About JF Financial

JF Financial Associates is a business partner of Lifetime Wealth Management, with our Head Office located in St Albans. Together we have Advisers located throughout most of the UK, who collectively have decades of experience in Financial Services.

The Founder of JF Financial Associates

Justin Fordham – South African born, but English by heritage. He moved back to the UK in 1998 and migrated into financial services shortly after. Starting as a bank adviser, he soon moved onto one of the country’s largest and most respected independent mortgage and insurance brokerages where he learned and mastered his trade before setting up “JF Financial Associates” in 2007.

Our Company

We aspire to offer the highest quality Mortgage and Insurance advice that is tailored to each individual client, and seek to provide comprehensive solutions that help achieve their financial goals both in short, medium & longer term. What’s more, we remove all the brain busting jargon in the process and work with you in plain English!

Once we have helped you with your current situation, we then contact you at least annually to make sure you are doing ok and see if you require any further help or advice. Then once your mortgage or insurance deal is due for renewal, we will take care of the whole reassessment process for you.

Making the right decisions is essential for ensuring your long term future – the most crucial of those decisions may well be from whom you seek advice. The choice of a Professional Financial Adviser who can provide expert guidance is an important first step.

We have worked tirelessly over the years ensuring we only offer the highest quality advice, an exceptional service to every individual client and we have remained unwavering in our belief that each client should be treated as if they were a family member. There is only one type of advice provided at JF Financial Associates and that is: “Honest advice every time!”

Our commitment and determination to be the most respected advisers in the industry has meant we have created some fantastic business relationships with several well known companies like Step Change Debt Charity, McCann Estate Agents and Montfort International to name a few.

We are so trusted and respected that we also have several Financial Advisers from other firms asking us to look after their clients in specific areas, knowing we are dependable and their clients will be dealt with correctly.

The biggest testimony of all is the fact that our clients regularly refer us on to their friends and family as they believe our services are worthy of recommendations to others.

PLEASE NOTE – Your home may be repossessed if you do not keep up repayments on your mortgage

Or alternatively fill in the form below to send an enquiry now

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"Very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."

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Thank you very much for all your hard work obtaining our first mortgage, which was so difficult to get providing our limited finances! Your assistance has been invaluable, and we would have never achieved this without you! We would have no hesitation in using your services again or, indeed, in recommending you to anyone who requires services of a mortgage & insurance specialist.

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This was from a client we have been working with for over 7 years now: "Many thanks for all your hard work and effort to obtain our mortgage offer! I can't tell you how it feels for us to have gone from having nearly 100k of debt and a 'hopeless case' to getting a high street mortgage (in less than 7 years!)

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Justin was recommend by my bother who had his mortgage arranged with him a couple of years before. The set up process was very easy, Justin got me on the phone, found out my needs and financial details and then came back a couple of days later with three options for me to pick from. After than things went smoothly, Justin and his team were VERY helpful, they even helped fix a couple of problems caused by my solicitors. On the day of completion Justin was on the phone making sure everything was fine as were his team. I felt very well looked after and even decided to arrange extra life cover with Justin.

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We have been a client of JF Financial for almost 9 years. Justin goes above and beyond to ensure everything runs smoothly. The service this company provides is 5 star. Would 100% recommend JF Financial.

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Knowing Justin is a blessing, I had couple of re mortgage with JFinancial. Very friendly & stress free service, Justin always look after all small details before the application. Hassel free , as long you have all uptodate documents. Great service. Just talking to him is a great pleasure.

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I would like to thank Justin from J F Financial for his extremely professional service. After my recent stage one interview which was to understand all aspects of my financial position he was able to tell me more about my finances than I knew myself. Justin gave me clear, decisive advice which enabled me to put things in place to secure future financial stability. I initially went to Justin to see if he was able to help secure an acceptable rate on the re-mortgage of my property as it had come to the end of its term and slipped into variable rate. This was something that I did not think was possible in today’s current financial market. Justin not only matched my existing interest rate but secured this rate for the next 5 years. From Stage one to completion of the mortgage I found this to be a very smoothly run and professional service and would not hesitate with recommending Justin from J F Financial to any of my family or contacts in the future.

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Just thought would drop you a quick line to say thank you for all your help with helping us along the process of buying our flat. We are all settled in now and loving it!! I will highly recommend you to all my friends, as it was a pleasure dealing with you and you made the whole process a lot less stressful. Once again many thanks for all your help and your useful knowledge.

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Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle!!! Thanks again.

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This was a big help in meeting all my needs, very helpful and professional

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5 star service. Could not recommend JF Financial highly enough. Justin assisted us throughout the whole house buying/selling process. He made one of the most stressful processes in life easy and hassle free. Was always available for any advice, even out of office hours! Would never look elsewhere for any financial advice in the future.

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We have just completed on our 2nd mortgage arranged by Justin. We wouldn’t consider going to anyone else as JF Financial Associates are friendly, professional and determined to find the best mortgage for our ever evolving needs. Justin is able to explain the whole process in an understandable way, making sure you are fully aware the next stage of the process. I have no hesitation in recommending their services. Mr & Mrs Wallis. West Sussex.