J Finance Ltd

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J Finance Ltd 🏡Clear & transparent mortgage advice. 🔑 Brought to you by the experts. ☎️

J Finance Ltd is a Berkshire based Mortgage, Equity Release and Insurance Advisory firm able to assist clients all over the UK.

05/11/2026

Rate Rise Explained! We discuss the Bank of England’s quarter percent base rate increase, explaining its impact on fixed, tracker, and in-flight mortgage applications, and note that many lenders are already adjusting rates.

04/11/2026

What separates a great adviser from the rest?!

01/11/2026

One of the biggest mortgage mistakes at this time of year…

15/10/2026

Tracker vs Fixed Rate Mortgages: Weighing the Risks and Benefits
We discuss how tracker mortgages currently offer lower rates around 4.2% compared to fixes above 5%, but carry the risk of fluctuating with the Bank of England base rate. We highlight features like no overpayment limits and no early redemption charges, but caution that not all trackers have these. Ultimately, we advise viewers to consider their comfort with risk versus the security of a fixed rate.

A busy week at J Finance, and a warm welcome to Steph, who has joined our client relationship team.We helped first-time ...
09/10/2026

A busy week at J Finance, and a warm welcome to Steph, who has joined our client relationship team.

We helped first-time buyers living here on visas understand their options and find a way to borrow what they need for their first home. Two more first-time buyers had their Agreements in Principle accepted, and another couple planning a sabbatical found a lender comfortable with their plans.

We also helped a client prepare for a higher rate at remortgage, arranged income protection to help cover the bills if someone can’t work through illness or injury, and set up private medical insurance for people moving back to the UK.

Everyone’s situation is different. If you’d like to talk yours through, get in touch.

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

09/10/2026

What Actually Is Good Mortgage Advice? We talk about what good mortgage advice really means—it’s not just about the best rate or cheapest lender, but about a broker who challenges you, considers your plans, and recommends what works for your long-term goals, not just taking orders. We share how we do this at J Finance.

06/10/2026

Understanding Variable Income for Mortgages.

We talk about how lenders handle variable income like bonuses, commissions, and overtime, explaining that criteria vary from requiring two years of annual bonuses to averaging the last three months. We emphasize that for an accurate mortgage capacity assessment, viewers should have a conversation with us instead of relying on online calculators or their bank.

03/10/2026

What a week can look like at J Finance.

Helping a client in his eighties top up his pension income by releasing money from his home a bit at a time.

Exploring options for a client in his nineties who wants to downsize without waiting on a chain.

Helping a buyer reach the home they need by adding their mum to the mortgage.

Helping someone moving abroad let out their home, and an overseas landlord fund repairs for their tenant.

Plus purchases and lots of familiar faces coming back to review their mortgage. We get in touch around six months before your rate ends, so there's no last-minute rush.

Everyone's situation is different. If you'd like to talk yours through, get in touch.

Please Note: Your home may be repossessed if you do not keep up repayments on your mortgage. Equity release may involve a lifetime mortgage which is secured against your property. It will reduce the value of your estate and may affect your entitlement to means-tested benefits.

02/10/2026

September Recap: Over 100 Applications and lots of 5-Star Reviews at J Finance
We talk about how busy September was at J Finance, with over 100 mortgage applications submitted and maintaining our five-star Google rating from over 600 reviews. We discuss helping clients remortgage in a tough economic climate, where rates are shifting from low ones and twos to fives, and how we provide advice on term extensions, consolidation, or adjusting payments. We encourage anyone with a mortgage ending in the next six months to lock in a rate with us, and invite those looking to purchase, invest, or get insurance to seek our advice.

02/10/2026

Exploring Additional Borrowing Options Mid-Mortgage Term
We talk about how you don’t have to wait until the end of your fixed or tracker rate to consider additional borrowing. We discuss options like further borrowing during the term at today’s interest rates, second charge borrowing secured on the property, and unsecured options like credit cards and personal loans. We invite viewers to come and have a chat if they need extra borrowing mid-term.

Address

6A London Road
Newbury
RG141JX

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+441635521300

Website

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