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India The Mortgage Adviser

Mortgage & Protection Adviser. CeMap Qualified.
10+ years of experience in the Industry.
5* rated on Trustpilot. JMS Financial Services. London, Essex, UK.

Utility Warehouse Partner. Mum of 2

08/06/2026

AVM’s (automated valuation models) are becoming very popular. They improve speed and reduce cost for the mortgage lender, but an AVM cannot physically inspect a property.

🏡The UK has one of the oldest and varied housing stocks in Europe. Victorian terraces, post war Estates, conversion flats built with mixed construction types, they all bring their own risks. Environment, exposure, energy performance modern materials and flood patterns all influence risk.

📋The value of instructing your own survey is becoming clearer. An independent survey gives you a professional insight into the actual condition of the property. Highlighting any defects and risks you cannot see.

💭An AVM helps a lender decide whether to lend, but a survey helps you decide whether to buy.

05/06/2026

Did you know you could save money on utility bills by shopping?! ✨

As a Utility Warehouse Partner, I help people find simple ways to reduce their monthly expenses through services including:

✅ Energy
✅ Broadband
✅ Mobile
✅ Cashback Card

The July Energy Price Cap is rising by over £200 - so now’s the perfect time to lock in a fixed tariff. If you are already locked in with your current provider, Utility Warehouse will pay £400 towards termination fees if you have taken out 3+ services.

Whether you’re looking to cut costs, simplify your bills, or even create an extra income stream, I’d be happy to show you how it works.

Drop me a message for a free, no-obligation chat and see how much you could save! 💙

03/06/2026

A transfer of equity is when ownership of a property changes — by adding or removing someone from the title — while at least one original owner stays in place. ♻️

Getting specialist advice early is important. ✅

Tax rules can be complex, and the timing and structure of a transfer can make a significant difference to the outcome.

If the property has a mortgage, the lender must assess the financial position of any new or existing owner. 📈

If you’re considering a transfer of equity, make sure you understand the full picture before taking the next step.

📩 [email protected]

01/06/2026

Happy Birthday to the love of my life ❤️‍🔥

Replies will be slow today, so bear with me 🧸

.pro

29/05/2026

Thinking about buying your first home but worried about the deposit? 🏡✨

With a 95% mortgage, you only need a 5% deposit to get on the property ladder🪜

Here’s an idea of what that could look like. Homeownership could be closer than you think. 💜

If you’d like to explore your options or see what you could borrow, send me a message today 📩

27/05/2026

With rising house prices, it’s never been harder to buy your home. Income boosters help solve this. 🔐

An income booster goes on your mortgage to help you afford more. Their income, including retirement income, is used to increase how much you can borrow – helping you buy bigger or sooner.

💥Income boosters go on the mortgage to boost what you could borrow.
💥Boosters are liable for the full mortgage if the owners stop paying.
💥To preserve a first-time buyer’s stamp duty status, an income booster is not on the property deeds.
💥We calculate if you’ll be able to afford the mortgage in the future. If you can, your booster can be removed with a remortgage.
💥Boosters can help contribute to monthly payments if they want.

💌[email protected]

25/05/2026

Happy Bank Holiday Monday ☀️

Thinking about buying, remortgaging, or just want to know your options? 🔐
Give me a call 🤙🏽 or drop me a WhatsApp — I’m always happy to chat mortgages.

Did you know? I’m also a Protection Advisor 🛟 and a Utility Warehouse Partner ⚡💡

One conversation could help you save money and protect what matters most 🧿

20/05/2026

Confused about leasehold, freehold, and commonhold? You’re not alone — here’s a simple breakdown 👇

🏡 Freehold
This is the most straightforward form of ownership. You own the property and the land it sits on, outright. No landlord, no ground rent, and full control (within planning laws). Most houses are freehold.

🏢 Leasehold
With leasehold, you own the property for a fixed period (often decades or centuries), but not the land — that belongs to the freeholder.
That means:

* You may pay ground rent
* You’ll likely pay service charges for maintenance
* You might need permission for certain changes

As the lease gets shorter, the property can lose value and become harder to sell or mortgage.

🏘️ Commonhold
This is newer and less common. You own your individual unit (like a flat) and share ownership of communal areas with other residents.
No lease expiry, no landlord — decisions are made collectively.

💡 Other things to know:

* Leaseholders often have the right to extend their lease or even buy the freehold (called enfranchisement)
* Service charges can vary massively — always check them carefully
* Mortgage lenders can be cautious with short leases (usually under 80 years)
* Commonhold is being talked about more as a fairer alternative, but uptake is still low

Got questions? Drop them below.

18/05/2026

🚨NEW £5k Halifax Deposit Mortgage. 🚨

🪜 Get on the property ladder with a mortgage deposit of only £5,000 from 18th May 2026.

💥Only one customer on a joint application has to be a First Time Buyer.

💥Property value between £102,000 and £300,000. New Builds not allowed.

💥£5,000 minimum personal deposit which cannot be gifted.

💥Employed and self-employed customers; no minimum income. Maximum 4.49x income.

💥5 year fixed rate product, with a £0 product fee available.

💥18 years or over.

💥The property will be your only residence.

💥Cannot be mixed with another scheme such as shared ownership etc.

💥Subject to application.

💭Things to think about

💭High loan-to-value ratio.
If you have a high loan-to-value ratio and the value of your property falls, you could owe more money on the mortgage than the property is worth. This is known as negative equity.

💭Monthly mortgage repayments may be higher if you have only paid a £5,000 deposit.
If you pay a larger deposit, you may get a lower interest rate.

Contact me to get started.

Address

London

Telephone

+447472911286

Website

https://www.jmsfinancialservices.co.uk/

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