- 50 Avalon Road, Orpington BR6 9AY
- Email: Jatinder@Jandgfinancials.co.uk
J&G Financials Ltd is part of 2plan Wealth Management, one of the UK’s leading financial planning networks. Our team of financial advisers has over 50 years of combined experience in the financial industry, offering tailored advice to help you achieve your financial goals. We pride ourselves on delivering high-quality service while adhering to ethical standards and compliance regulations.
- 50 Avalon Road, Orpington BR6 9AY
- 07421 043300
- Jatinder@Jandgfinancials.co.uk
- https://Jandgfinancials.co.uk
At J&G Financials, we offer expert mortgage advice tailored to your unique needs. Whether you’re a first-time homebuyer, looking to remortgage, moving home, or exploring buy-to-let options, our experienced team is here to guide you through the entire process.
Residential Mortgages
Finding the right residential mortgage can be overwhelming, but our team is here to help you navigate the options, ensuring you secure the best deal for your circumstances. We take into account your budget, long-term goals, and the current market to offer a mortgage solution that works for you.
Your property may be repossessed if you do not keep up repayments on your mortgageBuy-to-Let Mortgages
Investing in property? J&G Financials can help you understand the best buy-to-let mortgage deals available. Whether you’re a new investor or expanding your property portfolio, our team will help you find competitive rates and guide you.
Some Buy to Let mortgages are not regulated by the Financial Conduct Authority.Remortgaging
Remortgaging can save you money or release equity from your home, and our advisors will help you make an informed decision. We’ll review your current mortgage and compare it to other offers available in the market to ensure you’re getting the best deal for your circumstances.
Your property may be repossessed if you do not keep up repayments on your mortgage.Moving Home
Moving home can be an exciting but stressful experience. Let J&G Financials take the hassle out of securing your new mortgage. Our experts will guide you through the process, helping you secure the best deal for your new property.
Commercial Mortgage
If you’re looking to finance a commercial property, we can help you secure a commercial mortgage. Whether you’re purchasing a retail property, office space, or an industrial unit, J&G Financials can refer you to specialist providers who offer tailored solutions for your business needs.
Commercial Mortgages are not regulated by the Financial Conduct Authority.Bridging Loans
Bridging loans are short-term loans that can help you cover the gap between buying a new property and selling your current one. If you’re in need of quick funding for a project, J&G Financials can refer you to reliable specialist providers who can offer competitive rates and terms for your bridging loan needs.
Bridging Loans are not regulated by the Financial Conduct Authority.2nd Charge Mortgage
A 2nd charge Mortgage is a secured loan where the property is already mortgaged but the borrower needs additional funds. If you’re unable to raise additional borrowing from your existing mortgage provider but still require funds we can refer you to specialist providers who can offer flexible 2nd charge loan options.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.Equity Release
Equity release allows homeowners aged 55 or older to access the equity tied up in their property without having to sell it. This option can help you unlock cash to fund your retirement or cover other expenses. J&G Financials can refer you to trusted specialist providers who can offer the best equity release options tailored to your needs and circumstances.
Equity Release – this is a lifetime mortgage. To understand the features and risk, ask for a personalised illustration.Building and contents cover
At J&G Financials we can refer you to a trusted partner if you need a quote for building contents cover.
Conveyancing Needs
Conveyancing is the legal process of transferring property ownership, and it’s an essential part of buying or selling a property. J&G Financials can refer you to experienced conveyancing solicitors who will guide you through the process and ensure that all legal requirements are met efficiently and smoothly.Why Choose J&G Financials for Your Mortgage Needs?
With over 50 years of combined experience as a team in the financial services industry and being part of 2plan Wealth Management, J&G Financials offers a wide range of mortgage options with expert, tailored advice. We ensure that every client receives the best possible solution based on their personal situation.
- Professional and personal advice from a qualified adviser
- A commitment to provide transparent costs and charges
- Highly Rated from our clients for exceptional Service
Testimonials - What our Clients have to say
FAQs About Mortgages
1. What is the difference between a fixed-rate and variable-rate mortgage?
A fixed-rate mortgage means your interest rate stays the same for a set period, typically 2 to 5 years, which offers stability in monthly payments. A variable-rate mortgage means your interest rate can change over time, usually in line with market interest rates, which could lead to fluctuating monthly payments.
2. How much can I borrow for a mortgage?
The amount you can borrow depends on factors such as your income, credit history, and the size of your deposit. As a general rule, lenders may offer you 4 to 5 times your annual income, but each lender will assess your financial situation individually.
3. What are the costs involved in getting a mortgage?
In addition to the deposit, you may need to pay for valuation fees, legal fees, mortgage arrangement fees, and sometimes insurance. It’s important to understand all costs upfront to avoid surprises during the mortgage process.
4. How does a buy-to-let mortgage work?
A buy-to-let mortgage is designed for those who want to buy property to rent it out. Typically, lenders will assess the potential rental income from the property in addition to your personal financial situation to determine how much you can borrow.
5. Can I get a mortgage if I’ve had credit issues?
While past credit issues may make it more challenging to secure a mortgage, it’s still possible. Many lenders offer mortgages for people with bad credit, but the interest rates may be higher. It’s important to speak to a financial advisor who can help you explore your options and find the best solution.
Secure the Best Mortgage Deal with Our Expert Advisors.