Jigsaw Money Management Ltd

Jigsaw Money Management Ltd We are a local family run business giving Independent, whole of market mortgage and protection advise based in Epping and surrounding areas,

Mark has been in Financial Services for over 25 years, starting his Career as an IFA (independent Financial Adviser) with Friends Provident.

10 years ago based in Epping, Jigsaw Money was created with a clear vision to offer additional enhanced services to existing and new clients. Mark strives for perfect customer service. He specialises in all kinds of mortgages and protection from First Time Buyers to Limited Company Mortgages.

📉 Is this the start of a wider mortgage rate war?The rate cuts keep coming.After reductions from Halifax, Lloyds, Covent...
02/06/2026

📉 Is this the start of a wider mortgage rate war?

The rate cuts keep coming.

After reductions from Halifax, Lloyds, Coventry, Kensington and Gen H yesterday, today it's the turn of HSBC, Moda Mortgages, Leeds Building Society and Molo to announce lower rates.

For landlords and borrowers, this is another sign that competition among lenders is heating up:

✅ HSBC is cutting rates across residential and buy-to-let products.
✅ Moda Mortgages has reduced selected buy-to-let rates by 20bps.
✅ Molo has cut buy-to-let rates by up to 10bps.
✅ Leeds Building Society has lowered selected fixed rates for residential borrowers.

With more lenders repricing and swap rates remaining relatively stable, many are asking the same question:

How low could mortgage rates go over the next few months?

If you're a broker, landlord, investor or homeowner, what are you seeing in the market right now? Are clients waiting for further reductions or locking in deals while they're available?

👇 Share your thoughts in the comments.

“Commercial finance is only for massive companies.”One of the biggest myths in commercial finance 👀A lot of people assum...
01/06/2026

“Commercial finance is only for massive companies.”

One of the biggest myths in commercial finance 👀

A lot of people assume commercial lending is only for:
🏢 huge corporations
💼 big developers
💰 multi-million pound businesses

But plenty of everyday business owners use commercial finance too.

Things like:
✅ buying premises
✅ expanding operations
✅ purchasing equipment
✅ improving cash flow
✅ property investment
✅ bridging finance

Commercial finance isn’t just about the size of the business.

It’s about finding funding solutions that support growth and opportunity.

And honestly?

Many business owners wait too long before exploring their options because they assume they’re “not big enough.”

“I've been declined once, there’s no point trying again.”Definitely not true 👀A decline doesn’t always mean:“you can’t g...
31/05/2026

“I've been declined once, there’s no point trying again.”

Definitely not true 👀

A decline doesn’t always mean:
“you can’t get a mortgage.”

Sometimes it simply means:
❌ wrong lender
❌ wrong timing
❌ criteria mismatch
❌ documentation issues

Different lenders assess cases differently. This is why getting proper advice matters — especially after a decline.

Because making another application without understanding what went wrong can sometimes make things harder.

A good adviser helps work out the why before rushing into the next step.

“You should wait until rates drop before speaking to a mortgage adviser.”A really common myth 👀A lot of people think the...
30/05/2026

“You should wait until rates drop before speaking to a mortgage adviser.”

A really common myth 👀

A lot of people think there’s no point getting advice until “the perfect time” arrives.

But speaking to an adviser early can actually help you:
✅ understand your budget
✅ improve affordability
✅ prepare documents properly
✅ fix issues before applying
✅ understand what lenders are looking for

The best time to get advice is usually before you urgently need a mortgage.

Because preparation makes a massive difference.

“I can just do it myself online.”You probably can 👀 But that’s a bit like saying you can cut your own hair.Sometimes it ...
29/05/2026

“I can just do it myself online.”

You probably can 👀 But that’s a bit like saying you can cut your own hair.

Sometimes it works out fine. Sometimes… not so much 😅

A mortgage broker isn’t just there to find a rate.

They help with:
✅ choosing the right lender
✅ understanding lender criteria
✅ spotting issues early
✅ structuring the application properly
✅ dealing with underwriters
✅ keeping everything moving

Because the mortgage itself is only one part of the process.

The real value is often in avoiding delays, stress, and costly mistakes before they happen. Especially when things become less straightforward halfway through.

Most clients don’t use a broker because they can’t do it alone. They use one because they want the process handled properly.

“You only need a mortgage adviser if your situation is complicated.”Big myth 👀A lot of people think mortgage advisers ar...
28/05/2026

“You only need a mortgage adviser if your situation is complicated.”

Big myth 👀

A lot of people think mortgage advisers are only for:
• self-employed applicants
• bad credit cases
• unusual income
• complex property purchases

But even “straightforward” cases can run into problems. Because getting a mortgage isn’t just about passing an affordability calculator anymore.

It’s also about:
✅ choosing the right lender
✅ understanding criteria properly
✅ avoiding delays
✅ knowing what documents will be needed
✅ spotting issues before they become problems

Sometimes the biggest delays come from the smallest details. and most people only discover that halfway through the process 😅

A good adviser isn’t just there for “difficult” cases. They’re there to make the process smoother, clearer, and far less stressful from start to finish.

“You must make loads from lender commission.” I hear this one a lot as a mortgage broker 👀Because people hear “The lende...
27/05/2026

“You must make loads from lender commission.” I hear this one a lot as a mortgage broker 👀

Because people hear “The lender pays you” and assume it means:
❌ huge commission
❌ easy money
❌ brokers recommending deals based on payouts

But honestly, the reality is much less exciting. Most of the time, the commission difference between lenders is pretty small.

A good broker doesn’t build a business by chasing commission. They build it by helping people properly and keeping clients happy long term.

Because yes — a bad recommendation might make money once…

…but trust and reputation matter far more.

Most brokers are focused on:
✅ getting your mortgage approved smoothly
✅ finding a lender that actually fits your situation
✅ avoiding issues later down the line
✅ making the whole process less stressful

And funnily enough…

The cases that take the most time and effort are often the ones that pay the least.

People usually see the final result. They don’t see the calls, the chasing, the paperwork, the back-and-forth, or the problem-solving happening behind the scenes.

A broker’s value isn’t just about finding a rate. It’s helping you navigate the whole journey.

Bank Holiday Monday + sunshine = the UK instantly forgetting every complaint it’s ever had about life ☀️😎Hope everyone’s...
25/05/2026

Bank Holiday Monday + sunshine = the UK instantly forgetting every complaint it’s ever had about life ☀️😎

Hope everyone’s making the most of the rare appearance from the sun! 🍻🏡

Some days it’s dream homes and happy calls…Other days it’s translating payslips like you’re cracking the Da Vinci Code 🤦...
24/05/2026

Some days it’s dream homes and happy calls…
Other days it’s translating payslips like you’re cracking the Da Vinci Code 🤦‍♂️📄☎️

The glamorous side of being a mortgage adviser nobody talks about 😅

23/05/2026

“Why would I pay for a mortgage broker?” 🤔

What you see:
✔️ Mortgage application submitted
✔️ Valuation done
✔️ Offer issued

What you don’t see:
☎️ Me spending 45 minutes on hold listening to the same 3 songs on repeat
📄 Explaining a payslip to a lender like it’s a GCSE English exam
📧 Chasing updates every 2 days because apparently “urgent” means “sometime before Christmas”

Half mortgage broker, half therapist, half professional chaser… yes, the maths does work 😅🏡

Address

12 St Albans Road
Epping
CM167RD

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+441992947500

Website

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