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Approved by The Openwork Partnership on 5/08/2026 ADV 27493

31/10/2026

Happy Halloween from all of us at Just Mortgages! 🎃👻

Wishing you a spooktacular evening filled with treats! 🍬

29/10/2026

A headline mortgage rate may catch your attention, but there is more to consider before choosing a deal.

Arrangement fees, cashback and fee-free options can affect the overall cost, while deal length and early repayment charges may influence how well it fits your plans. 🧾📅

Taking a closer look at these details could help you choose a mortgage that better matches your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

29/10/2026

The Budget often comes with lots of headlines, opinions and speculation.

We've pulled together some of the key announcements from today's Autumn Budget to help you stay informed.

If you're unsure how any of these changes could affect your plans, we're here to help.

Approved by The Openwork Partnership on 28.10.2026
Just Mortgages is a trading name of Just Mortgages Direct Limited, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

28/10/2026

Could the Budget bring breathing space for families and fresh hope for first-time buyers?

John Phillips shares his reaction to the announcements and explains why mortgage advice matters when planning your next step.

Read John’s blog: https://tinyurl.com/yktt33wz

27/10/2026

The lowest mortgage rate does not always mean the lowest overall cost.

Fees, incentives, deal length and early repayment charges can all affect how mortgage options compare. 🔍🧾

Looking at the mortgage as a whole could help you make a more informed decision and find an option that suits your needs.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

26/10/2026

What could the upcoming Budget mean for your finances?

John Phillips, CEO of Just Mortgages, shares what he hopes, and expects to see, from support for household budgets to greater financial confidence for mortgage borrowers.

Read John’s pre-Budget blog: https://tinyurl.com/5x59h9tm

23/10/2026

When your current mortgage deal ends, you could move onto your lender’s follow-on rate.

This may change the amount you pay each month, so it helps to understand what happens next before your deal expires. 🏡📋

Reviewing your mortgage early gives you time to compare what your existing lender offers with other available deals and explore what could suit your circumstances.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

21/10/2026

You may be able to review your mortgage options several months before your current deal ends.

Starting early gives you more time to compare deals, prepare your documents and check whether any early repayment charges apply. 🏡📅

Understanding your options in advance could help you plan your next steps around your circumstances and future plans.

Read our new blog to find out more: https://tinyurl.com/2n6m7df9

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 20/10/2026

15/10/2026

Your credit score is only one part of your mortgage application.

Lenders may also consider your income, deposit, existing debts, regular spending and overall affordability when assessing your circumstances. 🏡📊

Looking beyond the headline number could help you understand your position. A mortgage adviser can explain how these factors may affect your options.

Read our blog to find out more about credit checks and preparing for a mortgage: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

13/10/2026

A lower credit score does not automatically mean a mortgage is out of reach.

If you have missed payments in the past, lenders may consider what happened, how long ago it occurred, the amount involved and your wider circumstances. 📋🏡

Each lender has its own criteria. Speaking openly with a mortgage adviser could help you understand which options may be suitable for your situation.

Read our blog to explore how credit history can affect a mortgage application: https://tinyurl.com/mr33bzc6

Just Mortgages is a trading name of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 06/10/2026

07/08/2026

Nothing means more than hearing it from our clients. Sally made a stressful remortgage feel simple, keeping communication clear and finding a great rate along the way.

This is exactly the kind of service we aim to deliver for every client. Ready for the same experience? Get in touch today.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 23/7/26

05/08/2026

Don't get caught out by your Standard Variable Rate. If your fixed deal is ending in the next few months, now's the time to start comparing rates, switching early could save you hundreds.

Get in touch today to review your options.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 21/7/26

03/08/2026

At auction, speed wins and preparation protects you. Once the hammer falls, you are legally committed, and you typically only have 28 days to complete.

Bridging finance can help you move fast, but you need your numbers, your legal pack and your exit strategy sorted before you bid, not after.

Get in touch today to get prepared before auction day.

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Some bridging finance is not regulated by the Financial Conduct Authority

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership 23/7/26
Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

31/07/2026

Thank you for the kind words — this is exactly why we do what we do.

If you're somewhere in the mortgage process — first-time buyer, remortgaging, moving, buy-to-let — we'd love to help. Fee free initial chat, no obligation.

🔗 yourmortgageapproved.co.uk

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Most buy to let mortgages are not regulated by The Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 22/07/2026

22/07/2026

Good news if your fixed deal is winding down. Several big lenders trimmed their fixed rates in early June as swap rates eased.

Does that mean you should fix now, or hold out for more? Honestly, it depends on your situation, and that's a conversation worth having before your current deal rolls onto the SVR.

Initial free chat, no obligation. yourmortgageapproved.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 15/7/26

20/07/2026

Good news if your fixed deal is winding down: several big lenders trimmed their fixed rates in early June as swap rates eased.

Does that mean you should fix now, or hold out for more? Honestly, it depends on your situation, and that's a conversation worth having before your current deal rolls onto the SVR.

Free chat, no obligation. yourmortgageapproved.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 24/6/26

17/07/2026

Putting faces to the name 👋

Behind every mortgage is a real team, here from your first chat right through to completion. One of us gets to know your situation and finds the right deal; the other manages your case and chases the paperwork so you don't have to.

Come and say hello. 🔗 yourmortgageapproved.co.uk

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 18/6/26

13/07/2026

The Renters' Rights Act came into force on 1 May, and it's a big one for landlords. Section 21 "no-fault" evictions are gone, and all tenancies are now periodic.

New rules change the numbers, so it's a smart moment to look at how your portfolio is structured, what your lenders now expect, and whether refinancing makes sense.

Let's talk about your portfolio. 🔗 yourmortgageapproved.co.uk

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Some bridging finance and most buy to let mortgages are not regulated by the Financial Conduct Authority.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 17/6/26

03/07/2026

Self-employed and worried a mortgage is off the table? It isn't.

Most lenders want to see 2–3 years of accounts, but some will consider just one. The trick is matching you to the lender that works with how your income actually looks, which is exactly what a broker does.

Tell us how you earn and we'll tell you what's realistic. Free chat, no obligation.

🔗 yourmortgageapproved.co.uk

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 17/6/26

01/07/2026

The Bank of England held the base rate at 3.75% on 18 June 2026.

The vote was 7-2 to hold. Two members pushed for a rise to 4%. Inflation is sitting at 2.8%, above the 2% target, which is keeping the MPC cautious about cutting.

For anyone on a tracker mortgage, no change to your payments this month.

For anyone with a fixed rate ending soon, the uncertainty is a reason to act, not wait. You can lock in a rate up to 6 months ahead. The next decision is 30 July.

If you want to talk it through before then, we're here.

yourmortgageapproved.co.uk

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Your Mortgage Approved is a trade name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership 25/6/26

Address

14 Southend Road
Woodford Green
IG88HD

Opening Hours

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

Telephone

+442033756677

Website

https://yourmortgageapproved.co.uk/

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