Independent Mortgage Advice in Newbury, Berkshire & All Across the UK
J Finance Ltd is a whole-of-market mortgage broker based in Newbury, Berkshire, with advisers based in Berkshire, Oxfordshire, Hertfordshire, Bedfordshire, Derbyshire, London, although we have clients nationwide. Whether you're taking your first step onto the property ladder, expanding a buy-to-let portfolio, remortgaging to a better rate, or navigating complex income circumstances, our experienced advisers search thousands of mortgages to find the right fit for your situation, not just the most convenient one. We've been doing this since 2001, and with over 550 five-star Google reviews, our clients tell us we make the complicated feel simple.
First Time Buyers & Home Movers
Buying your first home is one of the biggest financial decisions you'll make. Our advisers guide you through every stage, from understanding how much you can borrow and what deposit you'll need, to explaining stamp duty, conveyancing costs, and what to expect on completion day.
For those moving up the property ladder, you can let us handle the complexity of buying and selling simultaneously, including porting your existing mortgage or switching to a better deal. We search the whole market to find the mortgage that genuinely suits your income, your plans, and your timeline.
Read more on our dedicated pages for First Time Buyers & Home Movers.
Buy To Let
A buy-to-let mortgage is required for any property you purchase or own with the intention of renting it out. These products differ significantly from residential mortgages, as lenders assess rental income coverage, portfolio size, and whether the property is held in your personal name or a limited company (known as a Special Purpose Vehicle, or SPV).
We have decades of experience working with landlords, whether you're buying your first investment property or you're an experienced portfolio landlord with multiple properties. We can advise you on standard buy-to-let, Houses of Multiple Occupation (HMOs), holiday let mortgages, and limited company structures.
Read more on our dedicated page for Buy to Let.
Remortgaging
If your mortgage is going to revert to your lender's standard variable rate (SVR) when the initial term ends, speak to us. SVRs are almost always higher than available remortgage deals, so reviewing your options at least three to six months before your deal expires is strongly recommended.
J Finance will compare your existing lender's retention offers against the wider market to ensure you're on the most competitive rate available. Remortgaging can also be used to release equity for home improvements or debt consolidation.
Read more on our dedicated page for remortgaging.
Why Choose J Finance?
As a whole-of-market broker, we're not tied to any single lender or panel, giving you access to products from high-street banks, building societies, and specialist lenders that aren't available directly to the public.
Our advisers are qualified, FCA-regulated, and committed to finding you the right mortgage, not just the easiest one to arrange. Appointments by phone, video, or face-to-face, with out-of-hours slots on request.
Not every mortgage situation fits neatly into a standard application. J Finance has extensive experience arranging finance for clients with complex or unusual circumstances, including:
If your situation doesn't fit standard lender criteria, that's where we add the most value. Read more on our dedicated page for specialist lending.
Why Choose J Finance for Your Mortgage?
Whole-of-Market
Access to high-street banks, building societies, and specialist lenders, not just what's on the high street.
FCA-Regulated
Qualified advisers committed to the right mortgage for you, not the easiest one to arrange.
Flexible Appointments
Phone, video, or face-to-face at our Newbury office, with out-of-hours slots on request.
Trusted Since 2001
Over two decades of experience, backed by 550+ five-star Google reviews.
Ready to talk mortgages?
Speak to one of our whole-of-market advisers, at a time that suits you.