Business Details
25 Years
experience
Your Trusted Mortgage & Protection Advisors in Surrey
Established in 2001, we are a Surrey-based mortgage and protection advisory firm committed to delivering exceptional client service. Our small, personable team prioritises tailored solutions, leveraging over two decades of industry expertise to simplify the mortgage and insurance processes. As an FCA-regulated firm, we combine market-wide access with a family-oriented approach, ensuring transparent communication and stress-free transactions.Our client portal centralises documentation, enhancing efficiency while our advisers, recognised in the VouchedFor Top Rated Guide 2024, provide dedicated support. With specialists in first-time buyer schemes, equity release, and commercial protection, we serve local and national clients, focusing on long-term relationships built on trust and professionalism.
Services
Mortgage Advice
First-Time Buyers
Remortgaging
Buy-to-Let
Equity Release
Life Insurance
Home Insurance
Business Insurance
Income Protection
Critical Illness Cover
Details
- Year established: 2001
Highlights and features
- We have over 20 years of experience in mortgage and protection advisory services.
- Our team is FCA regulated, ensuring compliance and client protection.
- We provide a user-friendly client portal for efficient communication and updates.
- Our advisers offer personalised service tailored to individual client needs.
- Recognised as a Top Rated Firm in the VouchedFor Top Rated Guide 2024.
Associations and certifications
- Financial Conduct Authority
What people say
Exceptional service
Knowledgeable team
Stress-free process
Tailored solutions
Excellent client support
Services
Mortgage Advice
We provide comprehensive mortgage advisory services tailored to individual circumstances. Our FCA-regulated advisers access the entire market, including exclusive deals, to secure optimal rates for first-time buyers, remortgagers, and buy-to-let investors. With transparent fee structures and a client portal for document management, we ensure a streamlined, stress-free process from application to completion.
Equity Release
Our equity release specialists help homeowners aged 55+ unlock tax-free cash from their property. Offering lifetime mortgages and home reversion plans, we provide impartial advice on suitability, fees, and inheritance implications. We ensure clients understand all options through detailed illustrations and ongoing support throughout the application process.
Life Insurance
We offer tailored life insurance policies to protect families and businesses against financial loss. Our advisers assess individual needs to recommend term life, whole-of-life, or family income benefit policies. We compare providers to find competitive premiums with flexible coverage options, including critical illness riders and index-linked benefits to maintain protection value over time.
Home Insurance
Our home insurance solutions provide comprehensive protection for residential properties. We offer buildings and contents coverage with optional add-ons like legal expenses, home emergency, and accidental damage. We work with specialist insurers to accommodate non-standard properties, ensuring bespoke policies that match specific risk profiles and occupancy requirements.
Business Insurance
We provide tailored business insurance packages for SMEs and corporations. Our offerings include property, liability, professional indemnity, and business interruption coverage. We conduct risk assessments to identify protection gaps and negotiate terms with insurers to ensure adequate coverage at competitive rates, supporting business continuity during unforeseen events.
People
Michelle Ford
Non-Selling Partner
With 35 years' experience in financial services, Michelle holds advanced qualifications in mortgage advice and equity release. She supports business operations and strategic growth, leveraging expertise from roles in estate agency mortgage broking and wealth management to ensure high service standards.
Kate Keeling
Practice Manager & Mortgage Adviser
Kate manages daily operations while providing mortgage and protection advice. Qualified in mortgage advice, she focuses on client care and process efficiency, ensuring smooth transactions. She balances work with running, gardening, and literary pursuits.
Daniel Ford
Mortgage Adviser
Daniel, a VouchedFor top-rated adviser, specialises in mortgages and equity release. With qualifications in mortgage advice and equity release, he delivers tailored solutions for diverse clients. An Arsenal season ticket holder, he enjoys football and live music.
Ed Penegar
Trainee Adviser
Ed, a recent economics graduate, supports the advice team while training to become a qualified financial adviser. He focuses on operational efficiency and client support. Outside work, he plays football and travels.
Adam Lewis
Case Owner
Adam, a musical theatre graduate, assists with case management and client communication. He ensures smooth administrative processes while supporting clients through their financial journeys. He teaches drama and follows F1 racing.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, equity release, and specialist mortgages tailored to individual circumstances.
Are you regulated by the FCA?
Yes, JML Financial Associates is authorised and regulated by the Financial Conduct Authority under reference 195987.
Do you offer protection insurance?
Yes, we provide life insurance, home insurance, business insurance, income protection, and critical illness cover tailored to client needs.
What areas do you serve?
We primarily serve Surrey clients and offer nationwide mortgage and protection advisory services.
How do you handle client complaints?
We aim to resolve complaints promptly. If unresolved, you may refer them to the Financial Ombudsman Service at 0800 0234 567.
