DJB Mortgages

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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 17/12/2025. 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.

01/06/2026

Are you overpaying on your mortgage? If your fixed rate has ended and you haven't switched, you probably are.

Right now, a significant number of homeowners across Chichester and West Sussex are paying more for their mortgage than they need to — because their fixed-rate deal has ended and they've drifted onto their lender's Standard Variable Rate without realising the impact.

SVR rates — Standard Variable Rates — are set by your lender and tend to be considerably higher than competitive fixed or tracker deals in the open market. For many homeowners, this translates into hundreds of pounds extra every single month.

Here's how to check if this applies to you:

1️⃣ Log into your lender's app or find your mortgage paperwork

2️⃣ Look at your current interest rate — if it says SVR, variable, or revert rate, that's worth acting on

3️⃣ Compare that rate to other lenders' options

Even if you've been on your lender's SVR for some time, it's not too late. You can remortgage at any point and start making savings. For many homeowners in West Sussex, switching to a new fixed deal could free up a meaningful amount of money every month.

At DJB Mortgages in Chichester, we review your mortgage situation and compare a comprehensive range of products from across the market — so you can see exactly where you stand.

Wondering whether you're overpaying? It takes one quick call to find out. Call us on 01243 349259 or email [email protected] — we're always happy to take a look.

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 29/04/2026

30/05/2026

Getting your first mortgage in Chichester or West Sussex doesn't have to feel overwhelming — but preparation is everything.

Most first-time buyers don't realise how much they can do right now to put themselves in the strongest possible position before they ever speak to a lender.

Swipe through for the 5 steps every first-time buyer in the UK should take before they apply for a mortgage — and find out exactly where you stand.

Ready to take your first step onto the property ladder in West Sussex? Book a consultation via the link in our bio or email [email protected] — we'd love to help you get mortgage-ready.

📘 FIRST-TIME BUYER EBOOK —

Comment BUYER below, and we'll send you our guide covering everything you need to know about getting your first 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 29/04/2026

29/05/2026

Critical illness cover UK — why you need financial protection even if you don't have a mortgage.

1 in 2 people in the UK will be diagnosed with cancer at some point in their lifetime. It's a statistic that stops most people in their tracks — and yet the majority of people have no financial protection in place for if that moment came.

Critical illness cover is one of the most valuable and most misunderstood financial products available in the UK. And it is not just for people with a mortgage.

Here's what critical illness cover actually does:

✅ Pays out a tax-free lump sum if you're diagnosed with a serious condition such as cancer, heart attack, or stroke

✅ You choose exactly how to use the money — to cover bills, adapt your home, fund private treatment, or simply give yourself breathing space

✅ It is completely separate from any mortgage — it protects your financial stability regardless of whether you own or rent

✅ Can be taken out by anyone — employed, self-employed, or a stay-at-home parent

No one wants to think about the worst happening. But the peace of mind that comes from knowing your family won't face financial hardship on top of a health crisis is genuinely worth having.

At DJB Mortgages in Chichester, we can help you understand what protection cover could look like for your situation — without any pressure or complicated jargon.

Interested in understanding your options around critical illness cover or life insurance? We're happy to have an honest, no-pressure conversation. Email [email protected].

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 29/04/2026

*Statistic source: Cancer Research UK

27/05/2026

Moving home in West Sussex — everything you need to know about your mortgage when you move.

Whether you're upsizing, downsizing, or relocating within West Sussex, buying your next home comes with a set of mortgage questions that are quite different from when you bought your first.

Here are the key things home movers need to think about before they move:

🔑 Can you port your existing mortgage? Porting means taking your current mortgage deal with you to the new property. It's possible with many lenders — but you'll still need to re-apply, and it isn't always the most competitive option.

🔑 Do you need to borrow more? If your new home costs more than your current one, the additional borrowing is typically placed on a new deal with the same lender. A broker can help you work out the most cost-effective way to structure this.

🔑 Are you still within a fixed-rate period? Leaving a fixed-rate deal early may trigger an early repayment charge. We always check this before recommending anything.

