Just 4 Mortgages

Just 4 Mortgages, independent mortgage consultancy in Mansfield

Just 4 Mortgages Ltd presents itself as an independent, whole-of-market mortgage consultancy. According to its own description, it uses a computer sourcing system to access any bank or building society and identify the deals available. The firm states it has over twenty years of experience and has served more than 4,000 clients, and operates under the authorisation and supervision of the UK's Financial Conduct Authority (FCA).

Its services are aimed both at those buying a home in Mansfield and anywhere else in the country, and it offers a free initial consultation and an application process it describes as fast and straightforward.

Mortgage and protection services

The firm's range of services covers the main financing and protection needs linked to housing:

• First-time buyer and Right to Buy: advice for first-time buyers and for those buying through the right-to-buy scheme for public housing, with support at every stage of the application process.
• Remortgages: a review of the client's circumstances and the deals available to provide impartial advice on the most suitable remortgage option.
• Buy to let: sourcing buy-to-let mortgages tailored to the needs of the property, with experience in less conventional situations.
• Home moves: a personalised service that asks strategic questions to design the mortgage requirements, avoid unnecessary costs and adjust the level of certainty or flexibility of the deal.
• Insurance: protection for the structure and contents of the home against various risks, with an assessment of the client's needs to determine the appropriate level of cover.

Client profile and approach to advice

The company targets those who value a close, hassle-free service. The testimonials on its website, taken from Google reviews, repeatedly mention the service received during first-time purchases and remortgages, clear communication and quick resolution of queries. Among the names cited in those testimonials are team members such as Kerri, Aimee and Giustin, as well as references to Justin.

The firm also publishes informative content about the mortgage process, with articles on topics such as a mortgage with a £5,000 deposit, the importance of income protection and changes to Stamp Duty for additional properties.

Structure and complementary activity

Just 4 Mortgages Ltd operates from its office in Mansfield and maintains a link with its own estate agency, Just Move, which the firm presents as support for those who also need to manage a move.

The website warns that a fee applies for mortgage advice, the exact amount depending on the client's circumstances, with a typical fee of £494. It also reminds users that a home may be repossessed if payments are not kept up, and that the guidance and advice on the site are subject to the UK regulatory regime and aimed mainly at clients in that country.

Location and contact

29 Leeming Street Mansfield NG18 1NA · Phone: 01623 622611 · Email: admin@just4mortgages.co.uk