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Gemma Bedford Just Mortgages

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Gemma Bedford Just Mortgages

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Approved by The Openwork Partnership on 21/10/2026
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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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

16/10/2026

Consolidating unsecured debts into a mortgage may appear to simplify monthly outgoings, but it can carry additional risks and costs. Speak to me to understand the potential implications before making a decision.

15/10/2026

Could a few changes make your home work better for you in the years ahead? 🏡
From accessibility improvements to creating more practical living spaces, adapting the home may help some people remain comfortable in familiar surroundings for longer.
Speak to an Adviser if you would like to explore your options.

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

15/10/2026

It’s early and the password frustration has already kicked in

14/10/2026

Changes in your property value or mortgage balance could affect your loan-to-value position. 🏠 This is one of the factors lenders may use when assessing remortgage options. Get in touch for a review.

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

13/10/2026

Later life financial decisions can sometimes have an impact on the people closest to you.
Talking openly with family or beneficiaries can help everyone understand your priorities, plans and the potential longer-term implications of the choices you are considering.
An Adviser can help you explore the wider picture before making any decisions.

12/10/2026

A new kitchen, extension or home office can be exciting, but it is important to understand how funding the work could affect your mortgage. 🔨 Contact me to explore the options and potential long-term costs.

09/10/2026

✈️🎰 VEGAS BABY! 🇺🇸🍸

Not long now until I’m swapping my laptop for cocktails, sunshine and a little bit of Vegas madness! 🍹☀️

And for once, the laptop is staying at home! 🙌😂

So, for anyone who’s been to Las Vegas, I need your recommendations!

🍸 Best happy hours?
🍔 Favourite places to eat?
🎰 Must-see sights and experiences?
💃 Hidden gems we shouldn’t miss?

We’re staying on the Strip and want to make the most of our time there!

Hit me with your suggestions! 👇❤️

09/10/2026

Rosey is not impressed with the new printer

09/10/2026

When a fixed or introductory deal ends, your mortgage may move onto the lender’s standard variable rate. ⏰ Contact me ahead of your end date to review what other options may be available.

08/10/2026

As temperatures begin to fall, thoughts often turn to keeping the home warm, comfortable and efficient through the colder months. 🍂
If improvements to your property are on your mind, it may be worth exploring the different ways they could potentially be funded.
Speak to an Adviser to understand the options available to you.

Address

-
Barnsley
S704DW

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 6pm

Telephone

+447529213697

Website

https://www.justmortgages.co.uk/broker-finder/gemma-bedford/

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