NJL can access the whole of the market to obtain the mortgage that is right for your individual circumstances. The list below is not exhaustive so contact us NOW!

These mortgages are for those people that ‘fit the mould’ and have proveable income and straight forward requirements.            

This type of mortgage is ideal for clients whose income is derived from various sources, or cannot be fully substantiated.

These mortgages are for people with existing or previous credit problems including County Court Judgements, mortgage arrears or defaults.


These mortgages are appropriate if you intend to let your property for a number of years, or for some Landlords and Developers who wish to refurbish property and then sell on or let out.


A current or savings account is used to offset the mortgage interest. E.G. If you have a mortgage of £100000 and offset savings of say £10000, then you will only pay interest on £90000 of the mortgage.

This is where you move out of your current home into a new one, but decide to keep your existing home and rent it out.

Mortgages are available for clients who wish to buy another home for possible weekend use, or for a child at University, or for a dependant relative.

It is possible to be declined for a mortgage purely because there is no credit history such as loans and credit cards! NJL have the experience to be able to recognise which lenders to approach to improve acceptance probability.

Remortgages are available for those who wish to consolidate their credit commitments under one payment, usually at a lower interest rate than they are currently paying.

*** Buy to Let Mortgages are not regulated by the Financial Services Authority

There is sometimes a charge for our mortgage advice, and this is dependant on your personal circumstances, this will be agreed prior to any application and will not exceed £500.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage

The overall cost for comparison is 6.2% APR. The actual rate will depend upon your circumstances. Ask for a personalised illustration.