J Savage Financial

29/04/2026

Well the figures are counted for 25-26 and what a year!
Another year at just over £100 million in lending is truly INSANE and we couldn’t do it without YOU!
Our clients, new and old, people who refer and recommend us and professional services who use us for their clients, we are sooo grateful and appreciate you all so much!

Thank you ❤️

20/04/2026

A 3 bed house Shared Ownership for £150,000 in Nansledan
3 bedrooms
UPVC
Large Garden
Parking space
Great condition throughout

This would need a minimum deposit of 5% (£7,500)
Over a 35 year term this would be £779 pm on a mortgage of £142,500
• Full Market Value: £375,000
• 40% Share: £150,000
• Rent: £487.62/month
• Service Charge: £57.90/month

To pass mortgage lending for that mortgage there would need to be a HOUSEHOLD income of around £34,000 (assuming no credit such as loans, car finance etc or dependants) which can be made up of the following:
Salary
Pension
DWP
self employed income
UC
Child benefit
Maintenance (court approved or not)
Working on the basis of two people in employment at £12.71ph you would need to work 26 hours per week to afford it* or earn £17,000 PA each)*

Or you could have one person working full time and the other on benefits, carers, pension etc to meet that figure.
We sadly cannot affect house prices (we wish we could) nor do we set interest rates but the above may help someone earning that who has been told owning a home is out of reach when in fact it could be a possibility like it has for hundreds of our local clients.

*As always the above is an example and not a stone cast guarantee as credit profile and outgoings/debts can have an effect.
Drop us a DM if you'd like an individual personal quote or to arrange a viewing

08/04/2026

When buying a home sadly money trails do need to be provided. Money in and sometimes money out must be accounted for and explained.
It's to check the money in is legitimate and the money out isn't an ongoing expense, we know it can be painful but it's to make sure everything is legit, which is a good thing.
When thinking about buying a home just make sure all big deposits you have an explanation for and can provide statements or an audit trail and it will all be ok.

01/04/2026

🎉🚀£104,977,639🚀🎉

That’s our lending figure for the end of year and what a number!

Helping hundreds of people buy or refinance properties, be it their first home, their next home or an investment property and we couldn’t do it without YOU.
The people who have used us from the start, the people who have found us along our journey and the people who recommend our services to others and refer clients to us.

Thank you so so so much, we truly love what we do and we hope it shows.

We love you all ❤️

26/02/2026

A massive hello and welcome to our newest broker:

Claire Pilling

After spending a great few years working in the corporate world for a major high street bank she took the leap to go self employed and we are proud to say she’s decided to come under the JSF umbrella, setting up Finance and Legacy Solutions with business partner Sam Sutherland.

With years (being careful not to imply she’s too old😆 ) of experience in finance and customer service behind her she will be a great asset to any client she helps with all things property, insurance and legacy.

Claire can help with all aspects of mortgages, insurance and legacy planning so if you’d like to get in touch you can contact her on the following:

[email protected]

07773 777383

14/01/2026

Why using a mortgage broker can be worth their weight in gold.

This client had complex income amongst some other obstacles in their way.

Countless hours spent researching lenders suitable for the income, situation and subject property and we eventually found a lender to take the case. It didn’t stop there, we had a few weeks of back and forth, explaining to the underwriters why they should accept the case and fighting to get it through for the client and today, after long hours, late nights and a lot of negotiations we recieved the offer for the client!

What a result! It’s moments like this which fully reinforce why using a broker pays dividends and really can make or break you purchasing a property.

If you’d like to make your property dreams a reality drop us a DM ❤️

31/12/2025

🎉Cheers to 2025: here’s to 2026🎉

As we finish our final working day of 2025 we thought we’d share our year with you in numbers.

2025 has been amazing in so many ways and as always it’s THANKS TO YOU, to all our clients new and old and to people who recommend us, you are absolute superstars and we couldn't do it without you!!!

The end of a year is a time to look back and be proud of what YOU have achieved and on fond memories you've made, we have definitely made a few ❤️

Here's to an amazing 2026 whatever your goals, go smash them 👊

❤️236,000 views on one TikTok video
❤️£103,375,879 in new lending
❤️£23,476 biggest saving for a Remortgage client
❤️£4,736 biggest monthly mortgage payment
❤️4,593 office biscuits eaten
❤️3,672 in meeting coffee's
❤2,345 laughs (probably more)
❤️£2,100 raised for charity
❤️964 toys donated to those in need
❤️468 hours spent working Mondays
❤️353 reheated lunches
❤379 new client homes purchased
❤️174 first time buyers getting keys
❤️21 days 'off' (away from the desk)
❤️10 hour (average) working day
❤️7.8 hours daily phone usage
❤5 radio interviews
❤️3.6% lowest interest rate seen
❤️3 times poo’d on by a bird
❤1 Company award won
❤️1 hangover

27/12/2025

A few years ago we broke through the £100 million lending figure and what an achievement it was! Well now we have managed to hit £100,000,000 of lending in ONE YEAR!
This is insane, and we couldn’t of done it without the devotion of the team and without the trust and support of our clients and all the people who recommend us and for that we are eternally grateful.
From the bottom of our hearts, we thank you, truly! Here’s to 2026 ❤️

23/12/2025