JB Mortgages

JB Mortgages, mortgage advice in Huddersfield

JB Mortgages is a mortgage advisory firm based in Huddersfield (UK) that has been operating since 2002. The company presents itself as a broker working with a network of more than 90 lenders and thousands of product options, with the stated aim of finding the most suitable mortgage for each client's circumstances. James Bull and Sam Bull are the people who introduce the company and explain their role as intermediaries.

Client profiles and situations covered

The firm's service catalogue covers a wide variety of profiles and mortgage scenarios. Among first-time buyers, options include self-employed buyers, buyers who need a guarantor, joint mortgages on flats, new-build homes, shared ownership and agreements in principle, even when previously declined. Joint mortgages with parents and the single borrower with two applicants arrangement are also covered.

For those who already own a home, the company handles mortgage switches, remortgages, debt consolidation — including credit card debt — and flat remortgages. In the rental segment, it offers buy-to-let products for first-time landlords, multi-property portfolios, ex-council flats and joint operations, as well as agreements in principle for this type of loan.

Mortgages with adverse credit history

JB Mortgages devotes a specific part of its activity to clients with credit issues. It covers mortgages for buyers with bad credit, remortgages with impaired credit, IVA cases, county court judgments (CCJs) — settled or not — registered defaults and combinations of these situations with self-employed profiles, shared ownership or joint mortgages.

International clients and visas

The firm advises EU citizens after Brexit, expats, non-UK residents, buyers with foreign currency income and applicants with UK residency status. It also arranges mortgages linked to various types of visa: BNO, ancestry, spouse, skilled worker, health worker, CIS, as well as the sponsorship schemes for Ukrainian citizens. Cases without indefinite leave to remain (ILR) are included.

Unusual properties and special cases

The catalogue addresses properties that often present additional difficulties: ex-council flats, high-rise flats, homes without an EWS1 certificate, premises above restaurants or shops, studios, serviced apartments, new builds, properties with flying freehold, houses with an annexe and operations to buy the adjoining home and knock through. It also covers mortgages for multiple people (three or four applicants) and for older borrowers, with products for over-50s and over-60s, retirement interest-only mortgages (RIO) and solutions for those trapped in old mortgages.

Right to Buy and other services

The company includes advice on Right to Buy, with variants for homes with deck access, high-rise flats and joint operations. In addition to mortgage brokering, it offers loan protection services through a panel of insurers and development finance for property development, both for land and permitted development. It also produces mortgage capacity reports.

Customer service and working method

The firm describes its service model as personalised and flexible: unlike traditional banks, it is willing to arrange meetings at the time and place that best suit the client, and offers advice by phone or at home. The team supports the entire process, from application to communication with lenders and resolving underwriting queries, and provides assistance with notarial procedures and documentation. The company states it has more than twenty years of experience and access to competitive rates, some not directly available to the public.

Location and contact

62 Turnstone Way, Huddersfield, HD4 5FA · Phone: 01484 622 787 · Email: enquiries@jbmortgages.co.uk