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Tuesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Liz Pratt Just Mortgages

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Liz Pratt Just Mortgages

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At Just Mortgages we know that it's not just about mortgages: we offer a service dedicated to your needs and requirements.

Your journey should be one of simplicity, choice and expertise. I aim to provide the ultimate mortgage services experience by delivering the highest standards. As your Just Mortgages Adviser, I will assist you throughout the home buying, moving or remortgage process to ensure you receive the right guidance and advice. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR REPAYMENTS ON YOUR MORTGAGE.

31/10/2026

Happy Halloween from all of us at Just Mortgages! 🎃👻

Wishing you a spooktacular evening filled with treats! 🍬

29/10/2026

A headline mortgage rate may catch your attention, but there is more to consider before choosing a deal.

Arrangement fees, cashback and fee-free options can affect the overall cost, while deal length and early repayment charges may influence how well it fits your plans. 🧾📅

Taking a closer look at these details could help you choose a mortgage that better matches your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 20/10/2026

29/10/2026

The Budget often comes with lots of headlines, opinions and speculation.

We've pulled together some of the key announcements from today's Autumn Budget to help you stay informed.

If you're unsure how any of these changes could affect your plans, we're here to help.

Approved by The Openwork Partnership on 28.10.2026
Just 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.

28/10/2026

Could the Budget bring breathing space for families and fresh hope for first-time buyers?

John Phillips shares his reaction to the announcements and explains why mortgage advice matters when planning your next step.

Read John’s blog: https://tinyurl.com/yktt33wz

27/10/2026

The lowest mortgage rate does not always mean the lowest overall cost.

Fees, incentives, deal length and early repayment charges can all affect how mortgage options compare. 🔍🧾

Looking at the mortgage as a whole could help you make a more informed decision and find an option that suits your needs.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 20/10/2026

26/10/2026

What could the upcoming Budget mean for your finances?

John Phillips, CEO of Just Mortgages, shares what he hopes, and expects to see, from support for household budgets to greater financial confidence for mortgage borrowers.

Read John’s pre-Budget blog: https://tinyurl.com/5x59h9tm

23/10/2026

When your current mortgage deal ends, you could move onto your lender’s follow-on rate.

This may change the amount you pay each month, so it helps to understand what happens next before your deal expires. 🏡📋

Reviewing your mortgage early gives you time to compare what your existing lender offers with other available deals and explore what could suit your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 20/10/2026

21/10/2026

You may be able to review your mortgage options several months before your current deal ends.

Starting early gives you more time to compare deals, prepare your documents and check whether any early repayment charges apply. 🏡📅

Understanding your options in advance could help you plan your next steps around your circumstances and future plans.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 20/10/2026

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 06/10/2026

13/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd 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 06/10/2026

Address

Services Available In:
Essex
CO78FU

Opening Hours

Tuesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+447977522930

Website

https://www.justmortgages.co.uk/broker-finder/liz-pratt/?utm_source=organic_facebook&utm_medium=Yext&y_source=1_MzQ0NjYy

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