JMJ Financial Advisory

Independent mortgage and commercial finance advice from York

JMJ Financial Advisory Limited is an independent financial advisory firm based in York that concentrates on mortgages, commercial finance and protection. The business was launched by Jayne Johnson after four decades in banking and financial advice, and it presents itself as bringing that accumulated experience into an owner-led practice. Its stated approach is whole-of-market: it compares products across the wider market rather than limiting itself to a single lender's range, and it describes access to broker-only rates.

The firm states that it supports clients across the UK. Its work is organised around three service lines — mortgages, commercial finance and protection — and it presents advice as tailored to individual circumstances rather than a standardised product.

Mortgage services for buyers, movers and landlords

The mortgage side of the practice covers the main stages of the property journey. The services listed are:

• Guidance for first-time buyers, described as support from start to finish.
• Support for home movers.
• Remortgage advice.
• Buy-to-let and property investment finance.

JMJ presents its mortgage work as a whole-of-market comparison intended to identify a mortgage that suits the client's needs rather than the first offer available. The firm also offers a free mortgage review and a no-obligation initial conversation.

Commercial finance for business ambitions

On the commercial side, JMJ advises businesses on finance sourced from across the wider market. The categories named are business loans, property finance, development finance and commercial mortgages. The firm frames this line around growth and the ambitions of the business rather than around a fixed product set.

Protection advice

The third service area is protection. JMJ provides independent, whole-of-market advice on safeguarding the home, income and family's future. The firm describes this guidance as clear and free of jargon, and says protection arrangements are reviewed to fit a client's life as it changes.

Jayne Johnson and Becky Auty

The practice is led by Jayne Johnson, identified as Director and holding the CeMAP, CeFA and DipFA qualifications. Her profile states more than 40 years of experience in banking and financial advice across every stage of the property journey, and that she has helped thousands of individuals and families with decisions ranging from buying a first home to planning for the future. The firm emphasises straightforward advice, including telling a client when their current rate is already excellent.

Becky Auty handles client support. She is described as having 20 years of experience in the financial services industry and works alongside Jayne to support clients from first enquiry through to completion. Her role is presented around clear communication, organisation and personal care during the process.

Regulatory status and company details

JMJ Financial Advisory Limited is an Appointed Representative of ADNFC Financial Consultants Ltd, which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 918720. The company is registered in England with FRN 1060947. Its registered office is Unit 3, Ryedale House, Piccadilly, York, YO1 9NX, while the office address given for contact is Unit C, Ryedale House, Piccadilly, York, YO1 9NX.

The firm's site also invites clients who have worked with the practice to leave a review on Trustpilot.