Frequently Asked Questions

When you deal with a bank or building society directly, the majority of them are not allowed to offer you advice, they are only permitted to offer you information on the products they offer. Unlike the banks that are single tied, JF Financial Associates are Whole of Market authorised, so depending on your specific client profile like income into the home, current debts, your credit history, the loan to value required, product flexibility and the other individual requirements, we offer you ADVICE and RECOMMENDATIONS based on the most suitable mortgages and products that best suits you as an individual. We deal with and assess all the lenders at the same time for you, as all lenders criteria varies greatly and so they do not treat all customers the same. We know who offers what and can give you the advantage of choice. For our client convenience, the majority of our services are offered over the phone which means you can complete your entire mortgage shopping and applications within the comfort of your home. If we do move forward with a purchase or re-mortgage, there is very little work on your part. We have a team that will take care of the online applications for you, the processing of these applications, and the instructing of solicitors and valuations if required. We will then keep you regularly update on your case’s progression.

Some brokers charge a flat rate or hourly fee for their service, whilst others get paid a commission from the lender. Some charge a fee as well as get commission from the lender. Just so you are aware we do charge a fee for our advice and processing service. We can charge a fee of up to, but not exceeding 1.5% of the Loan, subject to a minimum fee of £297.00, however we always propose that we schedule in a free chat first. This is so we can get a better idea of what you looking to achieve. We can then explain our offering in more detail, how our fees work and how we access the markets for you. Following this conversation and if you happy to instruct us, we can look to book in a further appointment and go from there.

No, we’re not! JF Financial Associates are Whole of Market authorised. We offer advice from the whole market, so can offer you access to mortgage deals and offers from a large number of different banks, building societies and mortgage lenders not available on the high street.

We help you seek mortgages for investment purchases and re-mortgages (buy to let), first time buyers, next time buyers, debt consolidation re-mortgages, offset mortgages, residential re-mortgage, fixed rate mortgage, tracker rate mortgage, discounted mortgage, repayment mortgage or interest only mortgage. We specialise in clients with poor credit histories or a weak credit history and who need a credit repair mortgage or adverse mortgage.

PLEASE NOTE – Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let mortgages.

Yes, we are an approved Mortgage Broker in Norwich and have been registered with the Financial Conduct Authority. JF Financial Associates is a trading style of Lifetime Wealth Management Ltd, which is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority, and registered as 440703 and 440718 respectively. We are therefore fully authorised to offer mortgage and protection advice in Norfolk and across the UK.

The amount that you can borrow can vary greatly from lender to lender, and is generally based on current and ongoing affordability. This is determined by several factors including your credit rating, annual salary, outstanding debts, your credit history, the loan to value required, product flexibility and the other individual requirements etc. Get in touch for advice.

First and foremost, what seems ‘the right’ to you, may not exactly be the case. For instance, you may consider a loan with the lowest interest rate as the best deal, but if it requires you to have a great credit score, has big early redemption penalties or comes with really high set up fees, it potentially isn’t the best deal for you. Sometimes, a 30 year term may seem the best choice because of the low monthly outgoings, but in reality, a 15 or 20 year loan can save thousands of pounds in interest (for those who can afford to pay a higher EMI). Thus, what constitutes the right deal depends entirely on your individual circumstances, needs and requirements. This is something mortgage brokers are fully qualified to assess and advise on.

If we do move forward with a purchase or re-mortgage, there is very little work on your part. Our team will take care of initial fact finding, research, advising and recommending of the most appropriate deal and products for you. We will then do the online applications, the processing of these applications, and the instructing of solicitors and valuations if required. Throughout the process we will also keep you regularly update on your case’s progression.

You are not legally bound to accept our advice and are free to choose another mortgage broker, although that has never happened!

If you wish to register a complaint, please refer to our complaints page

As soon as possible! There is nothing more frustrating than finding the property of your dreams and then realising you can’t lend enough to buy it, Or applying for a re-mortgage and being declined due to lack of affordability. We suggest you contact us as soon as you start thinking of taking out a mortgage or re-mortgage. We can then help guide you through the deals you eligible for, and importantly how much you can borrow. You can then move forward with confidence and certainty!

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

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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."


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.


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!)


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.


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.


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.


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.


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.


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.


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


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.


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.