JML Financial Associates Ltd

JML Financial Associates Ltd In need of independent mortgage advice 🏡 We have access to hundreds of deals, explained jargon free!

Book an appointment below:

[email protected]/bookings/" rel="ugc" target="_blank">https://outlook.office365.com/owa/calendar/[email protected]/bookings/ Independent Mortgage & Protection Advisers who offer professional, friendly, unabiased whole of market independent mortgage and protection advice. We specialise in:
Mortgages
Remortgages
Life protection
Income Protection
Critical Illness Cover
Equity release Mortgages
IHT planning

If you’re a First-Time Buyer, a gifted deposit could help you step onto the property ladder sooner. 🤩Some lenders are no...
30/08/2026

If you’re a First-Time Buyer, a gifted deposit could help you step onto the property ladder sooner. 🤩

Some lenders are now expanding who can provide this support – it doesn't just have to be from the bank of mum and dad!

This new flexibility means friends or extended family can also help. Remember, the donor will still need to confirm it’s a gift, not a repayment in writing. 🔑

Every lender has different eligibility criteria.

Our team is here to help you understand the ins and outs of your specific mortgage agreement so you can be certain about the mortgage moves you make! 💪

Let's chat about your options. 📲

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

27/08/2026

Sometimes you have to put an Oscar-worthy performance, don't you? 😂

25/08/2026

A mortgage broker does more than find you a mortgage. 🏡

From chasing the lender for updates to keeping your solicitor and estate agent in the loop, we help keep everything moving behind the scenes.

Because when you're buying a home, there are plenty of moving parts. Having someone in your corner can make the whole process feel a lot simpler.

Less chasing. Less stress. More support.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

You've worked hard to build the life you have. Shouldn't you protect it too? 🛡️We understand the dedication it takes to ...
24/08/2026

You've worked hard to build the life you have. Shouldn't you protect it too? 🛡️

We understand the dedication it takes to create the life you love. Now, let's make sure it stays that way.

Protection isn't just for today. It's about the people you care about most.

Life insurance provides a financial safety net, helping to cover the mortgage, bills, and other commitments for your loved ones.

This ensures your family can focus on what truly matters, without financial worries.

And what about the unexpected? Income protection replaces a portion of your salary if you're unable to work due to illness or injury. It’s a crucial layer of security.

Your life evolves, so your protection should too. We can help review your cover as your circumstances change.

Let us help you find the protection that makes sense for the life you've built.

Book a chat with us today. ☎️

A recent report states that 23 000 families are predicted to move home on the 28th of August 🏡If you're hoping to join t...
23/08/2026

A recent report states that 23 000 families are predicted to move home on the 28th of August 🏡

If you're hoping to join the next wave of home movers, preparing before speaking to an estate agent is a smart step.

This is how we can help before you speak to an estate agent:

We'll help you understand the equity in your current home, giving you a clear idea of what you can spend on your new property.

Then, we'll chat through any changes to your finances, looking at your income, outgoings and credit. These might affect the next mortgage you could get.

Finally, we’ll see if porting your existing mortgage is an option, potentially saving you from early repayment charges. It's all about making your move smoother. ✅

Speak to us today. 📞

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

Being a first-time buyer comes with tons of questions, and it's easy to feel lost and confused! 😕Luckily, we know just h...
18/08/2026

Being a first-time buyer comes with tons of questions, and it's easy to feel lost and confused! 😕

Luckily, we know just how to read the map of the mortgage world and won't let you be led astray on your mortgage journey. 🗺️

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

You may be able to secure a better rate and potentially borrow more when buying a new build home! 🤩Many people don't rea...
17/08/2026

You may be able to secure a better rate and potentially borrow more when buying a new build home! 🤩

Many people don't realise that specialist new-build mortgages, sometimes called green mortgages, could offer you more benefits.

Lenders recognise that new homes are generally more energy efficient, which means lower monthly bills for you. 🏡

This can even be factored into how much you can borrow compared to standard mortgages.

Our team knows which lenders offer these suitable options and we do all the research to find them.

We can help you understand how a green mortgage could mean a bigger new build for you, and as a bonus, a smaller carbon footprint too. 🌱

Let's chat about your options. 📲

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

If your situation isn't standard and any of these describe you, it may be time to look beyond the highstreet: 🟢 Being se...
16/08/2026

If your situation isn't standard and any of these describe you, it may be time to look beyond the highstreet:

🟢 Being self-employed with just one year of accounts,
🟢 Having less-than-spotless credit,
🟢 Complex income (contractor, commission, overtime),
🟢 Eyeing a unique property like a mixed use space

You may feel like traditonal routes won't work for you and that's where we enter.

Our team knows specialist lenders who understand these circumstances.

We do all the research to find suitable options, getting it sorted for you. 🙌

Let's chat about your options. 📱

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

13/08/2026

If it were up to us, we'd have a standardised home goods budget as part of every mortgage! 😉

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

You've already got a mortgage, so when you're moving house,you're sorted for the next one, aren't you? 🤔Not quite!Even a...
10/08/2026

You've already got a mortgage, so when you're moving house,
you're sorted for the next one, aren't you? 🤔

Not quite!

Even as an existing homeowner, you'll still need an Agreement in Principle (AIP) when viewing properties.

It shows sellers you're a serious buyer and can afford their home. 💪🏻

An AIP is essentially a provisional agreement from a lender,
saying how much they might lend you. It gives you a clear budget before you start searching. 🏡

Our team is here to help with this essential step.
We do the sums, research suitable options and handle the application for you.

You don't have to lift a finger!

Let's chat about your options. 📱

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up mortgage repayments.

Address

St Andrews Gardens. Cobham
Cobham
KT111HG

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+441932865500

Website

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