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James Young & Associates Ltd

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James Young & Associates Ltd

We are an independent, family run, mortgage brokers serving Essex and Greater London advising on Mortgages and all associated Insurances.

After working together for the best part of ten years, father and daughter, James and Megan started James Young & Associates in April 2016. We work from our purpose built office in Hornchurch, Essex and welcome appointments both here and at your home. We offer a full advice service on Mortgages and all associated Insurances.

03/11/2026

🤷 “Can’t I just find a mortgage myself?”

You can.

But arranging a mortgage isn’t only about finding a rate online.

A mortgage adviser can help you:

🔍 Understand how much you may be able to borrow
🏦 Identify lenders whose criteria may fit your circumstances
📊 Compare suitable mortgage options available to them
📝 Help with the application process
☎️ Liaise with lenders
❓ Explain the jargon
🏡 Support you through the mortgage journey

For many people, buying or moving home is one of the biggest financial commitments they’ll make.

Having someone in your corner can make navigating the mortgage process feel a lot less daunting.

👉 Follow for more straightforward mortgage tips, myth-busting and home-buying advice — or get in touch if you’d like to discuss your own mortgage plans.

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

29/10/2026

🤔 Stay with your lender or switch?

When your current mortgage deal ends, you may have more than one option.
You might be able to:

🔄 Switch to a new deal with your existing lender — often called a product transfer

OR

🏦 Remortgage to a different lender.

Which route is appropriate will depend on your circumstances, the products available, eligibility and the costs involved.

Rather than automatically clicking “switch deal”, it can be worth understanding how the available options compare.

Want help working through it? Send me a message.

You may have to pay an early repayment charge to your existing lender if you remortgage.
Your home may be repossessed if you do not keep up repayments on your mortgage.

28/10/2026

📈 Moving to a bigger home? Don’t assume you can simply increase your current mortgage.

If you’re moving and need to borrow more, your lender will usually reassess affordability.

That can mean looking at things like:

💷 Your current income
💳 Existing commitments
👨‍👩‍👧 Dependants
📊 Monthly expenditure
🏡 The amount of equity in your current home
📈 How much additional borrowing you need

Your circumstances — and lender criteria — may have changed since you took out your current mortgage.

Planning a move? Reviewing the mortgage side early could make the process much smoother.

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

27/10/2026

💷 Saved your deposit? Brilliant. But don’t forget about everything else.

One mistake first-time buyers can make is putting every penny they’ve saved towards the deposit.

Buying a home can come with additional costs, which may include:

🏠 Solicitor/conveyancing fees
🔍 Surveys
📦 Moving costs
🏦 Mortgage-related fees
🛡️ Insurance
🪑 Furniture and decorating
💷 Stamp Duty, where applicable

Planning for these expenses early can help avoid an unwelcome surprise later.

📌 Save this for when you start planning your first home purchase.

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

22/10/2026

❌ MORTGAGE MYTH: “My credit history isn’t perfect, so I definitely can’t get a mortgage.”

A less-than-perfect credit history doesn’t necessarily mean homeownership is off the table.

Lenders assess applications differently, and what may be unacceptable to one lender could potentially fit another lender’s criteria.

What matters can include:

✔️ What happened
✔️ How long ago it happened
✔️ The amount involved
✔️ Your circumstances now
✔️ The lender’s individual criteria
The key? Don’t guess.

Speak to a mortgage adviser and find out what your options may actually be.

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

22/10/2026

Nothing says autumn like pumpkins and a Fortnum’s hamper 🎃🤎 Thank you for such a lovely thank you gift!

21/10/2026

❤️ You’ve found THE house.

The kitchen is perfect.
The garden is perfect.
You’re already deciding where the sofa will go.

There’s just one problem…

You haven’t checked whether the mortgage works yet.

Before making an offer, understanding your borrowing position can help you move forward with more confidence.
If you’re planning to move, speak to a mortgage adviser early — ideally before you find the property you want.

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

20/10/2026

💡 Your mortgage might be the same. Your life probably isn’t.

Think back to when you arranged your current mortgage.

Has anything changed?
New job?
Higher income?
New baby?
Different monthly outgoings?
Home improvements planned?
Thinking about moving?

When your current mortgage deal is approaching its end, it can be a useful opportunity to review whether it still fits your circumstances and plans.

Your next mortgage decision shouldn’t just be about what worked several years ago.

📩 If your deal is coming to an end, let’s review your options.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

15/10/2026

🤔 AIP. DIP. Agreement in Principle. Decision in Principle.

Mortgage terminology can sound far more complicated than it needs to!

An Agreement in Principle is essentially an indication from a lender of how much they may be prepared to lend, based on the information provided and their initial checks.

It’s not a mortgage offer or a guarantee that your application will be approved.
But having one can give you a clearer idea of your potential budget before you start making offers on properties.

🏡 First-time buyer and confused by the jargon? That’s exactly what mortgage advice is there for.

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

14/10/2026

👀 Found a lower mortgage rate? Don’t stop comparing there.

The lowest headline rate doesn’t automatically mean the lowest overall cost.

When comparing mortgage options, there may also be:

💷 Arrangement or product fees
🏠 Valuation costs
⚖️ Legal costs
📊 Different repayment amounts
⏳ Different deal periods
💰 Early repayment charges

Some products may include incentives such as free valuations or legal work too.

The important thing is to look at the overall deal, not one number.

Need help comparing your options? Get in touch.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

Address

28 Whitethorn Gardens
Hornchurch
RM112AL

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm

Website

http://www.jyoungassociates.net/

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