JLM Mortgage Services

JLM Mortgage Services, independent mortgage brokerage in the UK

JLM Mortgage Services is a British mortgage brokerage founded in 2002 that operates nationwide, with offices spread from Aberdeen to Brighton. The firm presents itself as a privately owned and fully independent mortgage network, and states that it is among the fastest-growing mortgage networks in the UK. Its activity focuses on mortgage intermediation and on arranging associated insurance and protection products.

Whole-of-market access and independent model

The company describes itself as a whole-of-market brokerage, with no ties to estate agency groups or specific insurers. According to its own presentation, it works with around 80 lenders and up to 25,000 different mortgage schemes, and seeks insurance cover from several companies. The firm stresses that its independence allows it to work for the client and not for a third party.

Mortgages for purchase, moving home and buy to let

The brokerage's range covers mortgages for first-time buyers, moving home, remortgaging and buy to let. It also offers shared ownership schemes.

Specialisation in complex and high-net-worth mortgages

JLM Mortgage Services states that, in addition to conventional mortgages, it specialises in more complex and high-net-worth loans. Among the products it details are:

• Mortgages for people with complicated incomes, such as company directors, contractors and recipients of annual bonuses.
• Self-build mortgages and mortgages for unusual properties.
• Mortgages for people with a history of credit problems.
• High-net-worth mortgages and large loans, with the possibility of bespoke products.
• Equity release.
• Loans of more than one million pounds.
• Private bank mortgages.
• Contractor mortgages.
• Complex income mortgages.
• Bridging finance.
• Development finance.
• Short lease mortgages.
• Commercial mortgages.

Protection, insurance and wealth management

The firm complements its mortgage intermediation with a protection and insurance area that includes life insurance, critical illness cover, income protection, home insurance, family protection, private medical insurance and business protection cover such as relevant life and key man. It also offers buildings and contents insurance and landlord cover, as well as periodic mortgage and insurance reviews to check that the client is getting value for money. Through JLM Wealth Management it provides wealth management services.

Nationwide service and advice channels

The company serves clients anywhere in the UK, regardless of where they live, where they wish to buy or which estate agent they are dealing with. To suit its clients' availability, it offers advice by phone, email, in office and through home visits, and maintains a callback request service. The firm states that it does not limit itself to conventional office hours because its clients do not either.

Regulatory structure and terms of service

JLM Mortgage Services is a trading style of JLM Mortgage Brokers Ltd., an Appointed Representative of JLM Mortgage Network Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) under registration numbers 953547 and 300629. The company is registered in England and Wales under number 13397178 and its registered office is in Hitchin, Hertfordshire. The information on the site is subject to the UK regulatory regime and is primarily targeted at UK customers. The company states that a fee of up to 1% of the mortgage amount may be charged depending on individual circumstances, with a typical fee of £695, and that in some circumstances no fee will be payable. Calls may be recorded to meet regulatory requirements. For complaints, a client who is not satisfied with the company's response may be able to refer the matter to the Financial Ombudsman Service.

Location and contact

21a Churchyard, Hitchin, Hertfordshire, SG5 1HP · Phone: 01462 455 655 · Email: info@jlmms.co.uk