A Wide Range Of

Mortgage Options

Here at JFS, we don’t believe there’s a “one size fits all” approach to mortgages. We take the time to understand your needs and your circumstances, tailoring your mortgage to you. We want to make sure you walk away happy, every single time.

Purchase/First Time Buyers

Buying your first home should be fun – not frightening. Yet the steps you need to take to acquire your new home can be overwhelming. Fixed rate, variable rate, interest only, loan-to-value. The jargon can be so complex, you don’t know where to begin.

At Jefferson Financial Services, our advisors explain the process in easy to understand terms and are there to assist you at every stage of your homebuying journey.

Getting the wrong deal on your first mortgage could spell disaster for your future finances. This is why it’s crucial to get advice from an expert mortgage broker as soon as you start the search for your first home.

From assessing your borrowing power to securing your first mortgage, JFS provide you with a truly comprehensive service to ensure you avoid the pitfalls along the way.

Estimate your Mortgage Repayments

Our Mortgage Repayment Calculator can be used to give you a rough idea of how much your repayments would be monthly. For personalised advice and exact figures, or to find out exactly how much you can borrow, Please contact us.

This information is a guide only and should not be relied on as a recommendation or advice, that any particular mortgage is suitable for you.
All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender.
You should make an appointment to receive mortgage advice which will based on your needs and circumstances


As an experienced home owner, you understand the importance of getting the best deal on your mortgage. Small differences in rates can have a big impact on your repayments. Remortgaging is the process of switching your mortgage to another lender with a better rate, or in some cases, staying with the same lender whilst moving your mortgage to a better deal.

There are many reasons why you may wish to remortgage, but the most common reasons include:

  • Making home improvements.
  • Switching your current mortgage to a mortgage with lower interest rates.
  • Having a large expense coming up, like a wedding.

Remortgaging can be a fairly straightforward process, but it’s crucial to get impartial advice you can trust when looking for a remortgage deal.

Here at JFS, our advisors have access to thousands of mortgage products from hundreds of lenders, and unlike online comparison sites, we’ll tailor your remortgage to fit your personal circumstances.

We’ll liaise with your lender, solicitors and surveyors, leaving you time to settle back and work out what you’re going to do with all the money you’re saving.


Check Your Credit Score

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Product Transfer

Homeowners often feel that they are tied into their mortgage arrangements after their introductory offer has ended. But did you know that you can shop around for a better deal before being moved to a higher rate?

When your current mortgage deal comes to an end, you’ll be faced with two options:

  • The first is to look for a new mortgage altogether with a different lender – what’s known as a “Remortgage”.
  • The second is to stay with your current lender and negotiate a new deal with them. This is called a “Product Transfer”.

While it is not a new concept, a product transfer is a lesser-known option which may be a good alternative to remortgaging, depending on your circumstances.

At Jefferson Financial Services, our expert advisors may have access to lower rates with your existing lender. Meaning, if we arrange the product transfer for you, it could save you money. If your introductory mortgage rate is coming to an end or has ended, talk to one of our advisors at JFS.

Personalised Advice

Every home buyer is different. We’ll tailor your mortgage to fit your requirements.


Experienced Guidance

With over 15 years experience, we’ve seen it all. No matter what your situation, we can help.

Dedicated Counsel

Need to meet in the evenings or at the weekend? We’re there at a time that suits you.

Personalised Advice

Every home buyer is different. We’ll tailor your mortgage to fit your requirements.


Experienced guidance

With over 15 years experience, we’ve seen it all. No matter what your situation, we can help.

Dedicated Counsel

Need to meet in the evenings or at the weekend? We’re there at a time that suits you.

Buy to Let

Stepping onto the buy to let ladder can be a daunting prospect. It’s not like buying your own home, which can be complicated enough. If you are looking to buy a property to rent out to tenants then you’ll need a buy to let mortgage.

A buy to let (BTL) mortgage is a type of mortgage specifically for properties that are owned or purchased with the intention of renting them out. On the whole, it works like a regular mortgage but the eligibility criteria and requirements might be different.

You can get a buy to let mortgage under the following circumstances:

  • You are looking to invest in houses or flats.
  • You can afford to take and understand the risks of investing in property.
  • You already own your own home, with or without an outstanding mortgage.
  • You have a good credit record.
  • You’re under a certain age, typically 45 years old.

If these circumstances apply to you, Jefferson Financial Services can assist you in finding the right buy to let mortgage deal for you.

(Criteria differs depending on the lender, so get in touch to see if you are eligible.)

The Financial Conduct Authority does not regulate most Buy To Let mortgages.

Ready to discuss your mortgage options?

Jefferson Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network with access to many different mortgage and protection providers so we can help and advise you of the most suitable solution for your needs and circumstances. Jefferson Financial Services Ltd may charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed at the earliest opportunity. We reserve the right to charge a fee of up to £495, payable on mortgage offer. The amount we will charge is dependent on the amount of research and administration that is required.