Michael Thomas Just Mortgages

03/09/2026

Michael was supportive thorughout the process. He explained all the stages of the process diligently. He was readily available and he was responsive by text, email or zoom depending on your preferred method of communication. I'm grateful for having been guided by him and his team during a stressful period.
Thank you Michael
Precious sept 2026

27/08/2026

💭 Myth: “I can’t get a mortgage because of my credit history.”

The truth is, having adverse credit doesn’t automatically mean you can’t get a mortgage. Your options may depend on the type of credit issue, how recent it was and whether the mortgage is affordable.

Getting advice early can help you understand what may be possible before you apply.

🔗 Click the link to find out more: https://tinyurl.com/yc3pwppa

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 24/08/2026.

25/08/2026

Buying With Adverse Credit?

🏡 Worried that adverse credit could stop you from buying a home?

Missed payments, defaults or other credit issues don’t always mean a mortgage is out of reach. Lenders may look at when the issue happened, whether it’s been resolved and your wider financial situation.

A Just Mortgages adviser can help you understand what options may be available based on your circumstances.

🔗 Read the full blog: https://tinyurl.com/yc3pwppa

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 24/08/2026.

20/08/2026

Michael has been nothing short of fantastic when it came to helping me arrange my mortgage. He made the process very smooth and easy and would always check in on me to make sure I was happy and understood everything. Would highly recommend his services ☺️ thank you
Pauline 20 aug

20/08/2026

🏠 Many buyers wait until they’ve found a property before speaking to a mortgage adviser.

But getting advice earlier could help you understand your options, prepare your documents and feel more confident when you start house hunting.

Preparation can make a big difference.

🔗 Read the full blog: https://tinyurl.com/2kdbjeyy

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 10/08/2026.

18/08/2026

The Great Wealth Transfer is already changing the conversations advisers are having with clients and their families.

With property making up a significant part of many people’s wealth, more families are considering how they can support the next generation.

Our CEO, John Phillips, shares his thoughts with The Intermediary on the role mortgage advisers can play in these conversations.

An insightful read 👇
https://theintermediary.co.uk/2026/08/the-great-wealth-transfer/

With £5.5tn set to pass between generations over the next two decades, mortgage brokers are about to find themselves a part of the action.

18/08/2026

Are you ready to Step on the property Ladder?
You may be thinking: I am ready to make the step but do I earn enough to get a mortgage?
Do you earn an income by being employed or self-employed?
Do you earn overtime, commission or a bonus?
Do you receive company benefits such as car allowance or London weighting?
Do you receive extra benefits such as child benefit?
Do you want to know if you can make the step?
Contact me for a no obligation chat.

18/08/2026

🔍 Your credit report can play an important role in a mortgage application.

Checking it before you apply could help you spot errors, update details and understand what lenders may see when reviewing your application.

Not sure where to start? Speaking to an adviser early can help.

🔗 Find out more: https://tinyurl.com/2kdbjeyy

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 10/08/2026.

13/08/2026

Could family or friends help you buy your first home?
Read our latest blog to find out more:

Could family or friends help you buy your first home? Discover how the Expand Your Circle mortgage can consider up to four incomes, with one property owner.

13/08/2026

🏡 Getting mortgage ready doesn’t have to feel overwhelming.

Understanding your budget, checking your credit report and getting your documents organised early could help you feel more confident before you apply.

A Just Mortgages adviser can help you understand what lenders may be looking for.

🔗 Read the full blog: https://tinyurl.com/2kdbjeyy

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 10/08/2026.

11/08/2026

✅ Thinking about applying for a mortgage?

Before you start the process, it can help to check your budget, review your credit report, organise your documents and understand your deposit.
A little preparation now could help make the journey feel smoother later.
🔗 Read our homebuyer checklist: https://tinyurl.com/2kdbjeyy
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 10/08/2026.

06/08/2026

✨ Self-employed mortgage applications can feel confusing, but you don’t have to work it all out alone.

From understanding what income counts to knowing which documents may be needed, getting advice early can help you feel more prepared before applying.

🔗 Read the blog: https://tinyurl.com/2svv4fxt

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 28/07/2026.

04/08/2026

Semi-exclusive to Just Mortgages

1 owner. Up to 3 supporters. Up to 4 incomes considered.

Family, friends or a partner could help you buy without going on the property deeds.

Up to 100% Loan To Value available on selected fixed-rate mortgages.

Expand your circle. Explore your options.

Find out more: https://tinyurl.com/3fm2m648

Subject to eligibility, affordability and lender criteria. Independent legal advice required. Your property 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 29/07/2026.

31/07/2026

Thinking about making plans for the future such as buying a property. Maybe you have a mortgage already. Whether you are employed or self-employed when you are ill or have an accident and your income stops your plans and dreams can soon become a burden. Protecting your income helps protect you and your family . Why not talk to me today on 07533725211 or email [email protected]

30/07/2026

28/07/2026

Entering the world of buy to let was made so less stressful by Michael. We did the whole process remotely and felt completely at ease via the numerous communications, online video, email ,text or phone. We received prompt responses to the many questions we asked, and Michael’s patience was exceptional. At no time did we feel any pressure to commit to a decision, and he supported right through the property purchase process. We have no hesitation in using Michael again and would most definitely recommend him to others.
Sarah 29/07/2026

12/07/2026

03/06/2026

Buying your first property can be daunting and may seem impossible but help is available. There are multiple schemes available to help First Time buyers get on the property ladder. This can include:
100% loan-to-value mortgage deals
Deals that require low deposits
Shared Ownership Scheme
Forces Help to Buy
Joint Ownership Sole proprietor that allows support from family members
If you are thinking about taking that first step why not have a chat with me!

05/05/2026

The Bank Of England Rate remains unchanged but Lenders are still very active. Over the last few weeks Lenders have been reducing rates so if you have a Fixed rate ending this year, looking to move this year or a First Time Buyer why not review your options now and avoid the unexpected.

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 05/05/2026