James Reynolds - Mortgage and Protection Adviser

James Reynolds - Mortgage and Protection Adviser James Reynolds over 30years assuring clients benefit from the right mortgages and Protection insurances.

Mortgage & Protection

If you are moving home, buying for the first time, looking to remortgage to reduce current mortgage costs, or buying a property to let - please get in contact today. Just Right Finance offer a wide range of services, so please get in touch. I have over 30 years experience in the industry and can offer free no obligation consultations at a time to suit you. You can get in tou

ch via email/WhatsApp/telephone call or via a Private Message through Facebook. Please note:
Your home may be repossessed if you do not keep up repayments on your mortgage.

12/02/2026

Buy to Let landlord was paying variable rates on 3 properties between 7 and 8% all trackers. I was able to move all 3 and save landlord between 30% and 40% on mortgage costs. If you are on a tracker you should review your mortgage. Contact me for a review anytime.

Don’t be scared to get in touch this Halloween season, explore your options: ✔️First time buyer?✔️Would you like to beco...
17/10/2024

Don’t be scared to get in touch this Halloween season, explore your options:

✔️First time buyer?
✔️Would you like to become a landlord with a Buy-To-Let?
✔️Hoping to remortgage?
✔️Not sure about mortgages, and need advice?
✔️Moving home?

If any of these apply, you can send me a private message on messenger to get started.

-James 🎃

30/05/2024

Is this the best time to move home?

This is something that people are worrying about and questioning more and more due to interest rates and the cost of living. Everyone has unique financial circumstances; working to a different budget, so I can work with you, to establish your budget and discuss your mortgage and protection requirements.

🗣️ We can discuss your options, whether it’s to get on to the property ladder or move home, we can create a plan for you to work towards to achieve what you want to.

-James

30/05/2024

R E M O R T G A G E 🏠

When you take out a new mortgage, you, generally, get an introductory deal. When it’s over, you’re usually moved onto the lender’s standard variable rate - typically higher than what you get elsewhere. So… you may want to consider a remortgage before the end of the fixed term. 🕘

Remortgaging at the end of the fixed term is usually straightforward. You’ll need to assess how much is available to borrow, depending on your income, monthly outgoings, any changes to your circumstances, and equity in your home.

That’s where I come in! 👋

So don’t hesitate to get in touch, it’s best to do this about 3 months before the fixed rate comes to an end.

-James

30/05/2024

Confused About Mortgage Interest Payment Plans? 🤔
Here's a guide to some of the mortgage payment variations:

➡️ Standard Variable Rate Mortgage : The rate of interest goes up and down in line with movements in the official rate set by the country’s central bank.

➡️ Tracker Mortgage : This is a variable rate mortgage where the interest rate is guaranteed to be a specified amount above an official rate and automatically adjusts when that rate changes.

➡️ Discounted Rate Mortgage : Variable rate mortgage which offers a discount to the standard variable rate for an initial period.

Fixed Rate Mortgage: With a fixed rate mortgage, you'll pay the same amount every month for the duration of your fixed rate term. This can be a big help with monthly budgeting as you won’t suddenly see your monthly repayments increase if interest rates rise.

✅ Different styles of rates can suit people depending on their financial situation.

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

If you're in need of mortgage advice or are looking to remortgage, please get in touch.

-James

15/05/2024

Explore Your Options.

✔️First time buyer?
✔️Would you like to become a landlord with a Buy-To-Let?
✔️Hoping to remortgage?
✔️Not sure about mortgages, and need advice?
✔️Moving home?

If any of these apply please send me a private message or email.

-James

04/05/2024

Give your finances a Spring Clean! 🧼🧹

➖Is your current deal coming to an end?
➖Are you looking to remortgage?
➖First time buyer?
➖Are you hoping to make some home improvements?
➖Are you hoping to purchase a property to become a landlord?
➖Need insurance?
➖Has your situation changed and you would like to discuss your options?
➖Feel like your situation is a bit "difficult" and you aren't sure if we can help?

Email your enquiries to me or send a message on messenger to see how I can assist you with your situation.

-James

04/05/2024

Remortgage?

Would you like to borrow more?

➖Perhaps your current lender has said no to lending you extra money or the terms it's offering aren't that great.

➖Remortgaging to a new lender might enable you to raise money on low rates. But please remember to take all the fees into account.

➖The new lender will ask you what the extra money is for. It is likely to be more comfortable with you borrowing the money for a new car than for business purposes.

➖The most commonly acceptable reasons are usually for home improvements or paying off other debts.

Get in touch with me via messenger or email to discuss your options.

-James

Address

11 Leaden Hall Street
London
EC3V1LP

Telephone

+447989341481

Website

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