Business Details
Expert Mortgage Brokers in Ipswich
Established as a trusted mortgage advisory service, we specialise in providing tailored mortgage solutions for diverse client needs. Our team of experts works directly with leading lenders to secure exclusive deals, ensuring clients receive competitive rates and personalised guidance. With a focus on transparency and customer-centric service, we support clients through every stage of their mortgage journey, from initial application to completion.Our proven track record includes assisting individuals with complex financial situations, bad credit histories, and self-employment challenges. Recognised for our exceptional customer service, we prioritise clear communication and ethical practices. Backed by regulatory compliance and industry expertise, we aim to simplify the mortgage process while delivering reliable, long-term financial solutions for homeowners and investors alike.
Services
Bad Credit Mortgages
Self-Employed Mortgages
Buy-to-Let Mortgages
Mortgage Affordability Calculations
Mortgage Protection
Highlights and features
- Specialise in complex mortgage scenarios including bad credit and self-employment
- Direct access to top lenders and exclusive mortgage deals
- Personalised service with transparent, jargon-free advice
- Award-winning customer support with 4.94/5 rating from 152 reviews
- Regulated by the Financial Conduct Authority for compliance and trust
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Very helpful and responsive
Highly recommend
Smooth and efficient process
Transparent and honest
Services
Bad Credit Mortgages
We specialise in securing mortgages for clients with adverse credit histories, including defaults, CCJs, or bankruptcy. Our experts work with specialist lenders to find competitive rates while providing clear guidance on improving creditworthiness. Clients benefit from tailored solutions that address their unique financial situations, ensuring homeownership remains accessible despite past challenges. Our process prioritises transparency and long-term financial stability.
Self-Employed Mortgages
Designed for self-employed individuals, this service simplifies mortgage applications by verifying income through SA302s, accounts, or contracts. We collaborate with lenders who understand non-traditional income structures, offering flexible terms for freelancers, contractors, and business owners. Our advisors ensure accurate documentation submission and provide strategies to maximise borrowing potential while minimising stress during the approval process.
Buy-to-Let Mortgages
Tailored for landlords and property investors, this service identifies competitive buy-to-let mortgage products with favourable terms. We assess portfolio complexity, income streams, and market conditions to secure deals that align with investment goals. Our support includes portfolio management advice, stress-testing affordability, and navigating tax implications to optimise returns on property investments.
Mortgage Affordability Calculations
Our affordability calculators and expert analysis determine realistic borrowing limits based on income, expenses, and credit history. This service helps clients understand their financial capacity without impacting credit scores through soft credit checks. We provide actionable insights to improve eligibility and connect clients with lenders offering rates aligned with their assessed affordability.
Mortgage Protection
We offer comprehensive protection plans to safeguard mortgages against unforeseen events like illness, unemployment, or death. Our advisors evaluate individual needs to recommend life insurance, income protection, and critical illness cover that complement mortgage commitments. This service ensures financial security for dependants and mitigates risks associated with income disruption during repayment periods.
People
Carl Shave
CEO and Co-Founder
Carl Shave co-founded Just Mortgage Brokers after a career in finance. He holds a Certificate in Mortgage Advice and Practice (CEMAP) and contributes industry insights to publications like The Times and FT Adviser. With over two decades of experience, he leads the team in delivering expert mortgage solutions.
Questions
Do you offer mortgages for people with bad credit?
Yes, we specialise in bad credit mortgages, helping clients with defaults, CCJs, or bankruptcy secure competitive rates through specialist lenders.
Can self-employed individuals get mortgages through you?
Absolutely. We verify income via SA302s or accounts and work with lenders who cater to freelancers, contractors, and business owners.
Are there mortgages available for first-time buyers?
Yes, we guide first-time buyers through options like shared ownership and Right to Buy schemes tailored to their financial circumstances.
How do you find exclusive mortgage deals?
We collaborate directly with underwriters and lenders to access offers not available through high-street providers or online platforms.
What protection plans do you offer with mortgages?
We provide life insurance, income protection, and critical illness cover to safeguard against financial risks during mortgage repayment.
Can I get a mortgage as a Skilled Worker visa holder?
Yes, we assist Skilled Worker visa holders in securing mortgages by connecting them with lenders experienced in visa-based applications.
