Professional Mortgage Advisor In Norwich

If you are purchasing for the first time, an experienced buyer or just looking to re-mortgage your property we can help find a solution. We can be creative and think outside of the box. We also have many years of experience on our side.

In today’s market it is essential that you seek professional mortgage advice.

JF Financial Associates is a leading mortgage broker in Norwich in Norfolk, with a loyal client base locally, nationally and internationally.

Our team is highly experienced and specialise in mortgages for first time buyers, those who are self-employed and complex cases.

Our team at JF Financial Associates has over 24 years of experience in the business and we are also part of Lifetime Wealth Management Ltd. This means we have access to 100’s of other mortgage consultants knowledge at our fingertips when it comes to a tricky case.

If you are looking to purchase your first home, remortgage an existing property or want to move, we can help find a solution. We can be creative and think outside of the box, and if a case is outside the norm, we have the ability to call on our extensive network of mortgage brokers knowledge to help. We actively share this knowledge and collaborate to help find our clients the solution. This means we normally find solutions where others don’t or can’t.

At JF Financial Associates we aim to offer you the most suitable insurance and mortgage advice, tailoring the information and advice to your specific needs. We also keep things simple and don’t try to confuse you with misleading and complicated business jargon.

Book a Stage 1 interview with JF Financial Associates and you will have a clear picture right from the start!

We cover these 10 vital points:

  1. Complete a full assessment of your financial situation and stability
  2. Review your short, medium and long-term financial and home ownership goals
  3. Full income and expenditure analysis
  4. Assess how much you can realistically afford to borrow within a comfortable budget
  5. Work out the deposit required to have access to the most competitive deals
  6. Calculate your ideal purchase price
  7. Provide a full breakdown of all the costs and fees
  8. Comprehensive assessment of the mortgage products available
  9. Explain all the options, features and risks of the products
  10. Most importantly we will stress test the mortgage to make sure you can still afford it if the interest rate moved.

At the end of the consultation, you will be sent a blueprint of exactly what is possible. There is no such thing as hidden fees with JF Financial Associates as everything is clearly disclosed up front.

Mortgages in the UK are distributed via the intermediary market, directly from the lender or specific channels. The choices are often confusing if not overwhelming and getting professional advice is by far the best way of finding the most appropriate deal that meets your needs. When the credit crunch began around 2007, we saw the number of mortgage products shrink massively. The number of products has gradually bounced back over the last few years, but constant market volatility also means that some products can change or be pulled from the market at any time and often with no or very little notice.

Mortgage products and criteria change frequently to reflect the market place and intermediaries rely on sophisticated sourcing systems to differentiate between products and determine ‘The Right Deal’ that suits the applicant’s needs. This does not necessarily mean the best headline rate!

To arrange a free initial conversation with an experienced JF Financial Associates mortgage broker, you can give us a call on either 0345 50 88 588 or 07813 255267 or send us an email to

People do not want to be sold a mortgage, they want to talk about a mortgage, and it’s all about relationships! We also work 100% remotely with you, so are not geographically restricted.

So if you are looking for advice on mortgages, re-mortgages or purchasing a new home, our team, based in Norwich can help you find the right option for you. Please give us a call, we will be glad to help.

Commercial mortgages are available by referral to a master broker only.

The Financial Conduct Authority does not regulate commercial and buy to let mortgages.

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.

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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.