Business Details
25 Years
experience
Trusted Mortgage & Financial Advisers in Newbury
At J Finance, we have been delivering expert mortgage and protection advice since 2001, combining over two decades of industry experience with a client-centric approach. Our team of qualified advisers, led by Managing Director Rowan Frayling, specialises in simplifying complex financial products, offering tailored solutions for first-time buyers, homeowners, retirees, and high-net-worth individuals. We prioritise transparency, avoiding jargon and pressure sales tactics, while maintaining FCA authorisation to ensure regulatory compliance. With 400+ five-star reviews, our reputation is built on clear communication, personalised service, and a commitment to listening first. Our advisers operate across Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Derbyshire, London, and remotely nationwide, offering flexible meeting options via video, phone, or in-person.We provide independent guidance on mortgages, equity release, life insurance, and protection products, ensuring clients make informed decisions aligned with their financial goals. Our expertise extends to niche areas such as sports professionals' mortgages, NHS mortgages, and bridging finance, supported by partnerships with specialist lenders. We maintain Equity Release Council membership, adhering to strict consumer protection standards. Our process includes thorough affordability assessments, market comparisons, and ongoing support from application to completion. By focusing on long-term client relationships rather than one-time transactions, we aim to provide financial clarity and peace of mind for every stage of life.
Services
Mortgage Advice
Equity Release
Life Insurance
Protection Services
Insurance Solutions
Bridging Finance
Remortgaging
Buy to Let
Private Medical Insurance
Income Protection
Details
- Year established: 2001
Highlights and features
- We have 20+ years of experience in mortgage and financial advice.
- Our team provides personalised service with no pushy sales tactics.
- 400+ five-star reviews validate our client satisfaction track record.
- FCA-authorised and Equity Release Council member for regulatory assurance.
- UK-wide coverage with local expertise in Berkshire and surrounding counties.
Associations and certifications
- Financial Conduct Authority
- Equity Release Council
What people say
Personal service
Clear communication
Peace of mind
Expert advice
400+ five-star reviews
Services
Mortgage Advice
We provide tailored mortgage advice for first-time buyers, homeowners, and investors. Our FCA-regulated advisers assess your financial situation to recommend competitive deals from high-street and specialist lenders. Services include affordability checks, government scheme guidance, and application support.
Equity Release
Specialist equity release solutions for homeowners aged 55+. We offer lifetime mortgages with flexible repayment options and transparent advice on inheritance impact. As Equity Release Council members, we ensure consumer protection standards are met.
Life Insurance
Independent life insurance advice covering term, whole-of-life, and family income benefit policies. We compare providers to find coverage matching your family's financial needs, including mortgage protection and childcare costs.
Protection Services
Comprehensive protection solutions including critical illness cover, income protection, and private medical insurance. We tailor policies to safeguard against unforeseen circumstances while considering tax efficiency and long-term care needs.
Insurance Solutions
We offer business protection products like key person insurance and shareholder protection. Our advice ensures companies maintain financial stability through unexpected events, with policies aligned to corporate structures and succession planning.
People
Rowan Frayling
Managing Director & Principal Adviser
Rowan Frayling leads J Finance with 20+ years in financial services. He specialises in complex mortgage solutions and retirement planning, ensuring regulatory compliance while maintaining a client-first approach.
Jonathan Bright
Mortgage & Equity Release Adviser
Jonathan Bright provides expert advice on residential mortgages and equity release. With specialist knowledge in bridging finance and buy-to-let, he helps clients achieve property goals across the UK.
Teresa Landau
Mortgage & Protection Adviser
Teresa Landau offers tailored mortgage and protection solutions. She focuses on first-time buyers and family income benefit policies, combining technical expertise with clear communication for client understanding.
Janusz Wesolowski
Mortgage & Protection Adviser
Janusz Wesolowski advises on mortgages and protection products, supporting Polish-speaking clients. His expertise includes self-employed income assessments and critical illness cover strategies.
Claudine Bowen-Davies
Protection Adviser
Claudine Bowen-Davies specialises in life insurance and private medical insurance. She ensures clients' families and businesses remain financially protected through bespoke risk management solutions.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, equity release, and specialist lending for sports professionals, NHS staff, and self-employed individuals.
How can equity release help my retirement?
Equity release allows homeowners aged 55+ to access tax-free cash from their property while retaining residency, supporting home improvements, retirement income, or inheritance planning.
Do you offer protection insurance?
Yes, we provide life insurance, critical illness cover, income protection, and private medical insurance tailored to individual and business needs.
How do I arrange a consultation?
Contact us via phone or our website form to schedule a no-obligation appointment. We offer video, telephone, or face-to-face meetings in Newbury or your location.
Are you regulated by the FCA?
Yes, J Finance is authorised and regulated by the Financial Conduct Authority (FCA Register reference 442742) for mortgage and insurance advice.
What areas do you cover?
Our advisers operate in Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Derbyshire, London, and remotely nationwide, serving clients UK-wide.
