JCD Mortgage Solutions Limited

01/06/2026

🎉 A little heads up from me! 🎉

I’ll only be working Monday and Tuesday this week as my husband and I are celebrating our double 40th birthdays! 🥳🍾

If you’re thinking about arranging a mortgage appointment, please get in touch as soon as possible. Next week’s diary is already starting to fill up, so I’d recommend booking early to secure a slot.

Whether you’re a first-time buyer, moving home, remortgaging, or looking for advice, I’m here to help.

📲 07850 556423
📧 [email protected]

I look forward to hearing from you! 😊

Had to share the lovely cut outs that my Mother In Law done for us😂. Oh I was a miserable child 😂.

27/05/2026

Check out this months newsletter-

Home insurance warning: The summer risks that could leave homeowners facing a costly surprise - A practical look at the summer home insurance risks homeowners can easily overlook, from garden theft and accidental damage to fire hazards and emergency cover.

Selling your home this summer? Five things sellers need to know as buyers get more choice - An overview of the current summer housing market and the key steps sellers can take as buyers gain more choice.

Flight cancellation fears this summer: will travel insurance actually protect your holiday? - A clear look at how travel insurance works when flights are cancelled and what travellers should know before booking cover.

Is your mortgage deal ending this year or in early 2027? Why reviewing early could save you money - How early preparation can give homeowners more time to understand their choices before their current mortgage deal ends.

Britain's record-breaking May heatwave has sent families into gardens, parks and beaches, with barbecues lit, patio doors left open and garden furniture brought out for the summer.

26/05/2026

Up at 5:30am for a beach trip with the dogs this morning… and honestly, totally worth it 🐾🐾☀️

By 7am it was already getting far too warm for them, so I’m very glad we got there early — although there’s now a very real chance I’ll be asleep by 5pm 😂

Funny how weather like this gets people thinking about moving house too… whether it’s somewhere closer to the beach, out in the middle of nowhere for some peace and quiet or closer to family or friends🏡❤️

So if moving’s been on your mind, catch me while I still have tonnes of energy and let’s chat mortgages 🏡 📩

Jocelyn

📞 07850 556423

📧 [email protected]

22/05/2026

A recent client conversation genuinely surprised me.

Whilst reviewing their mortgage, we naturally discussed personal protection too. The client explained they already had an IFA who “looked after all of that”, so out of professional courtesy I encouraged them to speak with their existing adviser regarding recent changes in their circumstances.

The client believed they had:
✔️ Life Insurance
✔️ Critical Illness Cover
✔️ Income Protection

It turned out they only had Life & Critical Illness Cover in place.

I explained I could source quotes for Income Protection and redundancy cover, whilst also suggesting they review the suitability of their existing arrangements with their current adviser.

The feedback from the adviser was:• They “didn’t need” Income Protection despite having no employer sick pay• Redundancy cover “doesn’t exist anymore”- which it does!

What surprised me most was learning that Income Protection is apparently not something this adviser recommends, with the view that Critical Illness Cover is “better”.

After 16 years advising clients on protection, I find it difficult to understand how any adviser could completely overlook Income Protection.

Because the reality is-
➡️ Life Cover protects your family if you die
➡️ Critical Illness Cover pays on diagnosis of specified illnesses
➡️ Income Protection protects your monthly income if illness or injury stops you working

These policies are designed to do different jobs — one is not a replacement for another.

For many working clients, especially those with little or no sick pay, Income Protection can be one of the most valuable covers available.

This is why personalised advice matters. Protection recommendations should be based on the client’s needs and circumstances — not simply on what an adviser prefers to arrange.

15/05/2026

Starting my day with an early walk down the beach 🌊☀️

Then it’s time for the outfit swap and straight into the office for a busy day helping clients with their mortgages and protection needs 🏡📞

Then it’s another weekend of kids’ football… and this one is extra special as my son gets to play at The Hawthorns ⚽️💙

Busy weekends, busy workdays… but I wouldn’t have it any other way 😊

If you’re thinking about moving home, remortgaging or reviewing your protection, feel free to get in touch for a free and confidential chat.

📞 07850 556423

📧 [email protected]

13/05/2026

Did you know, that there is a lender on my panel that offers mortgages up to 100% of the purchase price where you can rent a spare room and have the expected income count towards your mortgage affordability calculations? This is sometimes referred to as a lodger mortgage, or lodger income mortgage.

The extra income from renting out a room in your new house could provide the affordability calculations boost you need to get onto the property ladder. And you can earn up to a threshold of £7,500 a year, tax free, from letting out a furnished room in your home.

Get in touch for more information.

📞 07850 556423

📧 [email protected]

12/05/2026

🏡 FIRST TIME BUYERS 🏡

Big news for anyone struggling to save a large deposit 👀

A new £5k Deposit Mortgage is due to launch from 18 May 2026, helping more people get onto the property ladder with just a £5,000 deposit.

If you’re renting, living with family, or thought buying a home was still years away — this could be worth looking into 👇

✅ Lower deposit needed
✅ Opportunity to get on the ladder sooner
✅ Ideal for many first-time buyers
✅ Guidance available throughout the process

As always, criteria and affordability checks will apply, and it’s important to understand all the options available before making any decisions.

If you’d like to see whether this could work for you, feel free to get in touch for a free, confidential chat 📩

📞 07850 556423
🏢 JCD Mortgage Solutions Limited

Your home may be repossessed if you do not keep up repayments on your mortgage.

10/05/2026

Such a proud Mum weekend ❤️❤️ both boys won their cups and both came runners up in the league❤️❤️🏆🏆.