Business Details
22 Years
experience
Your Trusted Mortgage & Protection Broker in the UK
Established in 2004, Julian Mace & Associates operates as an independent mortgage and protection brokerage, prioritising client interests without ties to lenders or third parties. Our services span first-time buyer mortgages, buy-to-let financing, remortgaging, and tailored protection plans including life insurance, critical illness cover, and income protection. We offer a free initial consultation, followed by transparent fee-based advice, with standard mortgage advisory fees set at 299. As an Appointed Representative of PRIMIS Mortgage Network, authorised by the Financial Conduct Authority, we deliver customised financial solutions while maintaining regulatory compliance.Our process involves comprehensive research, clear recommendations, and end-to-end client support, ensuring informed decision-making. Client testimonials highlight our expertise in navigating complex mortgage scenarios and delivering stress-free experiences. We specialise in demystifying mortgage criteria for self-employed individuals and landlords, leveraging exclusive products through our industry network. Our commitment to transparency extends to ongoing communication, keeping clients informed at every stage of their financial journey.
Services
First Time Buyer Mortgages
Buy to Let Financing
Remortgage Solutions
Self-Employed Mortgages
Life Insurance
Critical Illness Cover
Income Protection
Protection Planning
Mortgage Process Guidance
Financial Consultation
Details
- Year established: 2004
Highlights and features
- We operate independently, acting solely in clients' best interests without lender affiliations
- Our mortgage advisors have 20+ years of combined experience in complex lending scenarios
- We offer a free initial consultation to assess your financial requirements
- Access exclusive mortgage products through our industry network unavailable to the public
- FCA-authorised advisors ensure regulatory-compliant, transparent financial guidance
Associations and certifications
- Financial Conduct Authority
What people say
Guidance and expertise
Best person
Difficult first home purchase
Valuable
Level of service
Services
Mortgage Advice
We provide tailored mortgage advice covering first-time buyer schemes, buy-to-let financing, and remortgaging options. Our FCA-authorised advisors analyse lending criteria across providers to secure competitive rates. Clients receive comprehensive guidance through documentation requirements and application processes, ensuring informed decisions aligned with their financial circumstances.
Life Insurance
Our life insurance solutions offer financial security for dependants through lump sum or regular payments upon policyholder death. We assess individual needs to recommend appropriate coverage levels, including mortgage protection and childcare funding. Policies include free trust setup for estate planning purposes.
Critical Illness Cover
Critical illness cover provides financial support for diagnosed conditions like cancer or heart attack. We help clients select coverage amounts to repay debts, cover medical expenses, or maintain living standards during recovery. Our advisors explain policy terms and exclusions to ensure appropriate protection.
Income Protection
Income protection policies replace lost earnings due to illness or injury. We evaluate existing employer benefits and recommend supplemental coverage to maintain lifestyle standards. Policies provide tax-free monthly payments after waiting periods, with options for short-term or long-term coverage.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice covers portfolio management and single property investments. We access exclusive products through lender networks, advising on rental affordability calculations and tax implications. Services include remortgaging strategies to optimise investment returns.
Questions
What mortgage options do you offer for first-time buyers?
We provide tailored first-time buyer mortgages with competitive rates, guiding clients through government schemes, deposit requirements, and affordability assessments.
How do you help self-employed individuals secure mortgages?
We specialise in self-employed mortgages, using our lender network to find products that accept varied income documentation and business structures.
What protection plans are available through your service?
We offer life insurance, critical illness cover, and income protection plans tailored to individual financial circumstances and family needs.
Are your mortgage advisory fees fixed or variable?
Our standard mortgage advice fee is £299, though this may vary based on individual case complexity as discussed during initial consultations.
How do you ensure clients receive the best mortgage rates?
We conduct comprehensive market research and leverage exclusive products through our lender network to secure competitive mortgage rates for clients.
