Bear Finance

Bear Finance: mortgage and protection advice in the United Kingdom

Bear Finance is a trading name of Just Mortgages Direct Limited, which is in turn an appointed representative of The Openwork Partnership. The firm presents itself as a mortgage and protection advice service with a direct, no-nonsense approach aimed at simplifying the application process. Its activity is aimed at UK residents and covers both home financing and personal and family protection.

Mortgage services

The company offers advice on various types of mortgage loans. Among the areas it covers are first-time buyer mortgages, remortgages and rate renewals, home moves, buy-to-let mortgages, commercial mortgages and bridging finance. The firm also indicates that its service does not end with the completion of the mortgage, but rather supports the client with future rate renewals, remortgages and long-term property goals.

Protection and insurance

In the area of protection, Bear Finance offers life insurance, critical illness cover, income protection and personal sick pay, as well as family income protection cover. It also offers buildings, contents and specialist insurance. In addition, the firm notes that pensions, investments, wills and trusts services are referred to trusted specialists where required.

Team of specialists

The team consists of four advisers with defined areas of specialisation. Ashley focuses on buy-to-let mortgages, portfolio landlords, bridging finance and limited company mortgages. Michael and Amina share a specialisation in mortgage and protection advice for first-time buyers, remortgages and home moves; Amina also works with a wide range of UK lenders. Brandon is dedicated exclusively to protection solutions for the home, income and family.

Scope and regulatory nature

Bear Finance operates as a trading name of Just Mortgages Direct Limited, a company registered in England with number 2412345 and registered address at Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. The firm is an appointed representative of The Openwork Partnership. The company warns that trusts, commercial lending, some bridging finance and most buy-to-let mortgages are not regulated by the Financial Conduct Authority. It also reminds that your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Coverage and clientele

The firm serves clients across the United Kingdom, with particular attention to first-time buyers, buy-to-let investors and homeowners looking to remortgage or protect their income. The information on its website is intended exclusively for residents of the United Kingdom.

Location and contact

Elm Cottage Cumley Road Toot Hill, Essex CM5 9SJ · Telephone: 01708 963 069 · Email: ashley@bearfinance.co.uk