DJB Mortgages

DJB Mortgages We help turn homeownership dreams into reality. 🏡 From first-time buyers to homemovers and remortgages, we're with you every step of the way.

Friendly, expert advice you can trust. Approved by The Openwork Partnership 07/07/2026. For most of us, buying a home is the most significant financial commitment we make in our lives. For this reason, we have always taken the best care of our clients and put their needs first. DJB Mortgages is a trading name of Just Mortgages Direct Limited, and DJB Mortgages is the name under which we carry out

these services. DJB Mortgages specialise in providing clients with a complete Mortgage and Protection advice and recommendation service for all residential and buy-to-let mortgages. To ensure the most appropriate mortgage advice services are always delivered, we maintain the most up-to-date knowledge of a complex and ever-changing mortgage market. Our passion does not stop there. We always want to ensure that our clients fully understand the risks of not insuring themselves against the worst-case scenarios. These events can contribute to clients losing their homes, investment properties or monthly incomes. We do everything we can to remove the stress and worries from every mortgage or protection application. DJB Mortgages a trading name of Just Mortgages Direct Limited, chose to work with Openwork to allow us to provide the most suitable advice and service to our clients. The Openwork Partnership is one of the UK’s largest Financial Advice networks, with over 4,500 advisers and in excess of 700 appointed representatives based throughout the UK; this allows us to access semi-exclusive and exclusive mortgage deals. DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on 30 January 2023.

Myth: self-employed buyers need a spotless credit history to be considered.Reality: lenders look at the full picture, no...
17/08/2026

Myth: self-employed buyers need a spotless credit history to be considered.

Reality: lenders look at the full picture, not a single number. A missed payment from years ago, a small amount of existing credit, or a thin credit file (common if you're newer to self-employment) doesn't automatically rule you out.

What matters more is the overall pattern — recent conduct, how you manage existing commitments, and whether your income supports the borrowing you're asking for. Different lenders weigh these things differently too, which is exactly why matching your situation to the right lender matters.

If you've been putting off even checking because you're worried your credit history will let you down, that assumption might be costing you more than the conversation ever would.

Follow for more plain-English mortgage advice for self-employed professionals.



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

DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/08/2026

On a short break this week... but the laptop still came with me!Can't fully switch off when there's a couple keen to get...
13/08/2026

On a short break this week... but the laptop still came with me!

Can't fully switch off when there's a couple keen to get out viewing properties. I've been sorting their Agreement in Principle (AIP) this morning — most estate agents ask for one before they'll book a viewing in, so a bit of desk time now means they can get straight on with their search.

Later this afternoon I've got a call booked in with another client. They found a property they'd love to buy, but the maximum borrowing figure they were given by another broker means they can't currently secure it. They emailed me yesterday for a second opinion, so we're having a chat this afternoon to see if there's any more flexibility out there for them.

Bit of work, bit of downtime, and very good company from this one 🐾

A self-employed app developer in Chichester came to me after his own bank turned him down — one year of trading history,...
10/08/2026

A self-employed app developer in Chichester came to me after his own bank turned him down — one year of trading history, strong and growing income, but a computer system that simply couldn't get past 'one year of accounts.'

We looked at his actual financial picture together: consistent monthly income, a healthy client pipeline, and clear evidence his business wasn't a fluke. From there, I identified lenders who assess newer self-employed businesses on their merits rather than a rigid years-trading rule.

We put together a well-prepared application with the full context his bank never asked for. Mortgage offer received — first home purchased in Chichester.

This is an illustrative example. Outcomes vary based on individual circumstances, but it's a reminder that one bank's no is rarely the market's final answer.

Drop a comment below if this sounds familiar — I am happy to point you in the right direction.



This is an illustrative example. Outcomes vary based on individual circumstances.

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

DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/08/2026

There's no universally 'right' length for a fixed rate — but there is a right question to ask yourself: how much certain...
07/08/2026

There's no universally 'right' length for a fixed rate — but there is a right question to ask yourself: how much certainty do you need, and for how long?

A shorter fix — typically two years — usually comes with more flexibility to review your position again soon, which can suit business owners expecting changes to their income or plans.

A longer fix — five years or more — often provides more payment certainty and can suit those who want to plan without revisiting the mortgage conversation for a while, though it may mean higher early repayment charges if your plans change.

For self-employed applicants, there's a further consideration: locking in now versus reassessing once you have another year of stronger accounts behind you. That's exactly the kind of trade-off worth talking through properly.

If you're looking to buy your first home, move or remortgage, DM me to book your initial free consultation.



