JLM Mortgage Network

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JLM Mortgage Network

JLM is a boutique mortgage and protection network solution, for successful and aspiring firms and sole traders. Registered company number 4701803.

Founded in 2002, JLM is one of the few remaining privately owned networks; this enables us to make decisions quickly, without layers of hierarchy, bureaucracy and never a hint of autocracy. The founders of the network are still prolific business writers and this helps to ensure that we remain broker-centric in our approach to regulation and oversight. Our focus has always been on quality outcomes

for our Appointed Representatives’ clients and quality business for our extensive panel of product providers. We are diligent in ensuring that new and existing firms demonstrate the very highest standards of advice and, in doing so, maintain our stellar reputation, which enables us to attract the very best of products. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. JLM Mortgage Network Limited Registered Office: 21a Churchyard, Hitchin, Hertfordshire SG5 1HP. Registered in England and Wales JLM Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority. FCA No. 300629. You can check this on the FCA’s Register by visiting the website https://register.fca.org.uk/ or by contacting the FCA on 0800 111 6768.

01/09/2026

Every year we create the opportunity for our members to nominate a charity to be a recipient of our group efforts.

For our team, there nominations are often personal.

We're delighted to support these wonderful charities this year:

💙 Children with Cancer UK
💙 Garden House Hospice Care
💙 MS-UK

Please show your support here - any donations are greatly appreciated: https://givewheel.com/fundraising/13797/jlm-network-and-charlie-puffin-group/

28/08/2026

Could interest-only mortgages help more first-time buyers onto the property ladder?

For some, potentially.

But JLM Network Director Sebastian Murphy warns they shouldn't become a shortcut around affordability.

In his latest article for The Intermediary, Sebastian looks at the FCA's proposals around interest-only lending and where greater flexibility could genuinely benefit borrowers.

For younger professionals with strong future earning potential, or those whose financial circumstances are expected to change, interest-only could provide a useful stepping stone.

But the longer-term outcome has to remain part of the conversation.

As Sebastian explains:
“Flexibility should not become an excuse to make the monthly payment look affordable today while giving insufficient thought to how the borrower repays the capital tomorrow.”

Interest-only may have a place for the right first-time buyer - but, as Sebastian argues, it needs to be a stepping stone with a credible destination.

🏡 Read the full article: https://theintermediary.co.uk/2026/08/interest-only-can-help-ftbs-but-it-cannot-become-an-affordability-shortcut/

27/08/2026

In his latest article for Financial Reporter, JLM Network Director Sebastian Murphy explores what the Government could do to support the housing market in the short term, while longer-term property tax reform is considered.

Sebastian argues that targeted Stamp Duty changes could help remove some of the barriers currently preventing people from moving, including:

• Increasing the threshold for first-time buyers
• Providing greater support for homeowners looking to downsize
• Encouraging more transactions across the wider housing market

As Sebastian writes:
"Stamp duty is fundamentally a tax on movement, and if the Government genuinely wants more transactions, greater housing mobility and a healthier distribution of the housing stock, then reducing some of those barriers should be an obvious place to start."

While major reform may take time, Sebastian argues the upcoming Budget still presents an opportunity to support market activity now - rather than putting the market on hold while a longer-term solution is developed.

🏡 Read the full article here: https://www.financialreporter.co.uk/blogs/burnham-has-ruled-out-property-tax-changes-in-the-short-term-but-the-budget-offers-a-huge-opportunity.html

26/08/2026

In his latest article for Mortgage Solutions, JLM Network Director Sebastian Murphy examines new FCA data showing non-advised mortgage sales increased from 2.6% in 2024 to 3.3% in 2025 - a rise of almost 27%.

Following the FCA's removal of the mortgage advice interaction trigger in July 2025, Sebastian asks whether this could be an early indication of a wider shift, and what that could mean for consumers.

As Sebastian writes: "Regulatory decisions have real-world consequences, and when someone’s home and potentially hundreds of thousands of pounds of borrowing are involved, we need to be absolutely certain those consequences have been properly considered."

The article explores why the value of advice goes far beyond intermediary market share, particularly for first-time buyers making one of the biggest financial commitments of their lives.

While it's too early to draw firm conclusions, the latest figures are certainly worth watching.