🔑 Have your circumstances changed since your last mortgage? Lenders reassess your income and outgoings every time. A change in job, income, or commitments can affect what you're able to borrow.

Home movers in Chichester and across West Sussex often have more options than they realise. The key is getting the right advice early — ideally before you've made an offer on your next property.

Thinking about your next move? We'd love to help make the mortgage side of things as straightforward as possible. Drop us a message or book a call via the link in our bio.

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 29/04/2026

25/05/2026

Remortgage myth busted — you do not have to stay with your current mortgage lender when your deal ends.

If your fixed-rate mortgage deal is coming to an end, your existing lender will probably contact you with a renewal offer. And a lot of homeowners accept it — simply because it feels easier.

But staying with your current lender out of habit could cost you hundreds of pounds over the course of your next deal.

Here's the reality of remortgaging in the UK:
When your deal ends, you are completely free to switch to a different lender. A mortgage broker can compare a comprehensive range of products from across the market — including rates and terms you may not be able to access by going direct or searching comparison sites.

What you could be missing if you don't shop around:

✅ A lower interest rate with a different lender

✅ Better terms — such as more flexible overpayment allowances

✅ A deal that better suits your current financial circumstances

✅ Lower monthly payments, potentially freeing up cash each month

Yes, your existing lender's product transfer might occasionally be competitive. But you won't know that unless you compare — and comparing costs you nothing.

If your mortgage deal ends in the next 6 months, now is the time to review your options properly. Don't let inertia make a decision for you.

Want to know if you're genuinely getting the right remortgage deal? Let's find out. Call 01243 349259 or email [email protected] — we're always happy to compare.

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 29/04/2026

23/05/2026

How much deposit do you need for a first-time buyer mortgage in the UK? Here is the honest answer.

This is the question we get asked more than any other by first-time buyers in Chichester and across West Sussex — and the answer is more reassuring than most people expect.

You do not necessarily need a 10% deposit to buy your first home. Here is how it actually breaks down:

💰 5% deposit — Some lenders will accept as little as 5% of the property purchase price

💰 10% deposit — Opens up more lenders and typically better interest rates

So on a £250,000 property, a 5% deposit would be £12,500. A 10% deposit would be £25,000.

But your deposit isn't the only cost to budget for. First-time buyers also need to think about:

📋 Solicitor and conveyancing fees

📋 Survey costs

📋 Stamp duty — though many first-time buyers qualify for full or partial relief

📋 Removal and moving costs

The total picture can feel daunting, but knowing exactly what you need is the first step — and that's exactly what a mortgage broker can help you work out before you commit to anything.

At DJB Mortgages in Chichester, we help first-time buyers understand what they can realistically afford and which lenders are most likely to suit their situation.

Not sure how much you'd need or what you could borrow? Let's work it out together — no obligation, no jargon. Book a consultation via the link in our bio.

📘 FIRST-TIME BUYER EBOOK

Everything you need to know about buying your first home — deposits, costs, the mortgage process, and more — in one guide.

Comment BUYER below and we'll send it straight to you.

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 29/04/2026

22/05/2026

Income protection insurance in the UK — why you need it even if you don't have a mortgage.

Most people think income protection insurance is only relevant if you have a mortgage to protect. That's one of the most costly myths in personal finance.

Whether you rent, own your home outright, or are still paying off a mortgage — if you rely on your income to cover your monthly bills, income protection is worth serious consideration.
Here's what income protection actually does:

✅ Pays you a regular monthly income if illness or injury stops you from working

✅ Can pay out for months or years — in some cases right up to retirement age

✅ Covers a wide range of conditions including long-term illness, injury, and mental health

✅ Is entirely separate from any mortgage — it protects you, not just a property

The UK's Statutory Sick Pay is currently just £123.25 per week. For most people in West Sussex, that wouldn't come close to covering rent or a mortgage, let alone all the other bills that keep coming in.

Income protection insurance gives you and your family a financial safety net — so that if the worst happens, you can focus on recovering rather than worrying about money.

