Andrew James - Mortgage & Protection

Andrew James - Mortgage & Protection Mortgage & Protection Advisor in the North West.

Residential, BTL, Portfolio Landlords, HMO, Directors

Honest, Straightforward Advice at all times

Message me to get started now 📱

🏡 What is a JBSP Mortgage?A Joint Borrower Sole Proprietor (JBSP) mortgage allows a family member, usually a parent, to ...
17/06/2026

🏡 What is a JBSP Mortgage?

A Joint Borrower Sole Proprietor (JBSP) mortgage allows a family member, usually a parent, to support a mortgage application by using their income alongside the applicant's income

The key difference? The applicant owns 100% of the property, while the supporting family member helps strengthen affordability without being named on the title deeds

✅ How can a JBSP help?

• Increase borrowing potential – Combining incomes can help buyers qualify for a larger mortgage than they could achieve alone

• Get onto the property ladder sooner – Ideal for first-time buyers who have a deposit but are struggling to meet affordability requirements

• Maintain ownership control – The buyer remains the sole legal owner of the property, while still benefiting from family support

A JBSP mortgage isn't suitable for everyone, but for the right circumstances it can be an effective way to overcome affordability challenges and achieve home ownership sooner

If you're wondering whether a JBSP mortgage could work for you or a family member, feel free to get in touch for a no-obligation chat

📞 07894 564159
📧 [email protected]

Your home may be repossessed if you do not keep up repayments on your mortgage

👇 This is a brilliant option if you have substantial equity sitting in your property, wish to move and want to grow a BT...
16/06/2026

👇 This is a brilliant option if you have substantial equity sitting in your property, wish to move and want to grow a BTL business on the back of it.

I have recently carried out one and when done right they can be seamless.

A lot of people think they must sell their home, move then maybe look at buying a second home to rent out but you don't have to.

Let - To - Buy is the ideal solution if you have equity, want to move yet want to aquire more property

Get in touch for a conversation around the mechanics.

✉️ [email protected]
📱 07894564159

Remember your home may be repossessed if you do not keep up repayments on your mortgage

Thank you for the recommendation ❤️ Get in touch if you want to work with a broker that puts you first 🏆
14/06/2026

Thank you for the recommendation ❤️

Get in touch if you want to work with a broker that puts you first 🏆

This week I went to a property networking event of which several interesting topics were discussed and none more than th...
13/06/2026

This week I went to a property networking event of which several interesting topics were discussed and none more than the importance of checking the title deeds when considering buying a property.

Don't always take what an estate agent (remember they work for the seller not you the buyer) says as gospel or what the seller says to be true. Be cautious, be inquisitive.

You can jump on the Land Registry and buy the titles for the property you are interested in and confirm exactly what title it has but crucially make sure it doesn't have any other potential issues such as;

💡Easements (Rights over land) - These are rights someone else has over the property, or rights the property enjoys over neighbouring land

Examples:

✅ Shared driveway access
✅ Rights of way
✅ Drainage rights
✅ Access for utility companies

💡 Restricted Covenants - These are basically restrictions applied to what you can do in and around the property

Examples:

✅ No extensions without consent
✅ No business use
✅ No commercial vehicles on the drive way

There are many other potential pitfalls also (too many to list). But the top tip is this;

💡 When looking to buy a property spend £7 checking all this out before getting too far into it. Yes legals will find all this out but would you prefer to pay £7 or potential hundreds to a solicitors?

Any advice on mortgage and protection please reach out;

✉️ [email protected]
📱 07894564159

Remember your home may be repossessed if you do not keep up repayments on your mortgage

Being ex NHS and still on the HCPC register I know a bit more than most about how professionals are paid. Good thing abo...
12/06/2026

Being ex NHS and still on the HCPC register I know a bit more than most about how professionals are paid.

Good thing about being an NHS worker when looking at mortgages;

✅ Lenders / Banks etc love NHS workers. Why? Stability, Professionals, Back end benefits, they perceive you as potentially lower risk than other professions

✅ Borrowing power, some of the lenders have specific products tailored just for you which have enhanced multiples (how much you can borrow) and some preferential rates

An interesting one is (Shift Allowance) Vs (Overtime)..... A lot of lenders only take a percentage of your overtime (example 60% of the overtime declared). Yet some lenders will take 100% of Shift Allowance! 🏆

Key is, knowing which lenders to target and approach. I do 😀.

If you are looking for a new mortgage, house moving or remortgaging and you are an NHS worker feel free to reach out for a chat.

📱 07894564159
✉️ [email protected]

Remember your home may be repossessed if you do not keep up repayments on your mortgage

So then you are busting your backside off trying to save for a deposit (which is very hard in the current climate) and y...
11/06/2026

So then you are busting your backside off trying to save for a deposit (which is very hard in the current climate) and you can only manage around £5000.

Well there are options. One particular lender will allow a £5000 deposit and give you nearly 4.5 X income (one person can be a first time buyer and the other person not).

They even allow employed, sole traders, LTD company directors, foreign nationals etc.

Free Valuations, Free Product Fees and Cash Back Incentives.

If you are in this position reach out and let's have a discovery chat about your circumstances

✉️ [email protected]
📱 07894564159

Remember your home may be repossessed if you don't Keep up repayments on your mortgage.

Is your mortgage deal ending soon? Or are you within 6 months of it ending? If so now is the right time to have a chat w...
10/06/2026

Is your mortgage deal ending soon? Or are you within 6 months of it ending?

If so now is the right time to have a chat with me about your options, what you wish to achieve and how we can best work towards that outcome.

DM me for an informal chat now or contact me on

✉️ [email protected]
📱 07804564159

Remember your home may be repossessed if you don't keep up repayments on your mortgage.

Thinking about buying your first home, moving home, or reviewing your mortgage?With access to a wide range of lenders an...
09/06/2026

Thinking about buying your first home, moving home, or reviewing your mortgage?

With access to a wide range of lenders and tailored mortgage solutions, I can help you find the right deal for your circumstances while making the process as straightforward as possible.

Whether you're a first-time buyer, home mover, remortgaging, or looking to protect your family and home with the right insurance, I'm here to guide you every step of the way.

📧 [email protected]
📞 07894 564159

Get in touch today for a no-obligation chat.

Your home may be repossessed if you do not keep up repayments on your mortgage.

✅ Thinking about your next Buy-to-Let purchase?Before jumping in, make sure the numbers stack up, understand all the cos...
08/06/2026

✅ Thinking about your next Buy-to-Let purchase?

Before jumping in, make sure the numbers stack up, understand all the costs involved, choose the right finance, research the location properly, and always think long-term

A good investment isn't just about buying the property it's about buying the right property

If you're looking at a new BTL deal and want a second opinion, feel free to get in touch

📞 07894 564159 📧 [email protected]

Remember to think carefully before securing finance on your home / property as your home / property could be repossessed if you do not keep up repayments on your mortgage

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Bromley Cross

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