MJS Mortgage Consultants Limited

05/03/2026

Beautiful 🥳

03/02/2026

We’re thrilled to announce that MJS Mortgage Consultants have been nominated to be included in VouchedFor’s Top Rated Advice Firms of 2026! The Guide’s mission is to champion transparency and trust in financial advice by helping consumers find advisers who deliver excellent experiences, and by helping firms evidence, improve, and celebrate the quality of their advice.

VouchedFor’s guide will be published in both The Times (in March 2026) and The Telegraph (in June 2026).

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31/10/2023

Proud to say we were just awarded our 100th 5* star google review. A massive thank you to all clients who have gone the extra mile to write a complimentary review

20/12/2022

Instead of our usual Christmas card, this year we made the decision to donate to our local Foodbank. This is a message from their CEO:

This is David Logan here, CEO at Vineyard Community and Richmond Foodbank.

I wanted to simply get in touch again to say thank you to you for your generous and difference-making financial support to our work in 2022, particularly throughout the last few months when our services have been more needed than we’ve ever seen before.

Your support has helped us at a time when, as you know, the need and vulnerability of people has sharply risen in our area and across the borough and where we have adapted and redeveloped our services once again to meet the demand.

As well as it being a difficult time for local people it is also a challenging time for us as we have understandably seen a significant drop in individual and community financial donations due to how the crisis is impacting on people’s circumstances. This makes your support all the more empowering, impacting and appreciated.

In the last 12 months, through our daily crisis services we have helped 64 people experiencing homelessness move into accommodation, given daily crisis drop-in support to 418 people experiencing complex crisis, provided emergency food for 5,959 people (local families and individuals) experiencing food poverty, and provided aid for 677 local Ukrainian refugees and their hosts as we helped coordinate a borough-wide collaboration with other local community groups.

Here is a short story of a woman who visited us for help last week that sums up the new need we have been meeting and supporting people through along with our 2022 Christmas Appeal, which we would really appreciate you sharing with anyone you think might be willing to support us with timely and vital financial help in the same way that you so generously have.

Vineyard Community & Christmas Foodbank Christmas Appeal 2022
https://www.justgiving.com/page/vineyardcommunity

Sarah’s Story

‘Last year I donated to foodbank. This year me and my kids need foodbank. Not being able to do Santa this year hurts but having food to put on the table makes me so happy!’ – Sarah

Sarah’s place of work closed early in 2022 and left her without a job. Since then, her benefits have covered less and less of the costs for her and her five children as all of her bills, food costs, and rent have increased over the year, leaving her in desperate need this Christmas time as a result of the cost-of-living crisis. Sarah was feeling low and anxious about needing to visit us in her emergency and ask for free food but left our new cost-of-living crisis response services feeling she’d been warmly welcomed and well looked after, with a spring in her step and some packed grocery bags to take home to her children! The idea is that when you visit us here at Vineyard Community & Richmond Foodbank, you leave with your circumstances changed and with the spark of hope in your heart!’

Thank you from everyone here at Vineyard Community and Richmond Foodbank for making it possible for us to continue to bring light, hope, and change to local families and individuals in their darkest hours.

30/09/2022

Please do not panic when you read some of the headlines.
We have contacted the BBC today to complain that this headline is factually incorrect.

BBC Question Time: 'My mortgage offer went to 10.4% after mini-budget

Dear BBC,

I am contacting you regarding the headline above. I can see from the clip that you are quoting your audience member, but she is factually incorrect. It is headlines like this that are causing panic, distress and worry.

Your audience member cannot have had 4 Offers, as a Mortgage Offer is legally binding, so her rate would have been secure. She will have had four illustrations from her lender or Mortgage Broker, for her to review BEFORE an application is processed.

There are NO mainstream lenders who are offering anywhere near 10.4-10.5%. The rates on Offer currently are around the 4-5% mark as of today.

You are scaring a lot of borrowers, and causing huge amounts of phone calls and emails to Mortgage brokers, who are already seriously over stretched and working ridiculous hours to try and help their clients.

I suggest you take this down, or balance your article.

27/09/2022

Please bear with us, due to circumstances out of our control, and the level of enquiries we have been receiving our response times are slower than we would usually like. All messages will be reviewed and responded to within 24 hours.

We are having to run appointment only calls for Michael & Kate. If you would like to make an appointment to speak to either then please contact Lisa on [email protected] or Kelly on [email protected]. Thank you

09/09/2022

24/06/2022

All lenders are taking longer to review applications due to increased demand. We will contact you when we have an update. Thank you for your patience 👍

18/05/2022

Love it when Barclays refresh their funds at midnight so we all have to stay up to book funds for clients. 😩😡

12/05/2022

Thanks to a couple of very busy months, and following a pledge to donate £50 from every completion for April & May we have been able to donate a total of £1100 to the Disasters and Emergency Committee Ukranian Fund.

09/02/2022

On Thursday 3 February 2022, the Bank of England increased the base rate from 0.25% to 0.50%. This is the second increase in the base rate since December.

What is the base rate and why does this matter?

The base rate, set by the Bank of England’s Monetary Policy Committee, is the main driver of rates on mortgages and savings products in the UK. Changes in the base rate are usually likely to impact the cost of mortgages and return on savings. Generally, a higher base rate means banks and building societies are likely to increase the cost of mortgages, whilst savers can expect a slightly higher rate of interest on their savings. However, this isn’t always necessarily the case.

Why is base rate increasing?

Base rate is increasing as a response to rising inflation. The Consumer Price Index (a measure of the costs of goods and services) hit 5.4% in January, well above the Bank of England target of 2%. By increasing the cost of borrowing, the Bank of England hope to reduce rising inflation.

What does it mean for my existing mortgage?

Four out of five mortgages in the UK are currently fixed rates. This means that borrowers will not see an immediate increase in the cost of their mortgage.

For borrowers on a variable rate mortgage, including a ‘Standard Variable Rate’ mortgage, rates are
likely to rise, though this depends on the type of variable rate mortgage you have.

For those on a tracker mortgage, which directly follow the Bank of England base rate, your rate is likely to increase by 0.25% immediately and payments go up from next month.

For those on a discounted rate, or Standard Variable Rate mortgage, your lender may decide to pass all, some, or none of the increase in rates on to you, but will write to you before your payments increase.


What does it mean for mortgage rates?

For the 80% of UK borrowers on a fixed rate, this rate change will not yet impact your monthly payment. For those approaching the end of their existing mortgage deal, looking to purchase a property with new mortgage, or already on a Standard Variable Rate, it is likely that rates will increase. However, this rate rise has been well forecast in advance of the increase on Thursday and many lenders had already factored the increase in costs into new mortgage deals on sale. Some lenders will however withdraw mortgage rates and launch new products with higher rates.

However, despite the two recent increases, the base rate remains below the pre-pandemic level of 0.75% and mortgage rates in general are low compared to historic levels.

What does it mean for my mortgage offer?

Those customers with existing mortgage offers will not see rates increase for as long as the mortgage offer remains valid.

What should I do?

In any event, the best course of action is to seek advice. Your mortgage advisor can help you with understanding how the increase in base rate might impact you, explore your options for remortgaging or switching rates, and give you help to access support if you think you may encounter difficulties in paying your mortgage.