The younger and healthier you are when you take it out, the more affordable it tends to be. So this is genuinely not something to put off.

Want to understand what income protection could look like for you? We can walk you through your options in plain English. Call 01243 349259 or email [email protected].

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 29/04/2026

20/05/2026

First-time buyer mortgage help in Chichester — you don't need to have found a property to start your mortgage journey.

One of the most common mistakes first-time buyers across West Sussex make is waiting until they've found a property before speaking to a mortgage broker. By then, the pressure is already on — and you could miss out.

Getting an Agreement in Principle (AIP) first is one of the smartest moves you can make as a first-time buyer. Here's why it matters so much:

✅ Estate agents take you more seriously — you're a buyer, not a browser

✅ You have a clear, confirmed budget before you start viewing homes

✅ You can move faster when you find the right property

✅ It's free to get, and typically uses a soft credit search that won't affect your credit score

Many first-time buyers in Chichester and across West Sussex lose out on properties because other buyers are further along in the mortgage process. An AIP puts you on equal footing — or ahead.

The first-time buyer mortgage process doesn't have to be overwhelming. At DJB Mortgages, we walk you through every step in plain English so you know exactly where you stand before you start viewing.

If you're hoping to buy your first home in the next 3 months, now is the right time to start.

Ready to take your first step onto the property ladder? Book a consultation via the link in our bio, or email [email protected] — we'd love to help.

📘 FREE FIRST-TIME BUYER EBOOK

We've put together a guide covering everything you need to know about buying your first home in the UK — from deposit to keys.

Comment BUYER below and we'll send it straight to you.

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 29/04/2026

18/05/2026

If your fixed-rate mortgage deal ends in the next 6 months, here is exactly what to do.

Thousands of homeowners are currently sitting on expiring fixed-rate mortgage deals — and many of them don't realise that doing nothing will cost them money.

When your fixed rate ends, your lender automatically moves you onto their Standard Variable Rate (SVR). SVR rates are typically much higher than the fixed deal you've been on, which means your monthly payments can jump significantly — without any warning.

The good news is you can secure a new mortgage deal up to 6 months before your current one ends. That means you can lock in a rate now, protect your household budget, and switch smoothly without any gap.

Here's what to do right now if your deal ends in the next 6 months:

✅ Find your mortgage end date — check your paperwork or your lender's app

✅ Look up your lender's current SVR — this is what you'll move onto if you do nothing

✅ Speak to a mortgage broker

✅ Start getting your documents ready — payslips, bank statements, photo ID

You do not need to wait until the last minute. Acting early gives you more choice and far less stress.

At DJB Mortgages in Chichester, we help homeowners across West Sussex review their remortgage options every day — and it costs nothing to have that first conversation.

If your fixed-rate deal is ending soon and you'd like to know what your options look like, we'd love to help. Email [email protected] or call 01243 349259 — no jargon, no pressure.

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 29/04/2026

16/05/2026

If the thought of remortgaging feels overwhelming — this one's for you. 💙

We get it. Mortgages can feel like one of those things that are too complicated to look into, so it's easier to just... leave it.

But the truth is, the remortgage process doesn't have to be stressful or confusing — especially when you have someone in your corner who handles it all for you.

Here's what working with DJB Mortgages actually looks like:

☕ It starts with a relaxed conversation — no forms, no pressure.

🔍 We do the research — as a trustworthy mortgage broker, we compare a comprehensive range of products from across the market and come back to you with a clear recommendation in plain English.

📋 We handle the application — we manage everything with the lender so you don't have to chase anyone.

✅ The peace of mind that comes with knowing your mortgage is sorted.

If your mortgage deal is ending in the next 6 months — or even the next year — now really is a great time to have that first conversation.
We're based in Chichester and we'd love to hear from you.

[email protected] | 01243 349259

Book a fee free consultation via the link in our bio. 😊

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 10/04/2026

Address

Chichester
PO191BJ

Opening Hours

9am - 5pm

Website

https://lhub.to/DJBMortgages

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