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

DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/08/2026

One of the biggest sources of first-time buyer stress is not knowing what paperwork you’ll actually need. Here’s the hon...
05/08/2026

One of the biggest sources of first-time buyer stress is not knowing what paperwork you’ll actually need. Here’s the honest, no-surprises list for self-employed applicants:

✅ Two to three years of accounts or tax returns (sometimes less, depending on the lender)
✅ SA302s and tax year overviews from HMRC
✅ Recent business and personal bank statements
✅ Proof of ID and address
✅ Details of any existing credit commitments
✅ Evidence of your deposit source

You don’t need all of this before your first conversation with me — I’ll tell you exactly what applies to your situation once I understand how you’re set up. But having a rough idea in advance takes a lot of the fear out of getting started.

Save this post — you will want it when you are ready to start the conversation.



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

DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/08/2026

Going straight to your own bank feels like the obvious first step. For self-employed buyers, it’s often the slowest rout...
03/08/2026

Going straight to your own bank feels like the obvious first step. For self-employed buyers, it’s often the slowest route to a yes.

Your bank can only offer you their own products, assessed against their own — often narrow — view of self-employed income. If you don’t fit their box, that’s where the conversation ends, even if a different lender down the road would happily consider your application.

Working with a specialist means your income gets presented to lenders who are set up to understand it properly, using a comprehensive range of products from across the market rather than a single provider’s criteria.

It’s not about finding a shortcut. It’s about finding the lender who was actually going to say yes.

DM me your question — no jargon, no pressure, just honest advice.



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

DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 03/08/2026

If you're buying with a partner who's on a salary, don't assume your self-employed income will drag the whole applicatio...
31/07/2026

If you're buying with a partner who's on a salary, don't assume your self-employed income will drag the whole application down. In many cases, it's the opposite — a blend of employed and self-employed income can actually work in your favour.

Lenders will assess both incomes, using your partner's payslips in the standard way and your self-employed income through your accounts or tax returns. Together, that combined picture is what determines affordability — not just the more 'straightforward' half of the application.

The key is presenting both sides properly from the start, so the lender sees the full financial picture rather than treating your income as an afterthought.

Buying together shouldn't mean one of you feels like the complicated one.

Tag a self-employed friend who needs to see this.



Your home may be repossessed if you do not keep up repayments on your mortgage. DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 29/07/2026

Early repayment charges — ERCs — are worth understanding before you remortgage, not after.If you're still within your cu...
29/07/2026

Early repayment charges — ERCs — are worth understanding before you remortgage, not after.

If you're still within your current deal's fixed period and you switch early, you may face a charge, often a percentage of your outstanding balance. It doesn't mean you should never switch early — sometimes the savings from a new rate still outweigh the charge — but it does mean the sums need to be done properly.

If your deal is coming to a natural end, this is far less of a concern, since most ERCs stop applying once you're within the final months of your fixed term.

Either way, it's a five-minute check that can save you from an expensive surprise.

Book an initial free mortgage review at the link in my bio.



Your home may be repossessed if you do not keep up repayments on your mortgage. DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 29/07/2026

A business owner in came to me a few weeks before his fixed rate was due to end. He'd assumed his current lender would s...
27/07/2026

A business owner in came to me a few weeks before his fixed rate was due to end. He'd assumed his current lender would simply sort a new deal automatically — they don't, unless you ask.

We looked at his most recent accounts together, which showed a stronger year than his last application. That mattered, because it opened up options that weren't available to him previously.

Rather than accepting the first offer from his existing lender, we reviewed a comprehensive range of products from across the market and found a rate that better reflected his current financial position, along with a small amount of additional borrowing to cover a planned business investment.

He avoided even a single month on the Standard Variable Rate.

This is an illustrative example. Outcomes vary based on individual circumstances — but the lesson holds: don't assume your renewal will sort itself.

Save this post — you will want it when you are ready to start the conversation.



This is an illustrative example. Outcomes vary based on individual circumstances. Your home may be repossessed if you do not keep up repayments on your mortgage. DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 15/07/2027

If you work under the Construction Industry Scheme, you may have been told your income is 'too complicated' for a mortga...
24/07/2026

If you work under the Construction Industry Scheme, you may have been told your income is 'too complicated' for a mortgage. That's not the full picture.

CIS income is simply income with tax deducted at source before you're paid. Lenders who understand construction and trades work know how to read CIS payslips and tax returns properly — looking at your gross income, not just what lands in your bank account after deductions.

Some lenders will consider CIS income differently to standard self-employed income, and criteria vary by lender and individual circumstances, so it's worth having someone who knows this specific area look at your situation properly.

Being on the tools shouldn't mean being locked out of owning your own place.

Follow for more plain-English mortgage advice for self-employed professionals.



Your home may be repossessed if you do not keep up repayments on your mortgage. DJB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 15/07/2026

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PO191BJ

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