JLM Mortgage Services - Independent Mortgage Brokers

💡 Thinking about later-life finance? The Autumn Budget may have left some homeowners wondering about their options for equity release. A lifetime mortgage could help you: • Clear existing loans or your mortgage • Improve your home • Support your family financially This isn’t right for everyone, but our team can help you explore options, understand the risks, and decide what’s suitable for your circumstances. 📲 01462 455 655 | 📩 info@jlmms.co.uk — EQUITY RELEASE REDUCES YOUR ESTATE’S VALUE AND MAY AFFECT ANY MEANS-TESTED BENEFITS YOU’RE ELIGIBLE FOR. A LIFETIME MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR WANT YOUR FAMILY TO INHERIT IT. IF IN DOUBT, SEEK INDEPENDENT ADVICE.

"I highly recommend Sebastian and Nicola at JLM for their first class service. They recently handled my remortgage, which wasn't the most straightforward. I have used JLM for my last three mortgage deals and I will never go elsewhere. They have access to the best rates and deals and are always on hand to guide you through the application process. Nothing is too much trouble - so knowledgeable and willing to offer advice, making sure you get the best deal possible, and it all goes through smoothly. Thank you!" Thank you for this kind review, Celina! We're always happy to help. 📲 01462 455 655 | 📩 info@jlmms.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT

💬 Autumn Budget questions? We can help. The Autumn Budget has landed - and if you’re wondering what it means for your finances, you’re not alone. Our team at JLM Mortgage Services is here to guide you, answer your questions, and help you make sense of your options. We can support you with: 🏡 Mortgages & Interest Rates 💼 Wealth Advice - pensions, retirement planning, investments 🛡️ Protection - life & home insurance 📜 Wills - lasting powers of attorney, probate, will writing 📊 Payroll & Accounting 🏠 Equity Release Guidance No jargon, no pressure - just clear, practical advice tailored to you. 📲 01462 455 655 | 📩 info@jlmms.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT.

Here’s what happens when you book a mortgage review with JLM: ✅ We’ll chat about your current deal and future plans ✅ We compare a vast, wide-range of lenders ✅ We look at the big picture: term, interest, flexibility, protection ✅ No jargon, no pressure - just advice that makes sense Whether you're moving soon or just curious about your options, we're here to help you feel confident and in control. 🔑 Book yours today - it’s completely free. 📲 01462 455 655 📩 info@jlmms.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT

Whether your deal is due to end soon, you’re thinking about moving in 2025, or you simply want to make sure you’re still on the right rate - now’s the perfect time to act. A quick review today could save you both time and money in the months ahead. Let’s make sure your mortgage is one less thing to think about this Christmas! 📲 01462 455 655 | 📩 info@jlmms.co.uk 🌐 jlmmortgages.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT.

Mortgages and protection go hand in hand. When you take out a mortgage, you’re securing your future - and it’s just as important to protect it. Life insurance, home insurance, and income protection can safeguard you and your loved ones if the unexpected happens. At JLM Mortgage Services, we’ll help you: ✅ Understand what level of cover you actually need ✅ Compare a wide range of protection options ✅ Ensure you’re covered properly - without paying more than necessary Protecting your home is more than making your repayments. It’s about planning for every “what if.” 📲 01462 455 655 | 📩 info@jlmms.co.uk 🌐 jlmmortgages.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT.

"We cannot thank Seb and Nicola enough for our recent remortgage. So helpful, the whole process seems a lot less stressful having such good support. We will most definitely be clients for life." Whether it’s your first mortgage, a remortgage, or protection advice, our team is here to provide expert, friendly support - every step of the journey. 📲 01462 455 655 | 📩 info@jlmms.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT

We’re pleased to share that JLM Mortgage Services has been shortlisted for Broker Firm of the Year (11–50 Advisers) at the MoneyAge Mortgage Awards 2026! 🏡 It’s always an honour to be recognised within the industry, and this nomination reflects the hard work, professionalism, and commitment our team brings to every client interaction. Looking forward to the event on February 26th! 🎉 - #MAMortgageAwards

We asked Group Director, Sebastian Murphy, for his top tip for first-time buyers - and here’s what he had to say: 💬 “Lenders are now offering up to 25% more borrowing than a year ago. Combined with lower rates this year, this means more people have the opportunity to buy their first home. Revisit affordability models with your mortgage intermediary to understand your options.” If you’ve been waiting for the right moment to step onto the property ladder, now could be the time to explore what’s possible. The team at JLM Mortgage Services is here to guide you through every step - from understanding affordability to finding the right mortgage for your goals. 📲 01462 455 655 | 📩 info@jlmms.co.uk 🌐 jlmmortgages.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT.

With the #AutumnBudget just around the corner, changes to housing policy, tax, and mortgage relief could be on the horizon. We’ll be keeping a close eye on the announcements and sharing insights on how any updates might affect homeowners and buyers. Keep an eye on our socials for a full breakdown once the Budget is released - and if you’d like tailored advice on what any new measures could mean for you, our team is here to help. 📲 01462 455 655 | 📩 info@jlmms.co.uk 🌐 jlmmortgages.co.uk - YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY LOANS SECURED AGAINST IT. #MortgageNews #AutumnBudget2025