Straight-forward advice & friendly support.

Brought to you by the experts.

👉 Scroll down or click the images below to learn more about how we can help you.

Advice Areas:

  • Buying a home for the first time is a big financial commitment: and there are a lot of factors to consider. How much can you borrow? What might it cost per month? What other costs should you be expecting?

    We can assist with all of this, from the very first step, right up until you collect your keys with personalised advice and friendly guidance.

  • How much equity do you have? What are the costs of moving? Is your mortgage portable?

    These are all questions we can help with.

  • Remortgaging typically involves reviewing your mortgage when your initial interest rate ends.

    We will look at your existing lender, and the wider market, to find the very best option for you. Don’t just assume that your existing lender will offer the best package!

    Remortgaging can also allow you to release equity from your property, consolidate debts or finance home improvements.

  • If you own, or are buying, a property that you intend to rent out, you will require a Buy to Let mortgage. This is a complex and ever-changing market, and advice is vital.

    There are various quirks to Buy to Let mortgages, such as whether the lender requires a certain level of personal income, whether you have other rental properties, who you intend to let the property to and more.

    We can assist if you hold property, or intend to, in your personal name or a limited company (known as SPV).

    We have decades of experience of helping landlords with their mortgage finance, so why not entrust us with your needs?

  • We can also assist with:

    Ex Pats, Self Build, Commercial, Bridging, Second Charges and more!

Advice Areas:

  • Life insurance is a type of insurance policy that pays out a sum of money to your loved ones if you were to pass away during the policy term.

    It's important to have life insurance to provide financial security for your family in the event of your death, particularly if you are the primary earner or have dependents who rely on your income.

    At J Finance, we will carry out an expert analysis of your protection needs and provide you with the right advice.

    Remember that protecting your income or providing life assurance or health cover need not be expensive.

  • Critical illness cover is a type of insurance policy that pays out a lump sum of money if you are diagnosed with a critical illness, such as cancer or a heart attack.

    This type of cover can provide financial support during a difficult time, allowing you to focus on your recovery without worrying about the loss of income and what this may mean.

    As the illnesses covered, and amounts paid out, can vary from insurer to insurer, it is exceptionally important to receive advice on the subject and ensure you end up with a policy that best meets your needs, not simply what appears at the top of a price comparison website.

  • Income protection is a type of insurance policy that provides you with a regular income if you are unable to work due to illness or injury.

    This type of cover can help you maintain your standard of living and meet your financial obligations, such as mortgage or rent payments, bills, and other expenses.

    Income protection typically pays out a percentage of your pre-tax income for a set period of time, or until you are able to return to work.

    This may be particularly important if you are self-employed or if your employer does not offer a sick pay policy above and beyond Statutory Sick Pay.

  • As well as personal protection, we can also look at business insurance which may mean insuring the business owner or the employees of a firm.

  • With NHS wait times a regular news headline and PMI bringing you choice of hospital and specialist, many people choose PMI to provider greater choice and flexibility.

Advice Areas:

  • If you are over 55 and own your own home either outright or with most of the mortgage paid off, an equity release mortgage could enable you to use your property to supplement your finances.

    A lifetime mortgage involves taking a type of mortgage that does not require monthly repayments, although with some plans rather than roll up the interest you can opt to make monthly repayments if you wish.

  • Another later life lending product, income assessed based on pension income with an interest only mortgage with no end date. Commonly less tie ins than equity release but less long term security of rate & ownership.

Contact Us

To arrange a no obligation appointment please fill in our form or simply call us on 01635 521300.

We offer appointments via video, telephone or face to face, either in our Newbury office or if practical, at your home or workplace.