Business Details
16 Years
experience
Your Trusted Mortgage and Insurance Partner in Halstead
Established in 2010, J M C Mortgage Services operates as a family-run business committed to providing tailored financial solutions. With over 25 years of industry expertise, our team specialises in mortgages, protection insurance, and associated services, prioritising client care and transparency. We work with a comprehensive lender panel to secure exclusive deals, offering first-time buyers, homeowners, and investors access to competitive mortgage products.Our dedicated completions manager ensures seamless communication between solicitors, lenders, and clients throughout the process. Regulated by the Financial Conduct Authority, we maintain rigorous professional standards while delivering free initial reviews and personalised advice to meet individual financial needs.
Services
Mortgages
Protection Insurance
Conveyancing
Wills
Secured Loans
Debt Management
Commercial Insurance
Details
- Year established: 2010
Highlights and features
- We offer 13+ years of local mortgage advisory experience with nationwide lender access
- Our FCA regulation ensures adherence to strict professional standards
- Dedicated completions manager streamlines the mortgage process
- Free initial mortgage and protection review available
- Exclusive mortgage deals unavailable on the high street
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Brokerage
We provide comprehensive mortgage brokerage services, connecting clients with exclusive deals from our extensive lender panel. Our FCA-regulated advisors assess individual circumstances to recommend suitable residential and buy-to-let mortgages. With access to products unavailable on the high street, we guide clients through every stage from application to completion.
Protection Insurance
Our protection insurance services include life cover, critical illness cover, and income protection policies. These products safeguard clients against financial hardship from unexpected events, ensuring mortgage payments and family needs remain covered. We work with specialist providers to offer tailored solutions matching individual risk profiles.
Conveyancing
We partner with a panel of conveyancers to manage the legal aspects of property transactions. Our network handles residential completions, addressing potential issues during the moving process. While not FCA-regulated, our partners provide essential support for property purchases and sales.
Wills Services
Through specialist providers, we offer will-writing services to ensure clients' assets and dependents are protected. Our partners help establish legally binding documents that dictate asset distribution and childcare arrangements, providing peace of mind for future uncertainties.
Secured Loans
We facilitate secured loan arrangements using property equity as collateral. These loans enable clients to access larger funds for significant purchases or debt consolidation, with repayment terms structured around individual financial circumstances and property values.
People
Julia Kent
Director and Mortgage Consultant
With over 25 years' experience in financial services, Julia leads our mortgage advisory team. Her expertise spans residential and commercial mortgages, ensuring clients receive informed guidance through complex market conditions while maintaining our family business ethos.
Merril Kent
Completions Manager
As dedicated completions manager, Merril coordinates between solicitors, lenders, and clients to ensure smooth transaction processes. With extensive industry knowledge, they specialise in resolving potential obstacles during property transfers while maintaining clear client communication.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government-backed schemes and exclusive deals unavailable on the high street.
How does mortgage protection insurance work?
Our protection policies cover mortgage payments during illness, unemployment, or critical illness, ensuring your home remains secure during financial hardship.
What fees apply to mortgage services?
Our broker fee is £695.95 on application and £600 upon completion, with no hidden charges for standard mortgage advisory services.
Can you help with commercial property financing?
We refer commercial mortgage inquiries to specialist providers while maintaining oversight to ensure suitable business property financing solutions.
What areas do you serve?
While based in Halstead, Essex, we provide mortgage and insurance services nationwide through our FCA-regulated network.