🏡 Read the full article here: https://www.mortgagesolutions.co.uk/better-business/business-skills/2026/08/24/a-small-rise-in-non-advised-mortgage-sales-could-have-much-bigger-consequences-murphy/

25/08/2026

💬 “People buy people.”

That’s one of the biggest lessons Danny has learned after more than 20 years in protection - and one of the reasons the JLM Protection proposition works so differently.

The protection gap across the industry remains one of the biggest challenges in financial services.

Millions of homeowners still have little or no protection in place, despite the very real risks around illness, loss of income and family financial security.

Yet many advisers still find protection conversations difficult.

Danny emphasises: “The best protection advisers are not salespeople - they’re educators.”

At JLM Network, protection isn’t about pushing products or chasing volume.

It’s about:

• Protecting lifestyles
• Supporting families
• Giving clients peace of mind
• Helping advisers build stronger long-term businesses

What makes the JLM Protection proposition different is the partnership approach.

Brokers remain fully involved and informed throughout the process through:

• Real time updates
• Tailored communication
• Direct calendar access to JLM Protection
• Coaching and Protection Clinics
• Objection handling support
• Compliance and sales guidance

JLM Protection work as an extension of the adviser’s business - not a separate sales function.

And the results speak for themselves.

One broker has doubled their conversion rate after partnering with the team and refining their process.

Because ultimately, protection works best when clients trust the conversation.

And clients rarely regret having protection when they need it.🏡

📲 01462 455 655 | 📩 [email protected]

20/08/2026

Most advisers spend years building a successful business.

But how many have a plan for what comes next?

At JLM Network, qualifying members can access a structured business succession and buy-out proposition designed to help realise the value they've worked so hard to create.

Whether retirement is around the corner or still years away, planning ahead can make all the difference.

Because your business should support your future - not just your present.

https://jlmnetwork.co.uk/

📲 01462 455 655
📩 [email protected]

18/08/2026

Protection remains one of the biggest opportunities for many advisers.

At JLM Network, members can confidently refer clients to our in-house Protection team, knowing they'll receive expert guidance and a service that reflects the standards of their own business.

Our team works closely with advisers throughout the process, providing transparent communication and regular updates every step of the way.

✅ Helping clients protect what matters most.
✅ Helping advisers offer more.

https://jlmnetwork.co.uk/

📲 01462 455 655
📩 [email protected]

13/08/2026

For many clients, a mortgage is just one piece of a much bigger financial picture.

🌱 Retirement planning.
🌱 Investments.
🌱 Pensions.
🌱 Long-term financial security.

Through JLM Wealth, advisers can refer clients to experienced specialists who take the time to understand their goals and build strategies around them.

As Callum Innes explains:

"JLM Wealth’s key strength is our position within the JLM Network. Most other firms would wash their hands of complex tax or mortgage areas, but we don’t; we can work together with the other areas of the network to solve clients’ issues and solve them fast. Other firms claim to offer “holistic planning”, but we truly do."

Helping clients plan for the future.

Helping advisers build relationships that last.

https://jlmnetwork.co.uk/

📲 01462 455 655
📩 [email protected]

11/08/2026

Your clients don't stop needing advice once their mortgage completes.

Many will go on to need:
• Protection
• Pension advice
• Wealth planning
• Wills and Probate support

At JLM Network, advisers benefit from being part of a larger financial services group, with access trusted in-house specialists who can support clients with these important conversations - while you remain at the centre of the relationship.

It's about creating a joined-up experience for clients without needing to become an expert in every area yourself.

Helping your clients access the right advice at the right time doesn't just improve outcomes, it strengthens relationships for years to come.

https://jlmnetwork.co.uk/

📲 01462 455 655
📩 [email protected]

06/08/2026

Every mortgage network can offer compliance, systems and lender access.

But the best networks help you build something bigger.

We believe joining a network should mean gaining a team that supports every aspect of your business.

At JLM Network, advisers benefit from being part of a larger financial services group, providing guidance across protection, wills, probate, pensions, investments and business planning.

Because we're not just here to help you write mortgages.

We're here to help you build a stronger business.

📲 01462 455 655
📩 [email protected]

Address

21a Churchyard
Hitchin
SG51HP

Website

https://jlmnetwork.co.uk/

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