particular lender.

What’s the difference between your packages?

We offer several packages tailored to different client needs:

Flexible Mortgage Advice Package (£352.99): A flexible, budget-friendly option for clients who do not need immediate advice and are happy to proceed at a slower, more flexible pace.

Comprehensive Mortgage Package (£599.99): For clients wanting a priority service or have more complex situations, offering end-to-end application support.

Professional Mortgage Package (£899.99): Includes everything in the Silver package, plus insurance and protection advice to help secure your property and family’s future.

Platinum Mortgage Management Package (£1,500.00): Designed for high-net-worth clients or those needing comprehensive VIP support.

Do you offer any discounts?

Yes! We offer 10% off for all new clients who choose any of our paid mortgage packages. Additionally, existing clients can enjoy a 15% loyalty discount when they upgrade to the comprehensive mortgage package within 12 months of successfully following and completing the Financial Health Check Plan.

Our discount structure ensures that as a loyal client, you benefit from further savings down the line as your needs evolve.

What’s the "Best Rate Guarantee"?

Our Best Rate Guarantee means that we will help you secure the best possible mortgage rate available at the time of application. Thanks to our access to over 120 lenders, we can compare a wide range of mortgage products to ensure you're getting the best deal based on your circumstances.

Can you help if I have a poor credit history?

Yes! JP Mortgage specializes in adverse credit and works with non-high street lenders who are more flexible when it comes to credit criteria. Whether you’ve had a history of missed payments, defaults, or other credit issues, we can find the right lender for you and help you secure a mortgage that suits your situation.

Do you offer ongoing support after my mortgage is arranged?

Yes! Our more Flexible, Comprehensive, Professional and Platinum Mortgage Management Services—include ongoing support, such as reminders when your fixed-rate mortgage is nearing expiration, periodic reviews of your mortgage portfolio (for Platinum clients), and advice on credit improvement and insurance protection.

Can I get a mortgage without paying any upfront fees?

Yes, you can find brokers who charge zero upfront fees, but remember that those fees are often added to your mortgage loan. While this may seem convenient initially, it means you’ll pay interest on the broker's fees over the life of your loan, making it more expensive in the long run.

At JP Mortgage, we believe in transparent pricing and offer services that are designed to save you money in the long term. By paying upfront, you avoid the hidden costs that can come with “no upfront fee” brokers. Plus, we offer access to over 120 lenders, ensuring you get the best rates available.

How do you store my personal data? (GDPR / PECR compliance)

At JP Mortgage, we take your privacy and data security seriously. We are fully compliant with GDPR (General Data Protection Regulation) and PECR (Privacy and Electronic Communications Regulations) laws to ensure that your personal data is handled with the utmost care.

Here’s how we handle your data:

Data Security: Your personal data is stored securely and protected with the highest level of encryption.
Purpose Limitation: We only collect and use personal data for the purpose of providing mortgage advice and related services.
Access and Control: You have the right to access, update, or delete your personal data at any time. We ensure that your information is kept up to date and is used strictly in relation to the services you’ve engaged us for.
No Sharing: We will never share your personal data with third parties, except as necessary for the processing of your mortgage application, or if required by law.

You can read our full Privacy Policy on our website for more detailed information on how we protect and use your data.

Are you FCA regulated?

Yes! JP Mortgage works with those fully regulated by the Financial Conduct Authority (FCA). This means that they are required to adhere to strict rules and standards that ensure you are provided with the best advice and service. You can trust that as such are operating in a way that is compliant with the highest industry standards, and are fully accountable to the FCA.

What are the available payment methods?

We take online payments from all major credit and debit cards, including our partners at PayPal, Google Pay and Apple Pay platforms.

Do you offer payment instalments?

Yes! we have partnered with the likes of PayPal, Google Pay and Apple Pay who can offer zero Interest monthly instalments as well as buy now and pay later options.