Justin and JF Financial Associates have previously worked alongside StepChange Debt Charity (formerly Consumer Credit Counselling Service or more commonly know as CCCS) for almost two decades, offering their clients and staff financial advice around insurance, mortgages and pensions.
We helped CCCS and then StepChange clients reduce their spending on financial products like mortgages and insurance. This was to help them improve their monthly cash flow and ease the burden of their debts.
We build long term relationships with our clients, helping them achieve a balance in their finances and we work together with them to create a prosperous future.
Free debt help
Established in 1993 StepChange Debt Charity is the UK’s leading debt charity and provides free debt help to nearly 500,000 people every year.
How StepChange Debt Charity can help?
If you are struggling with household bills or credit debts, or both, StepChange Debt Charity can offer free, confidential debt advice and a range of services:
- Debt management plan (DMP) provided with no fee.
- Insolvency Service approved, they can submit a debt relief order (DRO) application
- Personal bankruptcy advice and support
- Their own Individual Voluntary Arrangement (IVA) service
- An award winning equity release service allowing home owners aged 55 and over to release equity in their home while they live there.
- To help you make the right decision about your situation StepChange Debt Charity have produced a series of guides on redundancy, bankruptcy and debt consolidation all available to download for free.
- They can offer a tailored budget and instant advice on what to do next, either anonymously, 24 hours a day, using StepChange Debt Remedy, or by calling their freephone helpline.
Helpline free phone 0800 138 1111 open Monday to Friday 8am to 8pm and Saturday 9am to 2pm.
Note** Quilter, Lifetime Wealth Management and JF Financial Associates do not offer advice on debt management. The information contained on this site about StepChange Debt Charity is for information purposes only.
Quilter, Lifetime Wealth Management and JF Financial Associates do not offer advice on debt management. The information contained on this site about StepChange Debt Charity is for information purposes only.
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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.