James Young & Associates Ltd

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.

Buying, moving, or reviewing… every journey starts with clarity💬 The more you understand your options, the more confiden...
09/09/2026

Buying, moving, or reviewing… every journey starts with clarity

💬 The more you understand your options, the more confident you’ll feel

We’re here to explain things in a way that makes sense to you

So you can move forward with confidence 💙

📩 Get in touch to discuss your plans



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.

Have you checked if your current deal has any charges to leave early?💬 Some mortgages include early repayment chargesUnd...
08/09/2026

Have you checked if your current deal has any charges to leave early?

💬 Some mortgages include early repayment charges

Understanding this before making changes can help you plan more effectively

We can help you review your options clearly 📊

📩 Message us to review your current deal



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.

Selling your home and buying another at the same time?💬 Timing and planning can be keyUnderstanding how your mortgage fi...
03/09/2026

Selling your home and buying another at the same time?

💬 Timing and planning can be key

Understanding how your mortgage fits into that process can help everything run more smoothly

We’re here to support you through it 🤝

📩 Get in touch to plan your move



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.

What documents do you actually need to apply for a mortgage?💬 It’s a common question we hearThings like proof of income,...
02/09/2026

What documents do you actually need to apply for a mortgage?

💬 It’s a common question we hear

Things like proof of income, ID, and 3 months bank statements are required

Getting these ready early can help speed things up 📄

📩 Message us and we’ll guide you through it



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

If the unexpected happened tomorrow, would your mortgage still be covered?💬 Protection can help provide financial suppor...
01/09/2026

If the unexpected happened tomorrow, would your mortgage still be covered?

💬 Protection can help provide financial support during difficult times

It’s about helping you maintain stability when life feels uncertain

We’re here to help you understand your options 💛

📩 Get in touch to explore your options



As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances

Your mortgage deal might not suit you forever💬 What worked a few years ago may not reflect your current situationThat’s ...
27/08/2026

Your mortgage deal might not suit you forever

💬 What worked a few years ago may not reflect your current situation

That’s why reviewing your mortgage regularly can be so important

We’re here to help you stay on track 📊

📩 Message us to 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.

Have you factored in all the costs of moving home?💬 It’s not just the purchase priceThere can be additional costs to con...
26/08/2026

Have you factored in all the costs of moving home?

💬 It’s not just the purchase price

There can be additional costs to consider when planning your move

Understanding everything upfront can help avoid surprises later 📦

📩 Get in touch and we’ll talk you through it



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

Saving for a deposit feels like the biggest hurdle…💬 But many buyers are closer than they thinkUnderstanding how much yo...
25/08/2026

Saving for a deposit feels like the biggest hurdle…

💬 But many buyers are closer than they think

Understanding how much you might need and what lenders look for can help you plan your next steps

We’re here to break it down for you 🏡

📩 Message us to see where you stand



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

Do you know how much your home is worth right now?💬 Changes in property value can impact your mortgage optionsThis is es...
20/08/2026

Do you know how much your home is worth right now?

💬 Changes in property value can impact your mortgage options

This is especially important when reviewing or switching your deal

We can help you understand how it may affect you 📊

📩 Message us to review your position



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.

Life changes… has your protection kept up?💬 A new job, a new baby, a new homeAll of these can impact what level of prote...
19/08/2026

Life changes… has your protection kept up?

💬 A new job, a new baby, a new home

All of these can impact what level of protection may be suitable for you

Reviewing your cover can help ensure it still reflects your situation 💛

📩 Get in touch to review your cover



As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances

Address

28 Whitethorn Gardens
Hornchurch
RM112AL

Opening Hours

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

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